davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (WI)

My fianc sent me money via vemno and then i got an email alert advising my account had been frozen. I reached out to venmo after submitting my drivers license to inquire on why i had a frozen account. The reps could only tell me that the team who handles my request will get back to me within 5-7 days and close out my chat. despite a number of contacts trying to get information on who to speak to or what is going on. no one will provide me with anything. my fianc has validated the funds and her identity with the company and so have i. yet i still keep getting the run around. All i keep being told is that someone will reach out in 7 business days or 10- business days. they will not produce a reason for the funds being held even though they were ACH and already drafted from the senders account. They will not give me any advice on when the funds will be ready for use either. This is unacceptable and deceptive and very very unfair practices to consumers. We should be given notice if funds are being held and notice as to why. Along with how long the funds will be held. I want the funds released for use or returned to the sender immediately. 

funds transfer XX/XX/2020 XXXX am I made contact with them immediately 7 times and each time i am told someone will get back to me without any additional details.
Consumer complaint received 2022-10-08
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: Experian Information Solutions Inc. (TX)

Unreconized credit inquires i did not allow are the following XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2021-02-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Century Finance, Inc. (NC)

The manager of Century Finance in XXXX NC is running a scam trying to insinuate that I need to pay late fees that have already been paid in full as of XX/XX/XXXX. I have been a loyal customer to this company since XX/XX/XXXX when they service an auto loan. I lost my job due to COVID-19 and I went back to school for XXXX and obtained my XXXX XXXX  which was a requirement for me to enter XXXX school, all while this company have been a nightmare to do business with their shady tactics and false statements. I authorized XXXX on XX/XX/XXXX to be taken from account. One of the females at the office overrode my authorization and took XXXX out of my bank without my permission and I immediately emailed her with no response and then called the manager to see what their problem is with following directions. They took the late fees with a payment of XXXX on XX/XX/XXXX with one late fees of {$16.00} left. I received a nasty email XX/XX/XXXX. from the manager telling me of the one late fee left which I already was aware of and did not need threatening email. I had a conversation with him and he told me to just pay the XXXX and I sent him a confirmation email of the payment. This company has a problem sending me receipts which is on my account to send me receipts after receiving my money. My account was paid up some XXXXmon in advance to payoff the loan early so i can get rid of this messy loan company. I resumed payments XX/XX/XXXX and he took the XXXX amount off my loan which I thanked him for in the emails I will be attaching, but he put it back on my account for my payment due in XX/XX/XXXX. He inaccurately stated that I have made XXXX @ 27 payments, but you will see in the email he forgot to mention the XXXX, which would accurately be XXXX @ 26 payments+ 1 payment@XXXX totaling XXXX before Saturdays payment leaving only XXXX left in late fees owed. I took care of that remaining late XX/XX/XXXX with a payment of XXXX to reflect the email I received of the remaining late fee on XX/XX/XXXX. He is fraudulently charging me for late fees already paid that I refuse to pay again. I am a single parent of XXXX  XXXX  kids and just in disbelief that I am being taken advantage of even during this difficult time of being unemployed due to COVID-19, but I am still standing and have not missed one payment. He is untruthful and comes off as a scammer and I regret ever getting a loan with this non-complaint company.
Consumer complaint received 2021-01-25
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. (GA)

These accounts have been disputed on XX/XX/XXXX with no response from TransUnion and since sent another dispute on XX/XX/XXXX. They have gotten my letter along with my identification which was a copy of my current military id, copy of my Social security card and copy of my water bill. 

XXXX XXXX XXXX Account Number : On XX/XX/XXXX I reached out to TransUnion because the date of last activity shows XX/XX/XXXX on XXXX  but on TransUnion shows XX/XX/XXXX. The balance on this Collection continues to increase with my credit report on XX/XX/XXXX has a balance on TransUnion of {$4900.00} and XXXX  has a balance of {$5000.00}. The report sent by XXXX after my dispute the account now shows a balance of {$5000.00}. When I pulled my credit report on XX/XX/XXXX the balance showed {$5000.00}. Which has increased since the XX/XX/XXXX report. How does this collection account continue to increase the balance every month? 

This account is inaccurate and TransUnion has failed to response within the 30 Days to verified this information and has not responded in over 56 days from my dispute and needs to be removed immediately
Consumer complaint received 2021-11-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (TX)

I requested the verification of a negative item, in pursuit to the Fair Debt Collections Practices Act, 15USC 1692 Sec.809 ( b ). You are required under the above named titled and section, to show your lawful authority to collected on an alleged debt claim ; I am requesting the following items : The name and address of the original creditor A copy of the original contract between myself and the original creditor. 
The original application for this account with my signature. 
A copy of the agreement authorizing your company to collected on their behalf of the original creditor. 
FULL detailed accounting history on the account and the calculations on how they reached the amount owe. 
Provide verification on any judgments connected to this account. 
Provide your license to collect in my state and your registered agent name with their address. 
Please show proof that the Statue of Limitations has not expired in my state for this account. 
Provide the date of the last payment on this account. 
I received a Bill statement nothing with my signature proving that the debt belongs to me and I have been a victim of identity thief so I take verification serious
Consumer complaint received 2020-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I was advised to complete a student loan rehabilitation program in XX/XX/XXXX by the U. S. Department of Education. I entered the program in XX/XX/XXXX. However, negative credit reporting was filed every month of my enrollment from XXXX XXXX. I was released from the rehabilitation program in XX/XX/XXXX, and entered a loan deferment status in XX/XX/XXXX due to my enrollment at the University XXXX XXXX XXXX  at XXXX. 

After noticing the negative credit reporting I have attempted to contact the loan provider, U. S. Department of education, and have filed several complaints to have the account to reflect the appropriate status for someone who was enrolled in loan rehabilitation due to missed payments prior to XX/XX/XXXX.
Consumer complaint received 2022-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX, account XXXX XXXX  XXXX, account XXXX XXXX  XXXX, account XXXX XXXX  XXXX XXXX, account XXXX XXXX XXXX XXXX  XXXX XXXX  , account XXXX XXXX XXXX, account XXXX XXXX  XXXX , account XXXX XXXX XXXX XXXXXXXX XXXX, account XXXX XXXX  XXXX XXXX XXXX, account XXXX XXXX XXXX  XXXX, account XXXX XXXX XXXX XXXX, has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-11-11
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: JPMORGAN CHASE & CO. (IA)

XX/XX/XXXX, XXXX I put in a dispute with Chase Credit Card for a charge to XXXX XXXX XXXX XXXX the amount of {$10000.00} XX/XX/XXXX, XXXX I cancelled the dispute as the merchant stated they would refund the money and work directly with us XX/XX/XXXX, XXXX Merchant continuously communicated they did not receive the money back yet ; therefore, I submitted an additional dispute to Chase XX/XX/XXXX, XXXX Merchant 's bank accepted the dispute and agreed to let Chase keep the disputed funds XX/XX/XXXX, XXXX Chase claims to have submitted the funds back to the merchants bank ( after I submitted an additional dispute ) This dispute was not handled appropriately. Currently, both Chase and XXXX ( merchant 's bank ) state they do not have the funds, yet I am without a product and have paid {$10000.00}
Consumer complaint received 2021-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NH)

I enrolled in an offer that stated I would receive 5 % back on online purchases made between XX/XX/2020 and XX/XX/2020. On XX/XX/2020 I purchased {$500.00} on XXXX. I expected to receive 5 % of {$500.00} which is {$25.00} but I only received {$7.00}. I have attempted to contact Citi regarding this issue. The customer service representative has reviewed my account and confirmed the discrepancy. The issue was escalated but I received a letter stating that no action was taken to resolve the discrepancy. I would like to receive a credit for the remainder in the amount of {$17.00}.
Consumer complaint received 2022-04-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma (CA)

I disputed two transactions with my credit karma bank account on XX/XX/2022 in the amount of {$200.00}. Both {$200.00} transactions were not authorized. I kept in contact with the bank and on XX/XX/2022 I received an email at XXXX. Saying that my account will be receiving my refund on XX/XX/2022. When the refund didnt hit my account I called. The man I talked to said there system had crashed and they cant do anything to call back in an hour. I did. They then said they now denied my claim at XXXX. They denied my claim because i I am responsible for all authorized users. He is not an authorized user after telling them this they then locked and closed my accounts.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Checkr, Inc (MD)

The Checkr company, which executes background checks for various companies, has been executing a routine, annual background check on me since XXXX of XXXX. 

This background check was requested by XXXX, which is a XXXX company I work for and have worked for since XXXX. 

Previous years background checks have taken anywhere from 5-days to 2-weeks to complete. While the background check is being processed, XXXX drivers such as myself are unable to drive as they await the results. Checkr indicates on their website the following : " Most background checks take 3 to 7 business days to complete, but some may take longer. Every background check is as unique as the individual applying, so the completion time varies with each report. '' My background check is now in month seven ( 7 ), with no indication of it being completed in for the foreseeable future. This prevents me from being able to work and earn income. 

I have been communicating with Checkr extensively since XX/XX/XXXX of XXXX. I have attached a document of the email thread I have used since that time. All they have been able to tell me is that the problem is with the Hawaii courts, as I lived in Hawaii 15-years ago, from XXXX to XXXX. 

Also on their website, specific to Hawaii, the following is found : '' Hawai'i has a law thatlimits an employer 's consideration of criminal records contained in a background check to records whichare no older than seven years. TheFederal FCRA also limits background check reporting periods for certain civil records to seven years, in some cases. '' The link to this wording is here : 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 This would indicate to me that they will never be able to gain background information for me, since I have not lived in Hawaii since XXXX. 

Having worked as a XXXX driver for both XXXX and XXXX since XXXX, each company up until XXXX has completed background checks on me without issue. 
Coincidentally, XXXX just locked my account as it too is using Checkr to perform my annual background check. That process has also been delayed and is at about the 2-week mark since it began.

Though I understand the need for background checks, I believe its unfair to prevent someone from working and earning money by something that is out of their control. 

It should be noted that I am with XXXXXXXX XXXX XXXX XXXX and have XXXX. XXXX XXXX status for travel, both of which performs far more extensive background checks than those performed by Checkr, incudling fingerprinting. Checkr does not perform fingerprinting.

Please help me regain the ability to earn money, as I recently retired and have no other means with which to earn income at this time. 

Thank you.
Consumer complaint received 2023-08-09
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. (MD)

I found multiple inquiries on my report on XX/XX/2023 that shouldnt be there because i did not authorize any Institutions or agencies to access my report I submitted the FTC report to the bureau directly and they did not help.
Consumer complaint received 2022-04-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmerAssist A/R Solutions, Inc. (CA)

I filed a dispute with the credit reporting agency regarding the medical debt placed on my XXXX and XXXX report. The company states they verified information but they could not have since they do not have access to any medical records. I did not give permission and they will be violating my HIPAA rights if they did get access.
Consumer complaint received 2022-04-02
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: EQUIFAX, INC. (NC)

In checking my equifax online, I noticed another account being merged with mine. We do have similar names and other similar information. We have two diffrent social security numbers. Mine ends in XXXX and I am seeing some one elses report ending XXXX. This is a huge breach in privacy and is affecting my and this other individual as I see a collection of mine and a hard inquiry of mine on this other report. Equifax needs to get this fixed and stop reporting my information to this other credit profile as well as stop reporting this others profile 's information to my report.
Consumer complaint received 2021-02-01
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: DISCOVER BANK (TX)

Please see the attached transaction history. The transactions highlighted in red were not made by me. My Discover credit card was lost, and I didn't make any of those purchases nor did I go to those stores. All of my purchases were made online, so I didn't need a physical card with me, and I didn't realize that my card was missing. I reported those transactions to Discover as soon as I found out on XX/XX/XXXX. They sent me a new card a week later. Two months went by, I called Discover on XX/XX/XXXX to check on the status, and they told me that the fraud investigation had been closed, and they did not have a reason.
Consumer complaint received 2022-04-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC (CO)

American Coradius International LLC sent a letter addressed to me. It says I owed on a XXXX account XXXX and {$170.00} was paid or credited toward the debt. It states, " Total amount of the debt now : {$590.00} '' The letter is dated XX/XX/2022. 

This is NOT my XXXX account, nor did I have a purchase of this amount.
Consumer complaint received 2021-07-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2021-07-09
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: LEXISNEXIS (GA)

On XX/XX/XXXX I sent a letter to Lexis Nexis requesting information on their process of sharing data when a consumer has a security in place and has opted out of all of its data sharing services. I requested that Lexis Nexis response via XXXX mail delivery within 14 business days. As of XX/XX/XXXX Lexis Nexis has yet to respond to my request. I am in the dispute process with XXXX XXXX, and XXXX  about an inaccuracy on my consumer credit report that continues to be validated by Lexis Nexis. This is concerning to me because as stated previously, I have opted out of all data sharing with Lexis Nexis and I have had a security freeze in place since XX/XX/XXXX. It is imperative that Lexis Nexis explain their process of sharing information on a consumer that has opted out of data sharing and has a freeze in place.
Consumer complaint received 2021-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY (NC)

I forgot to add my American Express XXXX card to my monthly budget sheet and therefore, forgot to make some payments. In XXXX, I began to receive phone calls that I did not recognize ( I'm still not sure if this was AmEx or not ). On XXXX, my brother in law texted me " I'm sure this is a scam, but just so you know, someone claiming to be from American Express keeps calling my number saying that you need to call them. I didn't even confirm that I know you because I'm pretty sure it's a scam but just so you know that they're doing that. You might need to warn other friends. '' Then on XXXX my sister in law sends me a text and a voicemail. In it the person says they are " looking for '' ( my full name, middle name included ). 
I have never given AmEx my family 's name or any of their phone numbers, which means they ( a ) cross referenced their database to find people I might know ( b ) called them and provide them with my full name ( c ) divulged my personal information. 
In short, they used their data base to divulge my personal information to other people ( aka, not a spouse ). I would like to file this complaint for the reasons I've listed.
Consumer complaint received 2020-07-06
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. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible XXXX XXXX {$570.00}
Consumer complaint received 2020-06-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (KS)

Navient refused to accept my payment in 2014 filing a claim for {$19000.00} and then putting me into a new loan with a principal balance around {$24000.00} by charging a 25 % collection fee.