davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (MS)

I purchased a XXXX sewing machine on XXXX from a company named XXXX on XX/XX/XXXX using my debit card. I screen shot the order and the next day I received a message from PayPal saying that they wouldn '' t take the funds out until the item shipped and the company name that would show up on my bank account would be XXXX XXXX. First of all I didn't go through Paypal, i sent my info to the company directly. The company said i would receive the item in 3-5 days. When it came and went, I contacted Paypal and they started a dispute and said they would give them until XX/XX/XXXX to reply. Their reply was that the item was on its way. It was coming from XXXX after all and I wasn't aware of that. I finally received a package XX/XX/XXXX in my mailbox from XXXX and it was a pair of socks! There isn't any information on the package except from XXXX, no company name nor address. I contacted PayPal to tell them what I received and they denied my claim saying that I received something. This isn't acceptable on PayPal 's behalf because they advertise that if you are unsatisfied with anything they will refund your money. I also, contacted XXXX since this is where the advertising was at and they haven't replied to me at all.I just found out that 2 of my friends have also been scammed through PayPal and haven't received anything at all from their orders and PayPal isn't holding up to their policy. Another thing I just discovered is that the company I ordered from is advertising the same sewing machines on XXXX using different company names as we speak! Both XXXX and PayPal should be checked into for this!
Consumer complaint received 2024-05-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I had a Venmo account that has been inactive since XXXX due to fraud. In XXXX a fraudulent transaction was authorized by Venmo from account for {$1500.00} from a CLOSED bank account. Despite this bank account being closed due to fraud, Venmo still authorized the transaction and sent it to the recipient. The recipient then tried to request ANOTHER {$1500.00} from my Venmo. Venmo did not confirm that the transaction was valid nor did they verify the funds and because the bank account was closed, now they are trying to collect the {$1500.00} from me, which is fraud. In addition, someone mistakenly sent me {$300.00} which I have asked Venmo to return to sender but Venmo is now fraudulently holding that {$300.00} as well because of the {$1500.00} disputed transaction. The sender even contacted Venmo alerting them of this mistake and requesting the funds be returned but Venmo has refused. 

In my entire Venmo history I have only had one other transaction totaling over {$500.00}, which I did in fact authorize and obviously did not dispute because it was a valid charge. However two sudden {$1500.00} transactions to the same recipient, was not normal behavior in my transaction history. I asked Venmo to investigate and after a cursory investigation they claim the {$1500.00} fraudulent charge is valid and have also continued to fraudulently hold the {$300.00} that was accidentally sent to me. Overall this is fraud and a complete lack of due diligence from Venmo. Holding that {$300.00} and not returning to sender after my account has had XXXX activity for 5 years is abusive and coercive fraud in addition to the original {$1500.00} fraud that they clearly never investigated as the investigation was opened at XXXX on XX/XX/XXXX but was supposed completed at XXXX on XX/XX/XXXX. At least pretend you made an effort rather than expecting me to believe that someone miraculously looked into this outside of Venmos working hours with a less than XXXX hour Friday night into early Saturday morning turnover time. Their lies dont even make sense with their own policies and hours.
Consumer complaint received 2020-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (KY)

Using XXXX  to connect my PNC Account to my XXXX account, It Will NOT work for me. It goes through all the steps but at the last one, verifying my mobile number, it says PNC has made changes to stop the service.
Consumer complaint received 2023-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY (NJ)

I was trying to acquire a laptop, printer and phone for a job but I was scammed by the people selling them. I sent them money and they never sent the devices and TD Bank refuses to refund my money. I sent a total of XXXX payments ; XX/XX/XXXX for {$740.00}, XXXX on XX/XX/XXXX ( or XXXX ) for {$830.00}, and another one on XX/XX/XXXX for {$830.00}. I filed a police report in my town and went into the TD store to try to receive help. I filed a reg-E claim with my bank but it was denied because they said " I willingly sent the XXXX payments XXXX ''
Consumer complaint received 2020-08-19
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. (NY)

To whom it may concern, I am being hit with a hard inquiry from XXXX XXXX for the month of XX/XX/2020. I did not apply for anything XXXX XXXX or XXXX. I did not authorize anyone to run my credit profile nor did i sign anything. This is 100 % fraud. I am asking for this to please be removed from file to all credit reporting services.
Consumer complaint received 2020-10-12
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: FREEDOM FINANCIAL NETWORK (CA)

Hello, Im currently a member of Freedom Debt Relief and have been a member for since XX/XX/2017. I was told that all my debt would be resolved in 5 years! 

I feel as though Im being scammed because I recently found out that over three years Ive deposited over {$4500.00} dollars to settle debts and only {$800.00} dollars of my debt has been paid off. Please help. 

They wont even give me a ledger to see where all my money has been going. They also gave me a number for XXXX to obtain my ledger but apparently their offices are officially closed due to covid and I cant get ahold of a representative. 

Ive been paying {$230.00} dollars a month for three years and only {$800.00} dollars of debt has been paid. This is absolute fraud. Please help. 

-XXXX  XXXX.
Consumer complaint received 2020-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

AFTER REVIEWING MY CREDIT REPORT I FOUND ACCOUNTS THAT DOES NOT BELONG. THIS IS MY 3RD TIME WRITING AND DISPUTING THESE INACCURATE ACCOUNTS THAT IS HINDERING ME FROM DOING BETTER IN LIFE ...
Consumer complaint received 2019-11-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Goal Structured Solutions, LLC (TX)

I was on a payment plan of XXXX. They recently finished the plan and the payment went up to XXXX. I tried to tell them that I couldn't afford that at this time but I could continue paying the XXXX. My credit isn't good enough to refinance the loan and they weren't willing to work with me. So I pay the XXXX and now they've reported me as delinquent.
Consumer complaint received 2024-05-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (CT)

I have been trying since Tuesday XX/XX/XXXX to withdraw funds from my brokerage account to no avail. I chatted online with XXXX different peoples still with no help. XXXX was the most helpful, however what he is instructing me to do as a workaround does not work. Their site will not allow me to disable Margin Investing so that I can withdraw my settled funds, message keeps telling me to deposit funds or sell assets but not providing an amount.
Consumer complaint received 2020-07-09
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: EQUIFAX, INC. (AZ)

Equifax deleted XXXX XXXX  with account balance of {$2000.00} on my credit report then added it back. The first delinquency has already exceed 7 years in XX/XX/2020. XXXX  and XXXX  deleted from my credit report on XX/XX/2020 but problems with Equifax  as usual. Its not like the creditor tells credit agencies okay go ahead and delete from XXXX  and XXXX  but not Equifax. Equifax needs to follow FCRA and remove old information. I have proof that it has been deleted from XXXX  and XXXX. I am not saying the debt is not valid but I am saying that Equifax needs to follow the law. They are not supposed to be reporting debit that is over 7 years old. Equifax should not be able to report incorrect information. Everyone always says they hate dealing with Equifax and I wish there was another credit bureau that would replace Equifax. They lie, misreport information, and are difficult to deal with. My credit score are like 60 -85 points  higher with XXXX  and XXXX.
Consumer complaint received 2024-05-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (WI)

I am writing to request your assistance in obtaining the Navient School Misconduct Discharge application. I hold a Borrower Defense to Repayment ( BDTR ) status and have been diligently pursuing the necessary paperwork for the discharge of my student loans since 2020. 

As an alumna of XXXX XXXX XXXX XXXX XXXX, which has been identified as a defrauded school, I meet all the eligibility criteria for the Navient School Misconduct Discharge program as outlined in the Attorney General settlement agreement. Despite numerous attempts over the years, I have encountered significant challenges in obtaining the required documentation from Navient.

Every time I have contacted Navient regarding my eligibility for loan discharge, I have been met with promises of receiving the necessary paperwork via mail. However, despite these assurances, I have yet to receive the Navient School Misconduct Discharge application.

Given the circumstances surrounding the closure of XXXX XXXX XXXX XXXXXXXX and its involvement in fraudulent practices, I urgently require the Navient School Misconduct Discharge application to proceed with the resolution of my student loan debt.

I kindly request your assistance with receiving the Navient School Misconduct Discharge application. Should you require any further information or documentation from my end, please do not hesitate to contact me. Thank you.
Consumer complaint received 2018-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC (TN)

In XX/XX/XXXX, my old Perkins Loan from XX/XX/XXXX completed the rehabilitation process with XXXX XXXX XXXX. It was then transferred to XXXX for servicing. 

Payments have all been made in a timely matter, which has been acknowledged by the servicer. 

In reviewing my file on XXXX, I saw that one loan was being reported as in default status. This initiated numerous phone calls to the servicer as well as several government agencies to find out why that loan showed as defaulted. 

The servicer admitted there was no problem on their end and would look into it. The CS agent I spoke with also assured me that they update every Friday, and it would be resolved then. 

Except, it wasnt. Finally, on or about XX/XX/XXXX, I was told by a CS agent at the Department of Education that the servicer had not updated since last XX/XX/XXXX, and that they are the only people who can perform this update. 

As of today, it still has not been done.
Consumer complaint received 2018-09-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Citizens Bank advertising a promotion for a {$200.00} bonus for opening a checking account, requiring within 90 days a direct deposit of {$500.00}. Opened account online through the bonus link on XX/XX/2018, and completed direct deposit of {$500.00} to account on XX/XX/2018. The deposit was reflected in my account as a Direct Deposit. I asked an teller at the Citizens Bank located on XXXX XXXX in XXXX, MA on theXX/XX/XXXX, if a direct deposit transfer was a qualifying transfer and was told it was qualifying and in they had down so themselves. I contacted customer service by phone XX/XX/2018, to check status of bonus since was supposed to appear within 90 days, was told it would be the following week. Contacted customer service on XX/XX/2018 the 90 day mark and was told bonus would appear by the XXXX, nothing appeared. Called customer service XX/XX/2018, was first told it was XXXX business days ( promotion flyer does not state this ) call was lost and I called back. Talked to another representative who was polite and helpful and called another department and was told my Deposit did not qualify because it was not from an employer.While the flyer does mention an employer deposit as one type of Direct Deposit it was not the sole one, this coupled the I was assured by an agent that my direct deposit would qualify and at no time when speaking to agents on previous calls was I informed I would not qualify for the bonus, only that it would post soon. {$500.00} is a lot for me and I left untouched for entire summer under the belief I would receive the bonus. I had intended to use this account because Citizens Bank has a strong presence in XXXX XXXX, but now believe I got a run around and fell for a deceptive enticement.
Consumer complaint received 2023-09-03
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. (NY)

Equifax, a credit bureau, failed to provide an opt-out notice as is required by all financial institutions, in which I, the consumer, have the option to opt-out of having my information shared with unaffiliated third-parties. Thus, any unlawful use of my nonpublic personal information without full disclosure and consent constitutes identity theft. 

On XX/XX/, Equifax received my Notice of Identity Theft along with the required personal identification information per 15 USC 1681c-2, requesting that Equifax block the reporting of five ( 5 ) unauthorized adverse transactions from my consumer credit report. Equifax failed to comply with the statute and with my requests by failing to block the reporting of unauthorized information identified by the consumer no later than 4 business days after receipt of notice.

Equifax continues to unlawfully use my personal and financial information which included the sharing of information to unaffiliated third-parties that adversely affected my creditworthiness and resulted in defamation of my character and general reputation. 

Despite three ( 3 ) written notices sent via certified mail, Equifax continues to report damaging unauthorized personal and financial information on my consumer credit report.
Consumer complaint received 2022-04-06
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. (CA)

Experian is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 5 complaints informing Experian that I was a victim of identity theft. Experian is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Experian has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : 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 XXXXXXXX
Consumer complaint received 2020-09-21
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$3000.00} -This is not my account.
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Risecredit, LLC (TX)

I filed Chapter XXXX bankruptcy in XX/XX/2018. Last week, the company RISE listed late payments on my account. This account was part of my bankruptcy. It needs to be removed
Consumer complaint received 2018-09-22
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (MA)

I got a credit card through XXXX XXXX which uses XXXX XXXX. Sometime in XXXX I purchased a sweater for less than {$25.00} with the credit card to get a discount. At the store, I paid the balance in full at the same day using my debit card. 

Through a monthly credit monitoring tool, I found out in XXXX that the balance on the XXXX XXXX was {$55.00}. I was shocked and confused and on XX/XX/XXXX around XXXX I called the company to find out why I was being charged that amount. After being passed around for over an hour and 30min to different people from XXXX to the US, I finally talked with a person who said that I had to pay {$29.00} to make my balance current because the sweater payment didn't go through at the store. Since I was very frustrated at the confusing fees and lack of contact and communication, I requested for the account to be closed as well. I paid the amount and it was taken out of my bank account on XX/XX/XXXX. 

I asked the representative over 3 times to ensure that my account balance was XXXX and my account was closed. She gave me a confirmation number of # XXXX. I checked my monthly credit monitoring and now the account shows up as delinquent, closed along with a balance of {$59.00}. I've tried to call the company but no one is picking up and I can't reach out anyone.
Consumer complaint received 2020-05-23
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 — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (AL)

My dispute is with Comenity Bank. I have done several disputes with the company and on my credit reports. I have no knowledge of these accounts they have listed on my report. I've sent disputes and asked to send me signed documentation proving these accounts are mine. I keep getting letters back stating the accounts are verified and are mine with copies of billing statements, but nothing saying I signed up for these accounts bearing my signature. I recently went through a separation from my ex husband, ( due to XXXX  XXXX and us being illegally married because he was still married to his first wife. ) I tried to dispute with the courts and he said he only did it for the insurance and didn't think it was illegal. They didn't follow thruoug with the XXXX charges. He fraudulantly kept the house ( rental ) with all of my personal documents. He has gotten a lot of things fraudalantly in my name but without physical proof I didn't consent to it, I am not able to file charges. According to the magistrate. 
I have been disputing these charges for months and have also sent factual disputes for the discrepencies on each account. But Comenity insists on keeping it on my credit reports in order for someone to be resposible and pay. They have CHARGED OFF these accounts several times when I dispute them. Each account has been charged off 5-8 times. The accounts regularly updates even though it is charged off. They have negatively reaged the accounts changing deliquincy status of accounts to fool the credit bureaus into thinking it more recent. From my understanding, re-aging accounts is illegal and is a violation of the Fair Credit Reporting Act. When I dispute these accounts, the change the status to closed then later back to charged off. They have done this multiple times which negative affect my credit reports. Comenity lists accounts closed and reports missed payments/change payment history, then removes missed payments, then changes back, which constantly negatively impacts my report. If accounts are charged off, how can a payment history be added. 
As of the recent dispute, they listed that they received a payment on each of the accounts which I have not made any payments on any of these accounts. Again, reaging the accounts on my credit reports. Isn't this illegal practicing? 

From my research of this company, they are known for illegal practicing and not sure why they are allowed to continue. I would like for them to remove the listed accounts from my credit reports : Comenity/XXXX Comenity/XXXX ( XXXX )  Comenity/XXXX  Comenity/XXXX  ( XXXX ) Comenity/XXXX Comenity/Wayfair Comenity/Victoria Comenity/XXXX  ( ( XXXX  ) Comenity/XXXX  ( XXXX  )
Consumer complaint received 2023-05-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CO)

I wire transferred {$55000.00} from my WellsFargo savings account to an account that was not secure at XXXX XXXXXXXX XXXX. The funds were fraudulently removed after transfer. I was not advised by WellsFargo that the fund would not be secure after transfer. I lost the entire amount due to fraud. 

The details are enclosed in the document below. 

I believe it would only be a fair resolution and one that makes sense. For Wells Fargo to refund me the money I lost due to their misconduct. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX