davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-02
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 (DC)

This is the second time in a few weeks that Venmo does not let me transfer money without valid explanation nor a solution to fix the issue. They just say that my transfer is being declined due to security issues, even though I am " friend '' with the person to whom I send money. There is no way to resolve the issue according to the " chat agent ''. Basically the answer I keep getting is " if you cant transfer money with us try another means ''. 


Here is the answer from the supervisor below : XXXX XXXX ( Venmo ) XX/XX/2020, XXXX XXXX  XXXX Hey XXXX, My name is XXXX, one of the supervisors here in Venmo. 

I'm really sorry you weren't able to use your Venmo to pay XXXX today. If I were in your situation, I'd totally feel the same way. Im happy to share more information about this process as well as some steps you can take in this situation. 

All payments are reviewed, so there is no overall account status that I can adjust even as a supervisor, and there isnt a timeline I can provide. We, unfortunately, do not receive exact reasons for an internal risk decline. These declines are automated and in order to minimize risk, we are unable to override them. 

Similar to how your bank evaluates your credit card transactions, Venmo has a robust risk platform that takes many factors into account when reviewing transactions. In this case, the risk scoring process declined this transaction. 

You may try to make the payment again at a later time, but I can not guarantee it will work. You may also try a different payment method, which will be subject to the same internal reviews. 

I sincerely apologize for any inconvenience this may be causing, and wish there was more we could do to help! 

Best, XXXX XXXX | Venmo Support
Consumer complaint received 2021-11-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (MD)

Back on XX/XX/XXXX, I had an overdraft fee charge of {$36.00} to my checking account. My understanding of the overdraft agreement with Suntrust bank was that if funds were insufficient Suntrust would simply decline payment, that I would only receive an overdraft charge to my account if I opted in to accept all charges to my account even if I was overdrawn. 

Truist bank purchased Suntrust bank and apparently their overdraft parameters are different from what I agreed to with Suntrust bank. Since XX/XX/XXXX, I have been charged with an abusive amount of overdraft fees ; 11 overdraft fees of {$36.00} totaling {$390.00} in less than 3 weeks ( attachment ) I called the customer service department at Truist explaining that I am unfamiliar with the overdraft policy of Truist, that I was still under the arrangement that I had agreed to with Suntrust. I asked for a courtesy refund of the fees that were triggered by the first overdraft on XX/XX/XXXX. The Truist representative declined.
Consumer complaint received 2020-06-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Original Creditor, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX   XXXX
Consumer complaint received 2019-06-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (TX)

I had a loan with Wells Fargo back in XXXX on a vehicle. This is now XXXX and when I try to get the title on the vehicle it say that Wells Fargo name is still on the title. Wells Fargo state they sold my account to another company. The other company is not listed and it is still showing Wells Fargo which mean the company who they sold my account to has nothing to do with the title. I only want Wells Fargo to go ahead and release the title. It has been 15 years and I need to get rid of this car.
Consumer complaint received 2019-06-08
Product: Credit reporting, credit repair services, 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. (FL)

I have submitted disputes and requests to Equifax credit bureau many times in regards to inquiries that I did not authorize. They have done nothing. These inquiries were not authorized by me and need to be removed immediately. 

XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX - CARD SERVICE Inquiry : XXXX XXXX, XXXX XXXX  - CARD SERVICE Inquiry : XXXX XXXX, XXXX XXXX/XXXX Inquiry : XXXX XXXX, XXXX XXXX/XXXX Inquiry : XXXX XXXX, XXXX XXXX/XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX   XXXX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX - CARD SERVICE Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX/XXXX Inquiry : XXXX XXXX, XXXX XXXX/XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX/XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX/XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX/XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2021-11-10
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 — Investigation took more than 30 days
Company: V and H Portfolio (GA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2018-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AR)

XXXX  MUST NOW REMOVE ALL BARRIERS TO MY CREDIT REPORTS, CONSUMER REPORTS AND MONITORING. THERE S KNOW NEED FOR CONSUMER AFFAIRS TO AUDIT MY LIFE ANYMORE!
Consumer complaint received 2018-07-24
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. (MO)

I have a collection account on my Experian Credit Bureau from a Creditor by the name of University XXXX XXXX XXXX XXXX that isn't mine and its been reporting to my credit bureau since XXXX. I have disputed the collection multiple times and have disputed directly with the creditor. Experian tells me that when they do their investigation that the debt comes back as valid and that it will remain on my credit report. This debt was from XXXX, its over 12 years old. I  called University XXXX XXXX XXXX XXXX and they tell me they don't have to provide me with proof and that I should just pay the debt. They also told me I should call my local Police Dept and file a Police Report however they wont do so because of the age of the debt and that I have no proof to show them that a debt I'm claiming isn't mine exist. I want this removed from my Experian credit report at once and want to file any and all complaints I can and I will even consider private litigation if needed.
Consumer complaint received 2018-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (PA)

I have been a proud TD bank customer for more than 12 years. I also have a mortgage account with TD Bank. It was a total surprise to me when I received 2 letters from the TD Mortgage Department yesterday : 1 ) missing a XXXX payment and 2 ) a late notice. Initially, I was questioning myself on what was going on since I have taken pride in keeping all my accounts at good standings for all these years. I have never had a late payment issue and have always maintained good balances. It was a real shock to me ; I never thought I would miss a payment. Immediately, I pulled up my online recurring transaction records for my mortgage payment that I set up at the beginning of the year, which I had screenshot from the scheduled transfer transactions confirmation page. The recurring transfer transaction was for the period beginning on XX/XX/2018 and the set amount was {$3700.00} from my Checking account to the Loan Account for the first day of each month ( a total of 12 recurring transactions was set up under a confirmation ID provided by the TD banking system ). I monitored the recurring transactions for the first 3 months, and I put my trust in the Bank system to continue my remaining transactions for the rest of the year. 

Unfortunately, in XXXX, I was preparing for a XXXX XXXX. I was so disappointed when I returned home from the hospital and saw that I had received the two letters from TD Bank regarding my missing XXXX mortgage payment. For all these years, I believed that TD Bank had the most secure and reliable banking system, which is why I have been banking with them for so long, but this incident failed me big time! I am writing to you today to inform my dissatisfaction for your banking system that hurt my good standing and my reputation as being a good customer. If you need more information and clarification from me, I am always here. I hope you can build a better, reliable system that will benefit the customers.
Consumer complaint received 2017-12-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

resurgent capital services. sent me a letter saying i owe {$890.00} they say the original creditor is XXXX XXXX -- And that the current owner is XXXX XXXX THE REF ID is XXXX i have no idea who this is, do not have any debt with this company. and they have not provided any proof of this debt or that if it was a debt that it is still collectible via the statute of limitations.. i have written them to request all of this information. it is reported as a collection on my credit report. and i have asked them to remove the same.
Consumer complaint received 2024-03-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

Dear Sir/Madam, I am writing to bring to your attention the circumstances surrounding my student loan with XXXXt, which is related to a school that was found to be fraudulent. As a result of the school 's fraudulent activities, all federal loans associated with the institution were cleared and discharged. I am seeking a similar discharge for my loan through XXXX in light of these findings. 

I am aware of the actions taken by the Department of Education to discharge federal loans for students affected by the fraudulent school. However, I am unclear about the required steps that I must take to have my XXXX loan discharged under similar circumstances. 

I kindly request your guidance on the necessary steps I should follow to seek the discharge of my loan through XXXX  due to the fraudulent nature of the school. Any information or assistance you can provide in this matter would be greatly appreciated. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and guidance on the next steps. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (CA)

This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( EXETER FIN ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Consumer complaint received 2018-07-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (TN)

We ( I represent a non-profit business XXXX XXXX XXXX, XXXX TN ) attempted to send XXXX USD to XXXX through Western Union-Money in Minutes. On XX/XX/XXXX through XXXX XXXX, the transaction was completed, a tracking number ( XXXX ) was issued. The teller ( XXXX ) called WU to verify that everything was good. 
After 4 failed attempts to receive money, I called WU - 1st agent ( XXXX, emp # XXXX ) ( on Saturday ) said money was being held, would take 24 hrs to respond to us ; 2nd agent ( XXXX, emp # XXXX ) ( on Monday ) said money was being held, would take 48 hrs to respond ; his supervisor ( XXXX ) said would take 72 hours to respond. No case numbers or other evidence of the matter being recognized were given. I asked to be transferred to XXXX XXXX in corporate headquarters. Both XXXX and XXXX said they couldn't and they couldn't transfer me to anyone else at all. I emailed Ms. XXXX seeking help. XX/XX/XXXX, an agent ( XXXX, emp # XXXX ) called and said the money was being refunded - that there were general problems with sending money to XXXX. I asked if there were specific problems with XXXX XXXX personally, and he said no. No one addressed the fact that we have been sending funds to Pastor XXXX monthly through Western Union since XX/XX/XXXX and that {$11000.00} was transferred on XX/XX/XXXX ( Tracking # XXXX ). 

This money is being used to purchase land on which to build a church and ministry buildings. The time delay has put this purchase in jeopardy. Western Union took our money without any attempt - and according to them- without intention of either contacting us or fulfilling what they said they would do.
Consumer complaint received 2018-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (FL)

Around XX/XX/XXXX I opened a XXXX XXXX Card. I paid it off in XX/XX/XXXX. It was sold to XXXX XXXX and they reported it to collections. They say I owe {$1000.00} but I paid {$1200.00} and I have proof it was paid.
Consumer complaint received 2018-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AR)

EQUIFAX MUST NOW REMOVE ALL BARRIERS TO MY CREDIT REPORTS, CONSUMER REPORTS AND MONITORING. THERE S KNOW NEED FOR CONSUMER AFFAIRS TO AUDIT MY LIFE ANYMORE!
Consumer complaint received 2020-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo automatically enrolled me in their forbearance program ( " mortgage payment suspension '' ) without my consent. I have called several times, spending many hours being passed from representative to representative attempting to ( 1 ) un-enroll and/or ( 2 ) clarify my loan 's status as not being in forbearance. I received an  enrollment letter on XX/XX/XXXX -- again I never requested or consented to enroll. On XX/XX/XXXX I received confirmation of my request to opt-out of mortgage payment suspension, only to receive subsequent letters indicating my continued enrollment. When calling to speak to phone representatives, they were unable to confirm my enrollment status. I was told that someone would follow-up shortly to confirm. No one followed up. It still is not clear to me whether or not my account is considered in forbearance status or not.

In addition to the letters attached here, please check my call logs ( XX/XX/XXXX - XX/XX/XXXX ) to confirm the time I have spent on this matter and the lack of clarity received from the agents of your company.

I have continued to make my regularly scheduled monthly payments but have two material claims regarding this matter : ( 1 ) the time and frustration I had to spend rectifying this situation entered into without my consent is significant and demands remuneration and ( 2 ) I want to ensure there is no inaccurate credit reporting concerning the status of my mortgage as such reporting could have material impacts on my finances.

Please note also that I was dealing with this issue while working a full time + job and planning for my daughter 's wedding. This was not a frustration that I wanted to take on. Please stop enrolling customers in programs without their consent. And when you do enroll them without consent, please take meaningful steps to make it right.
Consumer complaint received 2023-01-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I am confused as to how I have an escrow account now when I have never had one from the time the mortgage was established.. 
Also, I have always paid my insurance and property taxes separately. 
All the taxes have been paid from previous years, and 2020 to the present and there was no impound account set up to my knowledge.. 
I don't know how my mortgage payment has changed from {$1100.00} originally to {$1500.00} with no clarity as to what's being added to it.. 
Please see attached statements, along with my property taxes checks, and insurance documentation.. 

Thanks, XXXX XXXX
Consumer complaint received 2022-04-01
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK (IL)

In complaint XXXX, I noted that I had been given a COVID-19 partial claim but was still being reported as delinquent. Two of the three major bureaus were edited to remove the inaccurate COVID information ( but not to reflect the timely unemployment forebearance payments ), but there has been nothing done to resolve the XXXX report, which still shows the inaccurate information. 
* * * As previously stated : " I have a FHA mortgage with Midland Mortgage. My previous employer went out of business in XX/XX/2021, and I received an unemployment forbearance. After that, I found new employment and applied for and received a COVID Partial Claim. So far so good. I have made all payments since the partial claim before due date and without incident. However, the credit report reads a 90 day delinquency for XXXX through XX/XX/2021. As the attached guidance shows, the mortgage company should not report a delinquency for those three months, and in addition, the unemployment forbearance payments were all timely made. Therefore all months from XX/XX/2021 to date should show timely. This has been an issue before when I had a previous unemployment forebearance and modification. The CFPB was extremely helpful in getting this corrected. ''
Consumer complaint received 2018-07-24
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (CO)

I want delinquent payments taken off my payment record. On XX/XX/2015 I payed 3x the payment amount ( {$240.00} ), then the record says no payment was made until XX/XX/2015. I have since made 39 consecutive monthly payments of the requested amount, and I have paid one loan off in full. The company said they did not have a resolution to the problem. Due to the duration of consistent payments and the inactivity of the company to resolve the problem, I am filing a complaint here.
Consumer complaint received 2019-06-08
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. (SC)

Submitted a dispute online via XXXX upload. I faxed in the same disputed to XXXX and I mailed one to Transunion. I tried the online and fax method thinking it would be quicker to get viewed, I wasn't able to set up my Transunion account info so I mailed it in. Its been more that 30 days, I called each bureaus and to my surprise, found out that each agency outsources their inbound calls to call centers around the world. I am not opposed to saving money so I understand it, but so much information of consumers has already been leaked, hacked, exposed in breaches and sold online, I would think that Americans personal and financial information would be more secured. I am a victim of identity theft, I am trying to get several accounts removed from my credit report, most of these accounts were opened when I was away in the military. I would like for the documents that I am attaching to be forwarded to the agencies for review and resolution.
Consumer complaint received 2019-06-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance One, Inc. (CA)

ALLIANCEONE REC MGMT XXXX XXXX XXXX # XXXX XXXX XXXX, WA XXXX XXXX THIS ACCOUNT NEVER SENT ME A BILL AND HAS FAILED TO VERIFY THAT THE ACCOUNT IS MINE. 

EVEN XXXX REMOVED THIS ACCOUNT OFF BECAUSE THEY DID NOT FOLLOW COMPLIANCE BUT XXXX AND XXXX  STILL HAVE IT REPORTED ILLEGALLY