davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-05
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 (MI)

I've recently started up a Venmo account for my business ( it's a business Venmo Account ). They've allowed me to create the account by way of answering questions about my business upfront. After the account was created, I had access to accept payments from my customers which are held on my Venmo account, but they flagged the payment as " suspicious '' and froze my account to where I can't transfer MY money to MY bank account. 

If the activity was " suspicious '' and needed to be verified, the transaction should've been blocked BEFOREHAND before allowing the money to come thru the Venmo platform and before taking their fee for accepting payments. They got their cut of my money to add to their capital, but I'm left trying to figure out how to access my money. 

Venmo is asking for documents to verify my business, and I've done this to an extent when I signed up. If they needed more information, they should've asked for it upfront with the questionnaire I completed to start up the account initially. 

The person who I got in touch with is XXXX XXXX XXXX they don't provide last names in the emails ) who did very little to help. She said that she was the highest up that could assist with my situation and that I had to continue to wait for her team to verify my account even after telling her I'd use XXXX and close my account with Venmo so they could release my funds to my bank. This part was pretty frustrating because if I'm telling you I do not want your services and you have my money, you need not verify documents ( which I've already provided ) or hold me/my money up in your process as if I would continue to be a Venmo customer. 

Simply release my money to my bank so that I can used the funds for business related bills and operating expenses. 

They're doing this to other people, I'm quite sure of it, and it needs to stop.
Consumer complaint received 2021-10-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

I have two mortgage accounts with Select Portfolio Servicing Inc., 1st and 2nd liens on the same property. I refinanced the property with another lender. Payoff checks ( {$160000.00} and {$29000.00}, respectively ) were sent by the title company to Select Portfolio Servicing via Overnight delivery ( XXXX ) on Monday XX/XX/21. They were received on Tuesday XX/XX/21, yet they have not yet been credited to EITHER account. I have made calls over the past week to determine why and when they anticipate crediting these payoffs, but each representative I speak with has a nonchalant, laissez-faire attitude about this.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I, XXXX, XXXX XXXX, federally protected consumer, I have a right to privacy.. The continuous sharing of inaccurate, non-public information to my consumer credit report without my expressed written consent to my consumer credit report has been ruining my reputation. Please see the attached dispute Please See Attached Documents which include the following : Exhibit A : Affidavit of Truth/ Cease and Desist Copy of Experian consumer report Opt Out Confirmation ( XXXX ) Passport Card ( Identification )
Consumer complaint received 2017-11-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC (TX)

Please help me. I do n't know where else to turn. I received some type of correspondence from a collection company for some type of medical bill they say I owe. I had n't had any medical stuff done in XX/XX/XXXX of this year. This should be on my credit. I asked them to look into it because it was wrong then I noticed on my monitoring site they put it on there again and hit my points they just keep reporting this stuff like it 's new and I was never seen at the doctors last month
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

my name is XXXX XXXX, and i am XXXX  years of age i have been a victim of identity theft for over 15 years, i have the proper and supporting documents supporting my claim on identity theft with fraudulent accounts opened in my name fraudulently. i have enclosed the etc report along with the police report with the name and account numbers of these fraudulent accounts.
Consumer complaint received 2021-10-05
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: Receivables Performance Management, LLC (SC)

There is an incorrect debt/past due amount reported on my credit report. Supposedly the debt came from XXXX to a company called " Receivables Performanc '' according to the information XXXX has. I never had a XXXX  account nor have I ever been contacted by any representatives of either company. I believe this report to be false or else someone stole my identity.
Consumer complaint received 2017-10-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (AK)

I talked to a representative over the phone from Sallie Mae. I mentioned that I was unable to pay the current amount per month that was being asked of me. My payments do not start until XXXX of XXXX. The amount per month that Sallie Mae was requesting was close to {$1300.00} a month. When asked about a lower payment option as I am unable to afford that loan payment, I was told that there were no lower options. I could do for 3 months a repayment plan where 2 out of my 4 loans are interest-only payments, but that would still total more than {$1000.00} a month in payments. I was advised to make the payments or deal with the consequences of not paying and talking to a loan officer. When I asked to clarify they advised me that they did not have any other repayment loan options such as a salary based repayment, or repayment for those who are unable to make the current monthly payment.
Consumer complaint received 2020-10-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (GA)

I have the following new issues with Wells Fargo... 

1 ) Recently, WF put together a committee of senior executives that meet daily to address societal inequalities facing XXXX employees & customers ( I am one of these customers who have been lied to, treated like XXXX including Wells Fargo trying to force me out of business ) ... here is the article https : XXXX XXXX ) One of the main reasons it appears that Wells Fargo is trying to force me out of business is that they know I can not afford a lawyer. I have already called several law firms and all of them told me that the banks, like Wells Fargo, have hired most ( 90 % ) of the lawyers who practice " Lender Liability '' and the remaining 10 % are very busy suing banks like Wells Fargo and as a result, they will not represent anyone on contingency. One law firm said their minimum retainer is {$250000.00}. 

3 ) I also asked in an email to XXXX XXXX to forward the email containing the last certified letter to MR. XXXX XXXX and she totally ignored me including asking her to confirm that she received the email. 

4 ) I also set up 2 conference calls : one on Monday XX/XX/XXXX and the other on Thursday XXXX and NO ONE FROM WELLS FARGO accepted the invitation, declined the invitation or proposed a new time. Who is the customer here? Well this is consistent with how I have been treated by Wells Fargo... no response to emails, no reply to text messages, no return phone calls, no return receipts from certified letters ( I have no idea how this is possible especially considering on one of the certified letters I also sent 3 certified letters/return receipt requested to credit reporting agencies to help me clean up the mess Wells Fargo made to my credit rating, and all 3 receipts were returned ) 5 ) Good news : there is plenty of XXXX  work for US manufacturers ; customers want quotes for XXXX XXXX XXXX  XXXX  and XXXX XXXX XXXX  XXXX  but we need working capital to build a clean room to get XXXX approval, fabric, new employees, etc. We have learned on our own how to manufacture XXXX  XXXX  XXXX  and we need help from Wells Fargo.
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (VA)

This account has been paid in full and not in a derogatory status. XXXX has not made an update on this account since XXXX. This account is Reflecting that the last Payment on this account was XXXX which Is XXXX. This account was apart of a multi state settlement and as part of the settlement this account was supposed to be cleared from my credit report.
Consumer complaint received 2018-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My TransUnion credit Report still shows a Negative Pay Closed account with a balance of {$0.00}. It says the name of the account is XXXX XXXX XXXX and it says that the account was a collection/charge off. I've contacted this company at least 3 times and they have refused to remove this from my credit. Please help me.
Consumer complaint received 2017-11-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (FL)

XXXX XXXX claimed I own the debt of {$1700.00} to it. I have reason to believe I do not owe this debt because the debt is not valid since XXXX XXXX violated my consumer right of being informed pursuant to Consumer Bill of Rights. XXXX XXXX did not give me the facts to let me make an informed choice when XXXX XXXX changed my plan from {$49.00} monthly charge of unlimited monthly kilobyte to the new XXXX Plan XXXX XXXX. The charge of {$1500.00} that would incur from switching to the new plan at the beginning of the current billing period was not disclosed to me when I was offered the options of switching to the new plan either at the beginning of the current billing period or at the current date during the transaction with XXXX XXXX. Therefore XXXX XXXX has failed to inform me critical information when I was making the purchase decision, and violated my consumer right of being informed.
Consumer complaint received 2021-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (MA)

On XX/XX/2021, I tried to purchase air tickets on the official website of XXXX XXXX, one of the world 's largest airlines. However, my city premier card was declined. I called citi, and they denied that it was their problem, because they did not see the transaction, and started to blame the merchant. This was not the first failure I had with this citi card, and they continuously blamed the merchants rather than look at their own system. I have attached the screen shot to prove that the transaction indeed was submitted to citi for process and it was citi who declined it. I would prefer to have this case escalated to the highest level such that the rights of the consumers could be protected. Thanks.
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on Equifax 's response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry I am not familiar with. 
XXXXDate of Inquiry XXXX XXXX, 2020 2020
Consumer complaint received 2021-10-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY (ME)

New local banking relationship started XX/XX/XXXX savings account number XXXX https : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX; local number ( XXXX ) XXXX checking & savings opened XX/XX/XXXX with {$1000.00} and {$24000.00} respectively. 
Did I get {$300.00} bonus 90 days after account opening?? ABSOLUTELY NOT. 
Upon following up with them, they said I didn't enter a code but I followed the instructions perfectly. 
I believe what they are doing is simply trying to get out of the {$300.00} bonus which was promised.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-02-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (ID)

I am contacting you to report a fraud perpatrated on me by the company Coinbase located in XXXX California. On XX/XX/XXXX I placed a sell order wire for XXXX Btc or {$360.00} from my Coinbase account to my credit union bank account, Coinbase transaction history notes showed that the transaction ( XXXX ) was completed on XX/XX/XXXX however the funds were never received by my bank. I contacted Coinbase via email and phone over a dozen times as well as sent them bank statments It is now XX/XX/XXXX they have never once looked into the case and have not returned my missing funds. I sent the requested documents including my bank statments to prove funds were never received to XXXX@Coinbase.com. I also contacted support XXXX in XX/XX/XXXX XXXX a manager on XX/XX/XXXX also several other managers and support members and have email corespondance as well in each case, they say that thier team will fix it but I have never received one email from the Coinbase internal team that is supposed to fix and return the money. I feel over 4 months should be a more than reasonable amount of time to correct this error and return my funds and and is also a clear violation of thier printed resolution timeframe of up to 45 days. At this point I am not sure what they are doing with missing customer funds but feel I have been mislead and misrepresented by Coinbase. 


They have a policy clearly noted on thier website that they have not followed, I have copy pasted it as follows : ( We will determine whether an error occurred within 10 business days after we hear from you and will correct any error resulting from a technical mistake, misrepresentation, or omission by Coinbase promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. 


We will tell you the results within three business days after completing our investigation. If we determine that there was an error, we will promptly correct the error. If we decide that there was no error, we will provide you with a written explanation. You may ask for copies of the documents that we used in our investigation. )
Consumer complaint received 2017-11-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NAVY FEDERAL CREDIT UNION (CA)

Theres a double hard inquire from Navy Federal with the same exact date. Ive only applied for their credit card one time.
Consumer complaint received 2016-11-25
Product: Credit card — 
Issue: Late fee — 
Company: Paypal Holdings, Inc (NY)

I am being billed by a company called Paypal Credit for a charge on a deferred purchase BUT I never requested the different payment account. I pay all my credit card bills for purchases in full. I received statements saying I had a zero balance and so, just filed them away. Then I started to receive bills indicating I had late fees and interest due on a paypal account. I called the customer service number and a person said they would reverse the fees and account needed a payment to close the account for a purchase. I authorized the payment to pay for the purchase and they said my account would be closed. The account was not closed. And I received another bill for additional {$35.00} late fee. I figured the payment crossed in the mail/processing of the prior payment. I ignored that bill. Then received another bill for {$35.00} I called customer service again. They said the account fees would be taken care of. Now I keep getting bills for late fees of {$35.00} on ZERO purhcases. I tired again to find out what might be a legitamate charge and was advised that {$38.00} would resolve the past purchases. I authorize that amount and was assured by CS Rep that all would be reversed by her supervisor and account closed. That was 10 days ago and thus far, the account is still opened and now the fees are up to {$180.00} with no evidence that my payments have ever been credited. This company is apparently a SCAM.
Consumer complaint received 2018-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSWORLD SYSTEMS INC (NJ)

This loan was originally obtained in XXXX. The loan first became delinquent on XX/XX/XXXX. I obtained a copy of my XXXX report on XX/XX/XXXX to see what was on it. the account was reported as delinquent since XXXX as expected. The account was due to be removed from my credit report on XX/XX/XXXX and today on XX/XX/XXXX I once again checked my report and noticed that the creditor XXXX erased all of the previous reported missed payments from my report and re-reported the account as being delinquent only as of XXXX. I contacted XXXX  via telephone and the representative notified me that as of XX/XX/XXXX XXXX reported that I was only 180 days late on the account. By my calculation a delinquency from XXXX does not equal 180 days late. The creditor is try to keep the account on my credit report longer that legally allowed by reporting fraudulent information to XXXX. I have disputed this account on 4 different occasions asking for proof of contract between myself and this agency without any luck in obtaining that information. My original creditor was not this agency that is currently trying to collect on this very old debt.
Consumer complaint received 2017-11-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I had a Bank of America checking account. The Bank started charging me fees and then overdrew and closed my account. I called and thought that everything had been corrected and then I received another notice that it was being closed upon my request. I do n't know where my balance went as it also disappeared when my account no longer showed in on-line banking. I submitted a complaint to Bank of America about a week ago and never heard anything other than a request to complete a customer survey about my experience. I want my account reinstated as I was under the impression as a Preferred Rewards Platinum member I was not to be assessed the types of fees I incurred. I would like my funds back to please.
Consumer complaint received 2018-02-09
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I recently checked my credit score for the first time in many years and found an account from portfolio recovery llc.The only loan I have taken out in the past XXXX or XXXX years was an auto loan, which was satisfied in XX/XX/XXXX.I contacted portfolio recovery via certified mail and they sent me information that didn't verify anything. I looked into this collection agency and found that they are known for this type of " zombie '' collections.This has affected my interest rate on a car loan which is why I checked my credit score in the first place.In the response from Portfolio Recovery LLC they show a payment of {$170.00} on a statement : XX/XX/XXXXXX/XX/XXXX. That payment was certainly not from me and have not received any evidence from them that it was. From what I can glean from this company I am guessing they made a payment to keep the ( bogus ) account open and not be affected by any Florida statue of limitations and or in order to re-set the clock for their collection window.
Consumer complaint received 2017-11-20
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: Experian Information Solutions Inc. (AZ)

I contacted the credit bureaus on multiple days and advised them that I had inquiries on my credit report that I did not authorize. They told me that I would need to get ahold of the companies and dispute with them. I advised them that I have contacted the companies multiple times and they have no record. I have asked for validation of these inquiries and have not received a response. I want these inquiries off of my credit report NOW. This isnt fair to me because it may not be a big impact but there is an impact and its hurting me.
Consumer complaint received 2017-11-20
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. (AZ)

I contacted the credit bureaus on multiple days and advised them that I had inquiries on my credit report that I did not authorize. They told me that I would need to get ahold of the companies and dispute with them. I advised them that I have contacted the companies multiple times and they have no record. I have asked for validation of these inquiries and have not received a response. I want these inquiries off of my credit report NOW. This isnt fair to me because it may not be a big impact but there is an impact and its hurting me.