davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (GA)

A request was made to pay my daughter 's softball coach for equipment and uniforms using Venmo. I was not completely aware of how Venmo worked and looked up the Coach 's name on Venmo. I found a XXXX on Venmo assuming this was the coach name, I transferred {$410.00} to this account. When I saw the coach on the XXXX of XXXX she advised me that she had not received the payment on Venmo. I told her that I sent it on Venmo to the address of XXXX, the Coach stated that was not her account her Venmo account was XXXX XXXX @ XXXX. I submitted a form to Venmo, no response, so I called their customer service department, I was told that there was nothing they could do. Their suggestion was to continue to reach out to XXXX XXXX and request the funds be transferred back. I asked Venmo for a telephone number and email address for XXXX and they stated it was company policy to give out the information. I asked them why then would they allow users who have so closely related names, exact names as a matter of fact to be able to use Venmo in that fashion. The lady at Venmo said she didn't make the policies. She advised was to continue to reach out to the XXXX and see if she would send back the money. I have attempted numerous times to contact XXXX about returning the funds as they did not belong to her. And I have reached out to Venmo to do the same, and they have not.
Consumer complaint received 2019-10-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (CA)

I am writing to request your help. I am a victim of identity theft. I tried to solve this matter with Synchrony Bank/Care Credit in the past. Back on XX/XX/XXXX, they received a demand for validation letter from me. 

As of today they have failed to provide me with the proof I have lawfully requested. This account with fraud charges being reported to the credit bureaus is a violation under the FCRA. 

Account is the following : SYNCB/CARE CREDIT XXXX ; opened : XX/XX/XXXX ; Limit : {$1000.00} ; Status : Closed. Please help me to solve this issue, since they are committing a violation of the Fair Debt Collection Practices Act and Defamation of  character. 

Attached : - Letter sent to Syncb/Care Credit - FTC Report
Consumer complaint received 2020-09-15
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. (TN)

XXXX ; Experian and XXXX should not be reporting that I am ( 30-60 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-10-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (AR)

XXXX XXXX allowed an unauthorized user to discontinue service on my account without my knowledge. I found out about this through a collection agency and then contacted XXXX XXXX. They admired fault because my service should not have been able to be taken out of my name without my permission. Two years later this balance is back in XXXX XXXXs system and a new credit company, credence credit collection management has my account. I called both XXXX XXXX and credence and explained how this balance was resolved. XXXX XXXX said to call credence and ask them to give the account back to them because its frozen and they cant readjust it. Credence refuses to acknowledge that XXXX XXXX wants the account back and is being rude, wont let me speak to a supervisor and isnt trying to help me resolve this whatsoever. They just keep insisting the debt is valid. They finally said the account is under review, but said they cant give it back to XXXX XXXX when two XXXX XXXX reps told me thats the only way. My credit has been severely impacted from this now for almost 4 months and I need help. Thank you.
Consumer complaint received 2023-04-07
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. (TX)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've contacted XXXX & they told me I've never missed a payment, yet XXXX refuses to remove me from being listed as late on the account. They told me they send the statements to the wrong address and agreed to update to open/never late. Please adjust accordingly. 

XXXX XXXX .... Date Opened XX/XX/18 Balance {$1200.00}
Consumer complaint received 2023-01-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Persolve, LLC - Legal - Series 2 (TX)

There is an account with XXXX XXXX XXXX reporting an inaccurate collection account on my credit reports. I am not familiar with this account and have reached out to them to get validation of debt to resolve this issue. It has been more than 30 days and I have not heard anything back from them and I know that per the consumer laws it is illegal for them to ignore my request to dispute this information. I am requesting documentation regarding this account or for the account to be deleted from my reports now as they are in violation of the consumer laws.
Consumer complaint received 2023-04-07
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. (TX)

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 name : XXXX XXXX XXXX  XXXX : XXXX, Account name : XXXX # : XXXX, Account name : XXXX XXXX  # XXXX XXXX, Account name : XXXX XXXX # XXXX XXXX XXXX Account name : DEPT OF ED/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 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (AL)

On XX/XX/2022 XXXX XXXX XXXX Hard checked my credit without my consent. I was under the impression this was a soft pull and would not affect my credit.
Consumer complaint received 2019-10-01
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: PENTAGON FEDERAL CREDIT UNION (NY)

Its not a dollar amount I looked on my XXXX XXXX report and I believe someone either tried to or have opened an account in my name because pentagon federal credit union is on my report and I never did that.
Consumer complaint received 2023-04-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION (MD)

To whom it may concern ; This complaint is in regards to a dispute I filed with M AND T BANK in reference to a purchase where I never received the product. 

On XX/XX/XXXX I made an online purchase at XXXX XXXX for a XXXX XXXXXXXX mini bike. I found the process concerning because I never received a statement for purchase. Not only that but the address and phone number they provided me was not legitimate. 

On XX/XX/XXXX I contacted M AND T and expressed to them my concerns and requested my bank card to be replaced and I requested a dispute for the amount of XXXX. 

On XX/XX/XXXX I checked my account and found they reversed the charge despite me not receiving the minibike and title. I visited the local branch on XX/XX/XXXX for more information, the information they provided me was startling and proof of fraud. 

First I was shown the receipt. The company told the bank that I picked up the bike on XX/XX/XXXX at XXXX. Next they said I signed an agreement but the signature was not my own. Lastly they used my address but changed the state to make it seem as though this was a local pick up. Despite all the red flags the bank still decided to give a company that was proven to scam customers money for an item I never received. 

I am asking to be assisted with this matter. 

Sincerely XXXX XXXX
Consumer complaint received 2019-04-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (TN)

XXXX XXXX XXXX has been recieving calls from XXXX XXXX XXXX claiming that he owes a debt that actually was never owed because one thing is his lawyer XXXX XXXX even called these people and they appeared to be very rude and could potentially violate FCRA. There has been some recordings saved of these messages .No action or paper work was sent to us for valid proof of debt that client management services claims he owes they said {$6000.00} but how because XXXX could not really do anything during chapter XXXX bankruptcy neither can he do anything during chapter XXXX which he is still in right now.
Consumer complaint received 2019-10-01
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. (MO)

Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX. I have contacted the bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2023-04-07
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: EQUIFAX, INC. (NC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX Balance XXXX {$3700.00} ; XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX 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 2023-04-07
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. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance : {$720.00}.
Consumer complaint received 2023-04-07
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: EQUIFAX, INC. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX Balance {$37000.00}.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense XXXX. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2019-04-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (AL)

My former mortgage company ( XXXX  ) sold my mortgage ( loan number XXXX ) to Shellpoint Mortgage company ( XXXX ) I sent my first payment on XX/XX/XXXX via my XXXX   XXXX  account. I sent the second payment on XX/XX/XXXX via my XXXX XXXX  account. Neither payment has been credited to my mortgage account. I am continuously receiving letters that my payments are outstanding. I have called multiple times. I am told to call back in 24-48 hours as they are " researching the issue ''. I have emailed multiple times and all I get back is a generic response that they are " looking into it ''. I just got off the phone with a man named XXXX XXXX who is supposedly overseeing my XXXX. His phone extension is XXXX He was extremely unhelpful and actually told me that he was not researching my account but he was in the unpaid accounts division. I don't know what else to do. I am going on three months of calling and emailing this company and noone can tell me where my money is. I emailed them verification of the money coming out of my bank account, I have done everything I know to do. I do not want to continue sending them my money but I also do not want my house to go into foreclosure. I never had this problem prior to Shellpoint Mortgage acquiring my account. Please advise me what steps I can take to resolve this issue as my husband and I are getting nowhere with this company.
Consumer complaint received 2024-03-25
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc (TX)

I left my apartment in Texas to join a XXXX XXXX program in Utah on XX/XX/XXXX. At the time, I was living in an apartment in XXXX, TX. I had lived there since XX/XX/XXXX. When it was time to renew my lease in XXXX of XXXX, I explained to the XXXX ( XXXX XXXX ), that I would be leaving for XXXX XXXX but I was unsure of the date as they were waiting for an opening. I explained to him that there would be little notice given - that they could call and say they have a slot, and I'd have to be there in a week or so. He said that regardless, I needed to sign another lease. Not knowing any better, I complied. 

I was notified the first week of XXXX that I needed to be in Utah on XX/XX/XXXX to start the program. I notified the apartment office that I would be leaving. The weekend before XX/XX/XXXX, I moved out. I had no other choice. I literally caught a flight to Utah that Monday morning. My parents completed the move-out for me. My father moved the furniture out, and my mother cleaned the apartment. The rent for XXXX was paid. 

The apartment complex is XXXX XXXX XXXX. 
They said that I now owe {$1700.00} ; comprised of unpaid rent for the rest of the lease period, relet fees, move without notice, and various cleaning fees. I explained that I am a full-time student and have no income. Prior to that, I was literally living paycheck to paycheck. There is no way I can pay that. I was advised that within 60 days, the debt would be turned over to collections. 

After I moved out, XXXX XXXX  called me about this several times, and they called my parents as well. I asked them not to call me during the day ( I'm in class ), and not to call my parents at all. 

My mother went to the office of XXXX XXXX  on XXXX occasions and offered to write a check to settle this. They refused to discuss anything with her, acted like they had no knowledge of the situation, even though they had been calling her about it. 

In early XXXX, the debt was turned over to XXXX XXXX collection agency, but the amount is different from what XXXX XXXX  quoted me. The collection agency also called me despite my requests to cease, and they called my mother as well. 

I do not agree with the charges that XXXX XXXX  says I owe. I notified them that I would be moving as soon as I knew, and was very honest about the entire situation. I do not feel that I owe XXXX months of rent, as I know the apartment was rented again right away. Likewise, I do not agree with the cleaning fees because XXXX ) I know that my mother cleaned the apartment and XXXX ) cleaning carpet after a move-out is a normal practice and should be expected, and not a sign that I did anything wrong. The carpet looked fine. 

Additionally, I do not understand why they would not negotiate with my mother in person when clearly they wanted to discuss the matter with her on the telephone.
Consumer complaint received 2019-10-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (FL)

I applied online to Citibank to open a checking account. I filled out all applicable information and was told I'd get a decision in the mail. On XX/XX/19, I received a denial letter from Citibank stating they couldn't get past my credit alert on my XXXX report. My current telephone number is on my alert to verify it's me applying for accounts. The Citibank customer service rep stated the back office needs the alert removed on my report. I told them my current information is also on the alert to verify it's me. Every other company has this policy to proceed. The CSR couldn't say. I think this is ridiculous as It takes weeks to write to XXXX and remove it. I believe Citibank is discriminating against me and not recognizing what all other companies do.
Consumer complaint received 2019-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NJ)

I placed a freeze with all three credit reporting agencies about two years ago when I was a victim of Identity theft. Two of the agencies removed the freeze at my request as I'm applying for a mortgage. I've called equifax 4 times in 3 days. First time I'm told all systems are down and its not possible to life the freeze. 2nd call, someone who can not comprehend the english language starts asking me questions and can not clarify the question but they don't ( per what they said ) can only state what the computer screen tells them to say. The security question they ask " what is the monthly credit card payment? '' They can not tell me which credit card they are referring to, and as I advised them, they should know that a monthly credit card payment varies every month depending on usage. Then they ask me if I have ever had a bank, auto or student loan and who was the lender. I advised what time period as I've had multiple ones of all three types. They could not answer because they say " what appears on my screen. ''
Consumer complaint received 2019-04-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NV)

Shellpoint Mortgage servicing is claiming that I have a escrow account. I pay the taxes and the home insurance myself and have never had an escrow account with this loan. 
Shellpoint is claiming that I owe {$500.00} for an escrow account.

On previous occasions I have asked Shellpoint to send me monthly statements via mail. 
As of the date of this letter I have not received a monthly statement. In addition I have requested the original Mortgage loan document from shellpoint. XXXX XXXX was the original Mortgage that I had and the loan was XXXX home loan. The loan has been sold several times and transferred to several companies. Shellpoint is not administering my loan in the terms of the original loan that I took out with XXXX XXXX.