davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc (WA)

My wife and I use The VENMO app owned by Paypal Inc. XX/XX/XXXX my wife XXXX had her Venmo acct frozen. 
she called Venmo and they said problem with our XXXX XXXX Bank. She called them and they said it was a VENMO issue. She called Venmo back and they said it was an issue with my Venmo acct. My account was then Frozen and we both started communicating with what we thought was a VENMO Tech team. 

They told us that our IP address was on several servers around the world and before we could use VENMO again we had to get our IP address off these bad servers. In order to do this we needed to combine all our Money that was in our XXXX XXXX accounts into one account and wire it to a Bot to hold money safe temporarily while they got access and cleared the severs of our IP address. 

We also had to XXXX money to a made up person to gain some type of temporary access in order to do this work. 

We made two wire transfers and 3 XXXX transfers. The wire transfer were done on XX/XX/XXXX {$20000.00} and XX/XX/XXXX for {$21000.00} to bots as well as 3 XXXX transfers. The money was supposed to come back to us in 3 days. Before we agreed to transfer money I had them send me photo VENMO ID Badges and they gave me two VENMO receipts for the two wire transfers. There was no reason to think this was a scam because both our VENMO accounts were frozen and we had dialed the VENMO number and had receipts for the money. 

On XX/XX/XXXX the day after the 2nd wire I tried to contact VENMO through a chat and we were cut off, then the next day did a chat again and I sent them Screen shots of the Two IDs card, wire transfers and Bot addresses of sent money. I ask them for help and wanted to know if this was fraud. They still have not told us the answer. 

I started getting concerned and decided to contact VENMO in a chat and they said our case had been pushed to a higher level and that seemed reasonable to me. I sent about two dozen emails to VENMO pleading with them to tell us if these people worked for them. I did not get any answer but it would be 7 days to 21 days before they would respond to my plea for help. On XX/XX/XXXX we finally went to XXXX XXXX Bank and they told us this was not fraud to them and all they could do is a recall for the two wires. We still have not heard what has happened to the recall. 

We believe VENMO is responsible and are asking for them to return our life savings to us. We are both XXXX years old took reasonable steps to identify these people working for VENMO and when I sent screen shots and pleaded for help they ignored us. We also feel that XXXX XXXX has some responsibility to help us with the fraud.
Consumer complaint received 2022-09-13
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: OPTUM BANK, INC. (CO)

Optum bank charged my account for {$100.00} on 3 seperate occaisions. XX/XX/2022, XX/XX/2022, and XX/XX/2022. Then teice for {$200.00} on XX/XX/2022 and XX/XX/2022. Ive filed disputes with them to no avail.
Consumer complaint received 2022-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (GA)

This account was reported on my credit file XX/XX/2022 The amount is XXXX. 
I have disputed this information, and nothing changed from the disputed. This is not my account. 
Procollect INC. is the company.
Consumer complaint received 2020-08-21
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (TX)

Freedom Mortgage is refusing to provide us with our payoff amount until the last possible date required by law. This appears retaliatory in nature due to us having to file complaints in the past for their failure to properly pay two years of taxes and our attempt to refinance away from their company. 

Our new lender reached out to them onXX/XX/2020 and were told they could not utilize the automated request and had to email the request to get our payoff amount and then their request was not processed. When contacted and asked why, the company reported that they filed it as a duplicate request with the online request submittedXX/XX/20. The lender asked the title company to attempt to obtain the payoff. The title company called onXX/XX/20, the Freedom Mortgage representative said " sure, I can get that right over to you, what is the account information? '' After the account information was provided the representative said " there is a note on the account indicating that it can not be provided untilXX/XX/20. '' No further reasoning or justification was provided. The title company and the loan officer have submitted other payoffs to this company after ours and have already received them back. This was so out of the ordinary that the title company reached out to to the lender to let us know this is the first time, in dealing with Freedom Mortgage specifically, it has ever happened. 

We reached out directly to get the pay off amount, which in all the loans we've ever had has been easily found, and were told " we are legally allowed seven days before providing that information. '' They have made no statements or indications as to the technical reasons why in 2020, where all lending is computerized, a lender does not have that information readily available at all times or why this information can not be generated for us. 

It is these kind of predatory and underhanded tactics that have pushed us for the first time in five mortgages to refinance away from a lender. Now, rather than allowing us to leave, they're taking as long as legally required to make us wait until they can create some other roadblock to slow down our escape. Lastly, they have left us with an inadequate escrow balance after they used our escrow account to pay for penalty and legal fees ( {$680.00} ) related to delinquent taxes they failed to pay despite their promises to cover the fees ( reference previous reporting to CFPB that they covered these fees ). This company has a history of poor escrow handling and consumer financial transactions!
Consumer complaint received 2019-06-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP (RI)

On XX/XX/2019 at approximately XXXX XXXX, I was reviewing my account online and saw two unauthorized charges one for {$190.00} and one for {$220.00}. The charges were transfers out of my account via XXXX, which I do not use to a person I do not know. I immediately called the bank and began the fraudulent transaction process over the phone. I had them capture my debit card and send me a new one. 

I have had no communication from the bank since then and I currently do not have my funds returned or any of the fees that they have charged after returning the items that the {$410.00} were meant to cover. I called the customer service phone number at the end of the first week and all they could tell me was that it was in process. I was able to find a direct number for the fraud department and I called, but the greeting was recorded to dissuade customer 's from speaking with someone. The number is XXXX, I suggest that you listen to the message. The message basically says they have 10 business days and there would be no information available prior to that. 

Today is the 10th business day and since I do not have my funds returned and available for my use and these are definitely fraudulent transactions they are in violation of REG E. This act of fraud against me has certainly caused me much hardship. I have had to contact the creditors that I had paid with these funds. I have had impact to my standing with them and I have returned check fees and late fees that are now applied to my account. I have had to borrow money from family and friends to make ends meet and I am getting collections calls and emails even after contacting my creditors. 

An event that is already awful was made worse by the callous, uncaring, and very unfriendly customer process with this bank. Key Bank did not handle this well at all and once this is resolved, I will be leaving.
Consumer complaint received 2021-02-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cawley & Bergmann, LLP (NY)

I am being wrongfully pursued by a debt collector Crawley & Bergmann about a federal judgment made against the net winners of XXXX ( Bell vs. Disner ). They are threatening to put a lien on me if I do not pay. I have no association with this website. My ss # was stolen to open an account with them. 

The steps I have already taken : 1. Opened a police report 2. Filed with identitytheft.gov 3. Frozen my credit I have also sent the debt collectors all the reports as well as a letter stating that they have the wrong person. Regardless, they continue to harass me for payment because of the judgment.I basically need the judgment vacated due to identity theft/mistaken identity.
Consumer complaint received 2024-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I wish to exercise my right of erasure under data protection law. 
I DID NOT and will never give you consent to us any of my personal or professional data. The data that you currently have of mine was illegally collected with out my consent. 
You can find guidance on your obligations under information rights legislation on the website of the XXXX XXXX XXXX ( XXXX ) as well as information on their regulatory powers and the action they can take. 

Please send a full response within one calendar month confirming if you will comply with my request. If you can not respond within that timescale, please tell me when you will be able to respond.
Consumer complaint received 2020-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

I have written to National Credit Systems several times on 2 different accounts pointing out that their reporting of this alleged debt on my credit report is inaccurate. National Credit Systems continues to report this inaccurate and unverifiable information. 
Account XXXX Account XXXX
Consumer complaint received 2020-07-20
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. (MO)

Equifax and XXXX are not researching and properly reporting that the following accounts are in fact in dispute. XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes so the bureaus will investigate my complaint. ) The collection account listed is reporting account not disputed on my credit report. I have requested multiple times that this account be investigated and put in dispute. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are in dispute.
Consumer complaint received 2021-11-03
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. (MS)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX-XXXX  XXXX  XXXX on XX/XX/XXXX ;
Consumer complaint received 2019-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

I was trying to get a personal loan, and the bank came back notifying me that I have a freeze. So I called Equifax first because I assumed it would be with them since my XXXX XXXX app showed Equifax not updating for some time now. When I first called, the representative I spoke with had told me that there was no freeze which shocked me. So I ended up going to the other bureaus and the freeze was not with them either. So I called my bank representative back and told them that all three bureaus had said that my accounts were not frozen, so i am not sure what to do now. So the bank rep did a little more digging and reached back out to me letting me know that the freeze is showing up at Equifax. So I called back and spoke with another rep, I told them that i just called and was told that my account wasn't frozen, but my bank rep was saying that i do have a freeze with Equifax and I need to get it lifted. So I went through the process again of giving them all my info and now they are telling me that they can't tell me if my account is or is not frozen and I am being required to send in additional info to prove my identity. I get the fax number from the rep and verify all the required info and I asked how long it will take. They tell me that it will take 3 - 5 business days. So I reach back out after 8 business  days to give it a little more time and they tell me that they haven't received anything from me. I asked them if there was an office I can go to in person because this is now getting very frustrating and they tell me no, that I can either re-fax it or send it by mail. Well I told them I don't feel comfortable mailing all my personal info and I am not going to re-fax it because it obviously doesn't work.
Consumer complaint received 2017-01-27
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (OK)

I received this email from what appears to be Wells Fargo. I believe it is some type of fraud. I do not have an account with Wells Fargo nor do I want one because of their business practices. I am going to also submit a complaint on FTC site. I just wanted you to know. 
I will attache the saved word doc that has an additional image when you highlight the email to copy and paste. 
From : " Wells Fargo Online '' XXXX Sent : Friday, XX/XX/2017 XXXX Subject : New Update From Wells fargo Online Banking wellsfargo.com Important New Information About Your Account Dear Valued Member, We noticed invalid login attempts into you account online from an unknown IP address. 
Due to this, we have temporarily suspended your account. 
We need you to update your account information for your online banking to be re-activated please update your billing information today by clicking here XXXX After a few clicks, just verify the information you entered is correct. 
Sincerely, Wells Fargo Member Services Team P.S. The link in this message will be expire within 24 Hours. You have to update your payment information wellsfargo.com | Fraud Information Center Please do not reply to this automated email. 
XXXX
Consumer complaint received 2020-08-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Recovery Solutions, LLC (DE)

I pulled my credit reports today, XX/XX/2020 to find I have a collection listed on my reports by Asset Recovery Solutions LLC for account # XXXX. Upon further research I found this was a debt purchased from XXXX XXXX. I was not notified of the attempt to collect a debt prior to it appearing on my credit report. I am willing to offer a settlement of {$120.00} with acknowledgment that acceptance of this offer will settle the account, stop all collection efforts, and will be removed from credit reporting bureaus. FCRA guidelines were not followed on notifying me in timely manner of the debt to allow me time to investigate and dispute if needed. I attempted numerous times to dispute this to no avail. If the settlement is acceptable, payment will be issued immediately. I must receive written notice that this debt will be removed from all credit reports and settled with original debtor if need be. Again, It will be acknowledged the debt to be removed and considered paid in full and can not be sold to another third party. Failure to respond will mean you do not accept this offer.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2018-06-29
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. (GA)

I PULLED MY CREDIT REPORT FROM EQUIFAX AND DISCOVERED THERE WE'RE 3 ACCOUNTS ON MY CREDIT REPORT THAT WAS NOT MINES AND ONE HAD REACHED THE 7 YEAR MARK, I DID AN ONLINE DISPUTE, WHEN THE RESULTS CAME BACK ONLY ONE ACCOUNT WAS DELETED AND THE OTHER 3 REMAINED SAYING THEY WERE VERIFIED. I CONTACTED EQUIFAX BY PHONE AND THE REP I SPOKE WITH I EXPLAINED TO THEM ONE OF THE ACCOUNTS REACHED THE 7 YEAR MARK AND TO PLEASE REMOVE ( XXXX XXXX XXXX ) THE REP REFUSED TO REMOVE. THE OTHER ACCOUNT FROM XXXX & XXXX XXXX I HAVE NO CLUE WHAT THIS ACCOUNT IS. THE REP REFUSED TO DISPUTE THE ACCOUNT AGAIN I ASKED THE REP WHAT KIND OF VERIFICATION DID THE COMPANY SEND AND THE REP PUT ME ON HOLD, CAME BACK TO THE PHONE AND COULD NOT PROVIDE ME ANY EXPLAINATION AS TO WHY AND HOW THIS ACCOUNT WAS VERIFIED. EQUIFAX ARE NOT FOLLOWING THE PROPER PROCEDURES UNDER THE FAIR CREDIT REPORTING ACT. THE COMPANIES CAN'T PROVIDE WITH ME ANY ACCURATE INFORMATION SO HOW ARE THEY VERIFYING THAT THESE ACCOUNTS BELONGS TO ME. I WANT THESE ACCOUNTS DELETED OFF MY CREDIT REPORT FOR FAILURE TO PROPERLY VERIFY THAT THEY BELONG TO ME, AND THE UNIVERSITY HEALTH HAS REACHED THE SOL AND NEEDS TO BE REMOVED
Consumer complaint received 2021-01-20
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: SYNCHRONY FINANCIAL (TX)

Sunday, XX/XX/2021, I applied for XXXX XXXX XXXX through Synchrony. The application was definitely submitted. There was absolutely a hard inquiry into my credit, but I received no correspondence, email or physical mail, from either XXXX or Synchrony until today, Wednesday, XX/XX/XXXX. I received a letter in the mail that says that my request for financing was denied. The reason specified was " High risk source of application ''. I have no idea what this means. I called Synchrony and they told me to call XXXX. XXXX told me to check my credit report and call Synchrony. No one would provide me with an explanation and looking at my credit report did not explain anything. No one will give me answers. They just keep telling me to call the other company. I was never given a reference, account or application number. Never received any correspondence except for the letter of denial. I am concerned there may be something wrong. No one will tell me what " high risk source of application '' means.
Consumer complaint received 2024-02-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing to formally dispute the inaccurate reporting of late accounts on my credit report, which violates compliance with the law. Despite numerous attempts to rectify the situation, the late accounts remain inaccurately reported. This not only undermines my creditworthiness but also violates consumer protection laws. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (MO)

This happened mid XX/XX/ 2018. I either made a payment or Citi auto drafted a payment, something was miscommunicated with XXXX XXXX XXXX  and the payment returned. Citi automatically redrafted the payment and apparently XXXX XXXX XXXX rejected. I woke up to an email that said Citi shut down my account without any notice at all. They didnt give me the opportunity to clear it up even though it was all on them and their communication with XXXX XXXX XXXX. I used this card for absolutely everything it was my only card that had any sort of real limit and has put an incredible amount of stress on my family and I, this was 2 weeks before my son was XXXX.