davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (WA)

I was buying something online, I transferred money from XXXX XXXX from their spend account to Venmo to pay this person, who at the time to me there credit card machine was down and this was the only way to send payment at the time, well shortly after payment was sent the person at the company told me in order to ship I had to send a additional {$400.00} for shipping great was never disclosed, after looking into a few things I realized this was a complete scam and I called and submitted companies online at a XXXX XXXX and venmo. Even though venmo could clearly see this was a scam and this same thing had been done to others they did not refund my money or include me in any further information on how to get my money back. This company and person opens up new user names every time his account is closed due to this and they just keep allowing it. I dont understand that if I requested my money back due to this clearly being fraudulent I was told it was up to the person whether or not he returned it. I sent the companies screenshots of what information I had and any and all documentation I had or could provide.
Consumer complaint received 2020-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

THE ACCOUNTS IS LISTED AS 30 DAYS LATE WHEN I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND IT HAS AFFECTED MY CREDIT IN A BAD WAY
Consumer complaint received 2023-01-30
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. (NE)

When I investigated my credit report, I realized that some of the information was erroneous. Transunion is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ).

( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to ... promptly REPAIR all information which can not be verified. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-19
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. (UT)

In XXXX I filed a loan modification that was approved. I was put on a trial payment arrangement with a signed agreement. I made all trial payments and my modification was fully approved. The lender has since reported all trial payment months are late, no payments on my credit. I contacted the FHA and my attorney and they confirmed that it has to be reported at " paid as agreed '' because I made the payment it was just a different payment based on our NEW agreement. Now 2 years later and in a better position I want to refinance and can't because they are reporting late payments ILLEGALLY!!! I have disputed it based on my contract and 2 bureaus have updated but transunion wont claiming the original creditor is telling them not to which is ILLEGAL. It has to be reported accurately which is that I paid an agreed upon amount.
Consumer complaint received 2020-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

I disputed a claim with XXXX store for {$320.00} When they told me my card didnt work and a friend paid with his. Upon this occurring I had submitted a dispute for I was doubly charged for the merchandise. Chase representatives instructed me that I needed to submit proof of a receipt. One of the official chase claims specialists directly told me I could submit the proof via my secure message center via chase secure banking app. I cooperated and did so. Later finding out it was  actually not a viable method of delivery for such documents. Wether right or wrong I was instructed by an employee of chase this was alright keep in mind. After doing so I eventually noticed my funds were withdrew again from my account after being issued the provisional credit so I called to see what happened once again. They said I never submitted the proof. So I also mailed it in an envelope via usps. They  say they never received it. I told them that in a court of law theyd subpoena the files with the photos of the receipt. A chase executive assured me he would find them and get it taken care of. Today I get a call weeks later now three months since the original purchase and they tell me I didnt provide them proof and theyre refusing to locate the file from their database. Chase is directly violating my rights slandering my name by closing my account and putting it negative. Keeping me from making wages by holding my money and directly withholding me from seeing doctors and receiving medications I need to survive. I  want whats mine end of story they need to make right or a lawyer needs to reach out to me to represent me and take them down. Theyre 100 % in the wrong here. Ever calls recorded. They acknowledged and opened my claim based off the message I sent them with the attached photos of receipt. The pictures will be here for you to view.
Consumer complaint received 2023-09-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MO)

I received an email from transworld services Inc, about a debt I owed supposedly from XXXX from XXXX formerly XXXX XXXX XXXX, that is not mine. It contains the amount of {$460.00} and original account numbers and reference number s also states it original came or was sold to XXXX XXXX XXXX XXXX I can forward the email if necessary. I have never had a gas bill that I have had to pay anywhere in Missouri, and I have lived with my parents since XXXX
Consumer complaint received 2020-09-22
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE (NY)

My wife and I bought a number of Western Union Money Orders at several different retailers including XXXX XXXX and XXXX in XXXX XXXX, SC between XX/XX/XXXX and XX/XX/XXXX. We paid for them with our debit cards. We received the money orders and receipts for payment. We deposited them via mobile deposit into two separate bank accounts. Several days later they started getting returned with the message stop payment or altered/fictious. Western Union told us that the store had put a stop payment on the money order. When we called the store they said they did not, and didnt think they had the ability to do that. 
While weve had over 40 money orders returned unpaid, here is a very specific example : On XX/XX/XXXX, we purchased {$2900.00} of money orders from XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, SC. We were given five {$500.00} money orders and a {$490.00} money order. The {$490.00} money order was deposited online and then returned by the bank. We called Western Union and provided the money order number and amount. They told us that {$490.00} was the incorrect amount. We asked if it was {$500.00} and they said yes. We told them we were looking at the money order and it clearly was for {$490.00}. They said we needed to go back to the store to get it straightened out. We spoke to XXXX, a customer service manager, and XXXX, the regional manager at XXXX XXXX in XXXX XXXX. XXXX ran the Western Union report and all of the money orders and amounts lined up correctly. Weve contacted Western Union call center customer service multiple times. All theyve been able to tell us is go back to the store and we cant help you, go back to the store. 
I believe that a technical glitch, possibly with the Western Union positive pay file to their bank, is causing this issue. I need to speak to someone who can get to the bottom of this issue. Customer Service at Western Union is not equipped to handle this problem.
Consumer complaint received 2017-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (OH)

My ATM card was stolen and there were 3 unauthorized charges and several unauthorized ATM transactions. Citibank is giving me the runaround about the ATM transactions. They had no problem refunding the charges but they 're giving me a headache about the ATM transactions. Even though some of the charges were BEFORE the ATM transactions. I 've never used this account for ATMs. Anyway, I get this letter that says they tried to contact me for follow up and were unsuccessful. That ca n't be true, I 've received no communication from them. Anyway, the letter says to contact XXXX XXXX and so I did. She says I have to call and reopen the claim. So I call and they tell me that the claim was denied. Why would the ATM transactions be denied but the charges be approved? It does n't make sense.
Consumer complaint received 2022-04-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (SD)

I receive up to 3 phone calls a day from Synchrony Bank, with no information left except to contact them back and they leave a mailing address as well. 
Then randomly it will say its regarding a XXXX XXXX tools credit card, which I do not have, nor have ever owned. 
They call as late as XXXX sometimes.
Consumer complaint received 2023-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

XX/XX/23 - Bank of America put a Hold on {$950.00} of our funds. After a long drawn out process they have led me to believe that it is to pay a deficit in my daughter 's bank account. I have no access to the account, no way of knowing the status of he account, and without any warning they put a hold on funds in my checking account.
Consumer complaint received 2021-07-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: TD BANK US HOLDING COMPANY (PA)

Hello I a got accepted for a loan through XXXX XXXX XXXX XXXXXXXX back in XXXX of XXXX. Since then I have never received anything in the mail regarding statements, due dates, late fees, loan agreements, etc. Unbeknownst to me it was reporting late from XX/XX/XXXX to XX/XX/XXXX. This is unacceptable as I was never informed I had a payment due and never received anything in the mail!
Consumer complaint received 2020-09-22
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: Experian Information Solutions Inc. (TX)

After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events.

I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.
Consumer complaint received 2020-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events.

I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

In accordance with a fair credit reporting act [ XXXX XXXX # XXXX, XXXX XXXX XXXXXXXXXXXX BK OF AMER XXXX  XXXX ] has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.

Under 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MD)

LVNV Funding has been report information on my credit reports ; I never signed a contract with this company or gave written permission to have my personal and private information. Due to this company reporting this information and contacting me they have violated my federally protected consumer rights. The CRA has allowed this information on my credit report and it is damaging my reputation ( credit profile ). My federally protected consumer rights have been violated and this has caused major stress to myself and my family. Because this information is being reported it has harmed me financially and denies me access to homes and funding for my business.
Consumer complaint received 2023-03-10
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 (GA)

Hello, my name is XXXX. Today, I feel really sad and worried about the situation with my PayPal account. 

Today I received the bad news that my account has been permanently limited ( XXXX ). 

It's the first time I've had this situation. because I never used PayPal before. 

I use PayPal in a good way. 
I received payment from my job into my PayPal account because PayPal is the best company for receiving money safely. 

I always keep my account in good standing. 
I've never been in a fight or engaged in any other dangerous activity. 

My email address associated with my account is XXXX.
Consumer complaint received 2017-08-09
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Receivables Performance Management, LLC (TX)

I have been receiving multiple phone calls since XXXX 2017 from Receivables Performance. At all hours of the day & night. The calls sometimes started at XXXX or XXXX XXXX & have n't ended after XXXX XXXX. These phone calls are on my home phone & cellular phone. It has caused me unnecessary XXXX. I NEVER received a letter from this company I only found it on my credit report when trying to find out who these people we 're. I also searched on the internet for the phone numbers they we 're calling me from. They also call from a foreign number which has three to seven digits & they made me go through lot 's of thing 's in order to have them identify themselves. I have been repeatedly stalked by different men through the years so, naturally I assumed it was someone from the past trying to find me. I got very scared to the point I had difficulty sleeping due to the XXXX. Most of the time the person calling is a robo call or in the rare occasion it is a person they will only say their first name. I have blocked their phone calls for a while but, sometimes they get through on other phone numbers. In one day I bet I was called at least 10 times. I got very tired of dealing with these people. It grew quite frustrating. Acct ending in XXXX XXXX
Consumer complaint received 2017-07-01
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. (VA)

As early a s   XXXX   XXXX  , 2016 I disputed the accuracy of the reporting of   XXXX     XXXX   credit card accounts -- dispute letters to all   XXXX   credit bureaus and directly to the creditor. I never received any response to my dispute so I wrote directly to the alleged creditor on on   XXXX   XXXX  , 2016.    XXXX  My understanding is that this reporting must be removed if the creditor can document and prove that is both 100 % accurate and 100 % verifiable
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have XXXX  XXXX credit card. At the beginning of the pandemic I was laid off from my job and became homeless and lost my phone. During this time I fell behind on my credit card payments. I eventually regained my phone and a place to live. I spoke with XXXX  XXXX over the phone and explained my situation and what happened due to the pandemic. They explained what they could do with extending payments and forbearance and so forth. The agent advised me that if I could come up with a minimum payment of {$25.00} that XXXX XXXX would remove the late payments from my credit report. I paid the money, however they have reneged on the agreement. I spoke with an agent yesterday and he expressed concern but said he couldn't do anything. He suggested I contact you guys. 

I wa a victim of circumstance during pandemic, I caught up the payments and haven't fell behind since. This isn't right, they lied to me and are impacting my credit score greatly. I am unable to buy home due to this. Please make them make it right. Please.
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. (NY)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

I transferred {$380.00} from WellsFargo to XXXX XXXX  once on XX/XX/23 ONLINE TRANSFER TO XXXX XXXX AND XXXX  CHK XXXXXXXX XXXX XXXXXXXX REF # XXXX FOR TAXES {$380.00} However, I see 2 deposits of {$380.00} in XXXX Bank. Please recover {$380.00} from XXXX Bank. I didn't logon to my account until today after traveling out of state. I apologize for the delay in reporting the incident. Even though I have received email, I thought the notification was about the transfer I made once. 

{$380.00} WELLS FARGO XXXX XXXX Checking XXXX XX/XX/XXXX at XXXX Notes Attachments Add an attachment Bank description WELLS FARGO XXXX XXXX WELLS FARGO XXXX : XXXX XXXX XXXX XXXX ; with reference : ACH Trace ID XXXX Company entry description DDA TO XXXX ==================== {$380.00} WELLS FARGO XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXX Notes Attachments Add an attachment Bank description WELLS FARGO XXXX ; WELLS FARGO XXXX : XXXX XXXX ; XXXX XXXX with reference : ACH Trace ID XXXX Company entry description DDA TO DDA
Consumer complaint received 2023-01-30
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)

When I reviewed my credit report, I discovered the erroneous accounts. The 3 credit bureaus must verify these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be updated from erroneous reporting in my file. 

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