davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (VA)

On Saturday XX/XX/2022 I sold my boat, motor and trailer for the amount of {$4500.00} to XXXX who is a friend of mine and is local. XXXX asked me if I would accept Venmo. I said OK because I knew others who had used it. He tried to transfer the entire {$4500.00}, however Venmo made him break it down into 3 transfers. He transferred {$500.00}, then {$1000.00}, and finally {$3000.00}. I could see the entire {$4500.00} sitting in my Venmo account. I set up my bank account information as requested ( by Venmo ) in Venmo. Was told by Venmo, they would deposit 2 small amounts into my bank account, which they did, I verified the amounts and they allowed me to transfer the {$500.00} and then the {$1000.00}. I can see in my bank account that they took back the small deposits that same day ( as expected and proves they did indeed verify my bank ). Venmo would not let me transfer the {$3000.00} and FROZE my account!! Venmo screen now shows that my " bank account is not verified '' and they are investigating something, which they will not tell me what!! I called twice and was given a very vague reason for the frozen account - " it will take 6 to 7 days to investigate ''! Why should I wait an extra week to get MY money! They are lying as they DID verify my bank account already, hence the 2 transfers of {$500.00} and {$1.00}, XXXX. I am almost XXXX XXXX XXXX and feel that I am being taken advantage of. How dare them keep MY money!!!! I spoke to my bank and they are not holding anything up so what is the problem? My bank also confirmed that Venmo did indeed verify my account with them. Is this how Venmo makes money??? I need my money made available to me to transfer into my bank account! I have a XXXXXXXX XXXX dog who is scheduled for XXXX XXXXXXXX and this is the money for that XXXX!!! I am so sick over this!!! Please help!!! Now today, I can't even log into Venmo. Changed my password as requested and am locked out. Is this some kind of sick joke???
Consumer complaint received 2018-08-30
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. (NM)

All 3 major credit bureaus are reporting serious errors on my credit file and refuse to fix it and refuse to provide proof that it is valid. 
YOU are reporting an XXXX XXXX XXXX account with current lates on it. I have never been late, it comes out of my check and I have had the same job forever! 
-They are reporting wrong and you are letting them without proper verification! I have disputed this with you on XX/XX/18 and you 'claim ' it was verified and I demand to know how you verified it. XXXX XXXX is NOT valid verification. 

I have been trying to reach them for months and called them 32 times! I have sent emails and left messages. They will not ever get back to me. 
They are reporting wrong and you are letting them without proper verification! I have disputed this with you on XX/XX/18 and you 'claim ' it was verified and I demand to know how you verified it. You are in violation of the FCRA and I demand you fix this immediately.
Consumer complaint received 2022-07-09
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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
Consumer complaint received 2018-08-31
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Flagship Financial Group (FL)

this involves a timeshare. After speaking to a commercial lawyer I was advised that their tactics to have me buy the timeshare in 2014 were illegal and in violation of consumer laws. I further asked them for help to sell or transfer the timeshare and they refused. I in turn refused to pay the mortgage and they said it was breach of contract and I welcomed the legal action because : they called my sister in law and my sister and called saying I or my wife needed to call them because we we defaulting on our mortgage. These family members presumed it was our house. It is not and they have no right to contact them and disclose the nature of the debt, just how to reach us.
Consumer complaint received 2018-08-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NC)

Enhanced recovery company {$970.00} Opened XX/XX/XXXX Last reported XX/XX/XXXX Enhaced recovery company XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX I have no idea what this debit is.
Consumer complaint received 2021-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America - XXXX, Fl On XX/XX/2021 I deposited {$8500.00} into the ATM machine ( see attached. ) I counted it out in front of the ATM camera. I had a total of XXXX  {$100.00} bills. I was paid cash from a family in which I directed a lengthy intervention on several struggling family members. I practice XXXX and this is something that I do on a regular basis. The fact that I was paid in cash is quite common if you would take the time to look through my account, you can see multiple cash deposits. 

In the middle of the deposit, the machine stopped working and I was given a message to report the issue to a one 800 number, which I did. I was given a temporary credit from Bank of America for the {$8500.00} pending the results of an investigation. On XX/XX/XXXX, the investigation outcome found that the ATM machine was short {$1900.00} and the initial credit was reversed causing the money to be deducted from my personal bank account. Since I never deposited anything except {$100.00} bills, it is more than obvious that I did not receive the investigation I deserved. 

I have asked for all the documents that they used to make this decision on multiple occasions and I have been told there were no official documents to share that it was a decision made by an " internal fraud department. '' BOA has not been willing to release any information about the investigation and have admitted to not reviewing any footage from the ATM machine. BOA has stated I have no recourse and are unable to reopen the investigation, so basically I just have to accept the decision. I have since filed a police report. I worked with a very good detective for a couple months and she was unable to get anywhere with the case. This was her final response, " Unfortunately this case has been reviewed by myself and my supervisor and its been determined that no crime has been committed by an actual person. We can't press charges against an entire company. I know you spoke before about suing Bank of America and I definitely think that is your best option and a very good one. This entire situation is extremely unfortunate especially with you being a long term customer of theirs. I wish there was more I could do for you. I am so sorry this happened. '' It is absolutely unacceptable that the ATM machines that they use belong to a third-party. I have always assumed the ATM machines belong to Bank of America. What's more disappointing, is that they have been unwilling to advocate for me hey single mom and small business owner, to ensure that my money is protected. 

You are my last hope. At this point Bank of America has completely close the issue and refuses to discuss it with me. Thank you for creating this platform that allows me to be heard.
Consumer complaint received 2021-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Synovus Bank (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me. 

I disputed this in XXXX and it was removed by the credit bureaus and it is now reporting again. Please remove.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NJ)

I'm unable to open an account with Experian due to having an irregular XXXX name which doesn't allow their system to verify my identity. 

Their call center has been less than helpful after three attempts of contact and they won't actively pursue a solution. 

This has been one of the most humiliating and XXXX experience I've had since moving to the US.
Consumer complaint received 2018-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I am having issues with my mail being send to out dated addresses. I finally pulled my credit report and found information that doesn't even belong to me on my report. please remove the following addresses they are not mine : 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 My current and only address should be XXXX XXXX XXXX, XXXX, XXXX XXXX.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Under the provisions outlined in 15 USC 1666b, late payments linked to accounts identified as XXXX and XXXX must be removed from my credit report. Additionally, in accordance with 15 USC 1681c-2, all inquiries are mandated to be removed from my credit report.
Consumer complaint received 2018-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Good morning : 1 ) I sent the same letter XX/XX/XXXX, to TransUnion, XXXX and XXXX asking for correction to my credit report that was NEVER accurate to start with. I asked for my THIRTEEN years employment with XXXX XXXX XXXX in XXXX XXXX  to be on my credit report. As per copy enclosed I was employed by the XXXX  from XX/XX/XXXX to XX/XX/XXXX WHEN I RETIRED. 
I also asked for address correction, this was NEVER done either. 
2 ) I received a response from XXXX, telling me : " We are unable to locate a credit file in our database with the identification information you provided ''. So, whose credit score am getting??? 
I received a credit report from TransUnion -which I did NOT asked for- totally erroneous. TransUnion is listing an XXXX XXXX Credit card that does NOT belong to me. They also list a XXXX, XXXX address in XXXX, when I moved out of XXXX in XXXX and NEVER went back. Last but not least, they have me currently employed by the XXXX, when I retired 8 years ago??? 
As for XXXX, they did NOT respond at all. 
I only asked for my free credit report once, in XXXX, and gave up because all three bureaus provided completely erroneous reports. 
So, whose credit score am I getting each year with totally false credit reports? I haven't taken a loan in 30 years, my XXXX   XXXX XXXX XXXX, XXXX and XXXX XXXX have ALWAYS been paid before due : I should have a stellar credit score. 
I'm asking for all 3 bureaus. to please clean up AND complete all 3 credit reports so I may finally receive this year a correct credit report and credit score.
Consumer complaint received 2018-08-31
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Financial Services, Inc. (TN)

I have disputed these medical bills in the amount of XXXX and XXXX with Medical Finanicial Services twice in written letters. I have currently received a letter from XXXX XXXX XXXX trying to collect a debt. I have sent my documentation to XXXX  which has forwarded this documentation to Medical Financials service. XXXX and Medical Financials have ignored my documentation and violated my right s.
Consumer complaint received 2018-08-31
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. (OH)

Sent several letters out to XXXX, Equifax and XXXX about not having the accounts verified through electronic verification and provide me with documentation showing the validity of these items. Two letters have already gone to XXXX, Equifax and XXXX asking for personal verification and not electronic, and all 3 credit bureaus continue to verify it as correct through electronic verification. They did not contact the creditors personally, but did it though electronic verification after I requested that they do not use that form of verification and to verify my signature. They have failed to do this request. I do not have the correct account numbers since all they have is X and not the correct numbers. The bankruptcy is incorrect and they will only verify thought XXXX and not personally from the courts.
Consumer complaint received 2018-05-09
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX This account i tried numerous time to settle debt and the company never fulfills their end. Many times they told me to make a payment and my total debt shown will be decreased and nothing so far. Im not sure if this is something that company says to collect money but Im tired of calling and trying to settle with broken promises on their end.
Consumer complaint received 2018-08-31
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. (LA)

I have checked my report thru the monitoring service and see several items that are NOT MINE and from reading more here on the Consumer Financial Protection Bureau then please delete this misleading information off of my report being from reading here this is damaging my scores and I want it removed from my credit report being I know nothing about these items
Consumer complaint received 2018-08-31
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. (WY)

Some years ago, a hospital double billed me for medical services. I paid what I owed and told the hospital that I was doing so, and did not hear back. I thought that was the end of it. But apparently, it was not. The hospital submitted the entire bill to bill collectors. The bill collectors, in turn, broke the one bill up into multiple charges and submitted EACH ONE to credit reporting agencies as a separate delinquent " account, '' so that my credit report shows not one but FOUR collections. These have dropped my FICO score by more than 100 points. The bill collectors appear to be trying to use this technique to force me to pay them, as I have not been able to get credit I need due to the redundant, false, derogatory information. This is not legal, and - as I have mentioned - I actually do not owe anything at all. I have reported this fraud to the Trans Union credit bureau but the false collections are still shown on my report.
Consumer complaint received 2018-08-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: M&T BANK CORPORATION (MD)

I have encountered daily overdraft fees ( {$38.00} each time ) from M & T Bank. Additionally, they tack on another {$38.00} for every five days that the account is in the red. This makes it impossible to get the account into the black. On XX/XX/2018, I requested that the bank waive the fees for the prior two-week period in an effort to resolve the issue. I explained that my dog had recently had a {$700.00} surgery which left me with little in the way of money for that pay period. When I was paid on XX/XX/XXXX, the account remained in the negative due to their exorbitant overdraft fees. I received a response from the bank indicating that they would not waive any of the fees as I had requested they waive some in the past. They made no effort to provide any semblance of customer service and their fees are costing me hundreds of dollars that I don't have.
Consumer complaint received 2021-06-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (ID)

My husband bought a {$10000.00} CD from Utah XXXX XXXX XXXX in XXXX. It has been in our safe deposit box. He died XX/XX/XXXX. He told me to get everything out of box when he passed. XXXX XXXX merged with Chase Manhattan. I called them to cash it. They said they couldn't find it in their files. They told me to check with unclaimed property. Nothing there. I want this found and {$10000.00} plus the interest it has been accruing.
Consumer complaint received 2018-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

I have checked my report thru the monitoring service and see several items that are NOT MINE and from reading more here on the Consumer Financial Protection Bureau then please delete this misleading information off of my report being from reading here this is damaging my scores and I want it removed from my credit report being I know nothing about these items
Consumer complaint received 2018-08-31
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. (IN)

On XX/XX/XXXX, I called Equifax to find out about the resolution of a dispute that I could not view online, a derogatory mark of bankruptcy that is on my credit report. I explained to them that XXXX removed the negative remark from my credit report and that I wanted them to do the same. Equifax removed the derogatory remark from my credit report and then put it back on my credit report because it shows they did. So how is it that they cant remove it, which is what I was told. They explained that the mark would stay on my credit report for the full 10 years. It has been 9 years. I explained to them that the law says 7-10 years it will stay on your credit report, not just 10, and if one credit bureau can remove the mark then the other credit bureaus have the same ability. I have gone on their website to submit additional disputes and now there website is telling me that I cant file another dispute because my information that I'm entering in about me is inaccurate, which is COMPLETELY incorrect. I have tried to go through XXXX XXXX to submit a dispute in regards to this derogatory mark still being on my credit report and all there website does is redirect me to Equifax. I have called and spoken to several managers at Equifax to get this issue resolved and have had no avail. This mark has been on my credit report for 9 years. It's time for it to be removed. I have re-established my credit with credit cards, 2 mortgages, personal loans and several other lines of credit and have had them all in good standing. I have paid my debt for not being a good consumer initially and now that I'm responsible this should not be something that continuously holds me back from lower or better rates and or less interest paid on monies borrowed.
Consumer complaint received 2018-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: LEXISNEXIS (MD)

I contacted Bankruptcy Court of public records on my credit file they sent letter ( see attached ) that they do not verify. XXXX  state that it was validated but neither sent me requested information. Or remove items from my credit file.
Consumer complaint received 2023-03-23
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: Automotive Leasing Specialists, L.L.C. (LA)

XXXX XXXX  which is located on XXXX XXXX XXXX has never once reached out to me. I went into the office on XX/XX/2023 still recovering from XXXX. I was spoken to in a very ugly way and also the lady asked what was I paying on my debt today. I explained to her that she has no right to speak to me in that tone or manner because Im clearly trying to understand why shes bring irate when I have no debt with this place. This particular blonde hair lady went on to say she doesnt work for me but the ( meadows ) which is a slum area owned by former slumlords. Most people like myself who know they arent lying wouldnt waste their time going into the office to clear their name. This blonde haired lady said Im suing you and I told her to go right ahead. Im on social security and I think its sad that they lie on the poor. I would like to sue this company if they dont take this off my report. I understand XXXX XXXX makes money by agencies like these that threaten you but I dont take kindly to threats.
Consumer complaint received 2019-05-03
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Federal Pacific Credit Company, LLC (OK)

Letter dated XX/XX/2019 trying to collect a debt thatis 10 to 11 years old. XXXX is a third party collection company representing Federal Pacific Credit Co. that is trying to collect a debt from original creditor XXXX. This debt has been sold, transferred or given to several different collection companies. I'm sick and tired of these aggresive people.