davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TN)

Venmo is a scam as soon as I did receive money to my account they did freeze my account although before my account was verified with SSN and personal details I was asked to submit my ID document which I did! 
on the XXXX of XXXX I did receive an email that my account is now verified again and unfrozen I then received another transfer from a friend who send money for my baby shower party and tried to withdraw the money all the sudden ACCOUNT FROZEN AGAIN NOW IT SHOWS ON MY ACCOUNT I DID VIOLATE USE POLICY! WHAT A NONSENSE! VENMO SUPPORT ARE XXXX AS SOON AS MONEY GOES INTO AN ACCOUNT THEY BLOCK IT! 
VENMO STOLE {$3000.00} USD FROM ME. LAW ENFORCEMENT MUST TAKE ACTION AGAINST THESE SCAMMERS!
Consumer complaint received 2017-11-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

Never received any communication from XXXX XXXX ... then I get hounding from Portfolio Recovery..also received one letter .. thats it .... Now I am getting inquiries from the XXXX XXXX in XXXX..XXXX XXXX XXXX..again with very little information. I answered the initial letter from XXXX XXXX XXXX..stating I am disputing the debt.. asked for all of the appropriate documents as stated..including signed credit agreement..how PRA came to own the debt..or does XXXX XXXX XXXX own it.. 

The companies have not, in my opinion, working in good faith. Since I am retired, all my income is from SSI and state retirement..exempt..own no savings. I am talking with a bankruptcy attorney.
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (TX)

Upon investigating the potential of my personal information, my identity itself, of being exposed to the recent Equifax breach it was indicated that my information was indeed placed at risk by the breach. I did not feel comfortable signing up for a repair service offered by the very company that allowed the breach to take place and am leery about the terms of agreement regarding this service potential to smuggle agreement of non-action against Equifax. I feel this concern is warranted considering the potential unethical dumping of company stock shortly before the announcement of the breach a full month after the breach actually occurred.
Consumer complaint received 2021-09-11
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. (TX)

I sent all three credit bureaus verification request. Request came back verified. I'm not sure how. I contacted portfolio recovery requesting debt validation. They failed to properly validate and did not sent back the 5 items listed in my letter. Instead they began to send me collection notices. I sent notice to the credit bureaus but still they keep reporting this debt collection on my report. I sent a 3rd request to XXXX XXXX to validated the debt as the credit bureau, XXXX specifically, advised me that portfolio recovery had to send me what they used to validated the debt. Again they did not send all items listed including a contract. I even contacted capital one the company they are collecting for they were not able to locate the account.
Consumer complaint received 2018-03-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Jim Bottin Enterprises, Inc (AZ)

I am writing to file a complaint about XXXX XXXX and XXXX XXXX because they are knowingly charging me for two accounts and I only have one which should have been cancelled in XX/XX/XXXX.  And, they are leaving me 2-3 voicemails a day saying that my account is past due {$45.00}. XXXX refuses to waive the supposed late fee and wants me to pay an additional {$45.00} in addition to be double charged. Likewise, they will not cancel the open account until I pay that. In the meantime, they have charged me over {$200.00}. 

I have called XXXX and XXXX XXXX XXXX and they have not taken any action to resolve the issue. XXXX said I made an error by signing up online and in the gym, but their employee to pay online. So they say this is my fault not theirs. I obviously do not agree. The deposit which you can see on my account was {$1.00} and then I paid online as instructed. It is also nonsensical to have two gym memberships for one person. Therefore, they are knowingly participating in fraud. XXXX XXXX promised 3 times merge the account, correct the billing, and send a refund. And, they debited my checking account again today XX/XX/XXXX and continue to call me and ask for {$45.00}. 

I am asking for the return of funds of {$130.00} for duplicate dues and charges and for them to stop debiting my account.. Here is the accounting for the duplicate charges. 

Transaction History Institution : XXXX XXXX XXXX XXXX | Switch Account | Print Actions Description / Notes Date / Age Flags Category Merchant Amount Account / Number ACH Deposit XXXX XXXX XXXX - ACH Trace XXXX - DATA : XXXX CO : XXXX XXXX XXXX - TYPE : CLUB FEES ID : XXXX XX/XX/XXXX today XXXX {$24.00} STANDARD XXXX ... 
XXXX ACH Withdrawal XXXX XXXX XXXX - ACH Trace XXXX - DATA : XXXX CO : XXXX XXXX XXXX - TYPE : CLUB FEES ID : XXXX XX/XX/XXXX 19 days ago XXXX ( {$24.00} ) STANDARD XXXX ... 
XXXX ACH Withdrawal XXXX XXXX XXXX - ACH Trace XXXX - DATA : XXXX CO : XXXX XXXX XXXX - TYPE : CLUB FEES ID : XXXX XX/XX/XXXX 47 days ago XXXX ( {$64.00} ) STANDARD XXXX ... 
XXXX Bill Pay Withdrawal # XXXX XXXX XXXX XXXX AZ XX/XX/XXXX 60 days ago XXXX ( {$19.00} ) STANDARD XXXX ... 
XXXX XXXX XXXX XXXX XXXX XXXX AZ - Date XX/XX/XXXX XXXX XXXX - Card Withdrawal XX/XX/XXXX 76 days ago XXXX ( {$1.00} ) STANDARD XXXX ... 
XXXX Bill Pay Withdrawal # XXXX XXXXXXXX XXXX XXXX AZ XX/XX/XXXX 87 days ago XXXX ( {$84.00} ) STANDARD XXXX ... 
XXXX XXXX XXXX XXXX XXXX XXXX AZ - Date XX/XX/XXXX XXXX XXXX - Card Withdrawal XX/XX/XXXX 104 days ago XXXX ( {$1.00} ) STANDARD XXXX ... 
XXXX XXXX XXXX XXXX XXXX XXXX AZ - Date XX/XX/XXXX XXXX XXXX - Card Withdrawal XX/XX/XXXX 104 days ago XXXX ( {$4.00} ) STANDARD XXXX ... 
XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2017-11-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: HSBC NORTH AMERICA HOLDINGS INC. (OH)

Hello, Yes, I took out a loan with HSBC back in 2005, which I have not paid back in full, but have since found that fraud occurred with HSBC charging me a higher interest rate than was allowed, due to the rigging and of Libor interest rate. 

The loan was through XXXX XXXX in XXXX, Ohio. 

Thank you.
Consumer complaint received 2018-03-19
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. (GA)

XXXX XXXX is reporting inaccurate information to TransUnion and XXXX. First of all, the original and actual loan date was XX/XX/XXXX. In other words, the actual Date Opened calendar year was XXXX, over 12 years ago, not XXXX as inaccurately indicated on our credit reports. QUESTION : Is the incorrect Date Opened XX/XX/XXXX a result of erroneous reporting from XXXX participation in the XXXX TARP bailout program? For Your Information : TARP was the Troubled Asset Relief Program initiated by the U.S. Government in XXXX to fund billions of dollars into financial institutions such as XXXX to restore liquidity due to excessive volumes of risky subprime lending and 2nd mortgages. In addition, the actual and correct Balance on this account was {$65000.00} not the incorrect exorbitant amount ( s )  indicated on this report. Also, the property associated with this account was sold in XX/XX/XXXX. However, even though we sold the property and no longer own the property, almost 10 days after the property was sold in XX/XX/XXXX, this adverse account appeared on our credit reports. Just to be clear, our goal is to maintain correct and factual information on our credit reports to avoid further negative financial consequences.
Consumer complaint received 2017-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (CA)

On my XXXX and XXXX credit report, A credit collection agency is reporting a Two debts ( {$720.00} & {$280.00} ) that was included in my bankruptcy as collection accounts and money that I still owe. XXXX is reporting this as being included in my bankruptcy with {$0.00} being owed.
Consumer complaint received 2016-12-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: OLD NATIONAL BANCORP (MT)

XX/XX/XXXX I started contributing $ XXXX check to my XXXX account XXXX about $ XXXX. I never opted for electronic statements only, and never was told about a {$2.00} paper statement fee XXXX nor was I charged for XXXX until XX/XX/XXXX ). XX/XX/XXXX, I moved from my old residence XXXX, XXXX XXXX, MT XXXX to XXXX Spruce Court, XXXX XXXX, MT XXXX and did not update my mailing address with XXXX XXXX Bank. They began charging me a {$10.00} fee for having my XXXX returned to them, and continued to charge this fee until XX/XX/XXXX. I checked my account to see the balance on XX/XX/XXXX after making a purchase and learned of the fees. The following day, I called XXXX XXXX Bank to see if we could find some resolution, and the representative said they would only give back XXXX fees ( {$20.00} XXXX. I was not satisfied and called back. After much argument, they offered to give me {$80.00}, but I still was n't satisfied because this was n't a mistake where the account insufficient funds or was in a delinquent status. My mailing address was wrong and my statement was returned to the bank. They did not call or email me at any time, despite having my contact information. I only got XXXX emails from XXXX XXXX - XXXX to verify online enrollment and another to tell me about an update to their website. Total fees are {$180.00} dollars.
Consumer complaint received 2021-07-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

I am very unhappy with the credit bureaus. They are not doing their job at all. Back in XXXX of this year I submitted disputes with them on collections that should not be on my reports. XXXX XXXX is past 7 years on both accounts. XXXX XXXX XXXX XXXX should have never been on my report that was reported in total error, XXXX XXXX XXXX XXXX. I do not owe them any money since the place was already lease before I even move out.. I do not understand why this is XXXX and I still have not heard a word from any of the bureaus regrading these issues. The disputes I sent were very clear on what I wanted done and who they were what more do I have to do to get this resolved?
Consumer complaint received 2017-11-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

Equifax is reporting an auto loan that was opened due to identity theft. The account is under my name and social. The account is from creditor XXXX XXXX XXXX ( XXXX ) with the balance of {$17000.00}. This account was opened after I experienced identity theft and I have provided a previous police report to dispute this matter.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I looked at my credit report on, and noticed some things are incomplete and not accurate. I sent a letter to Experian and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. They are breaking the law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 15 USC USC 1681i ( 5 ) it states that this ( 5 ) Treatment of inaccurate or unverified information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

This is unfair and if they are doing this to me imagine who else they are doing this too.
Consumer complaint received 2021-05-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (MI)

They call me at least 10 times a day and leave me several messages. I have told them not to call me and asked for debt validation and proof of debt. They have not complied with any of my request but still continue to call me several times a day from all different numbers and leave voicemails. I have screen shots for proof of all the calls and and i have saved the voice mails and I even have a recording of the call where i asked for all of the validation and to have them stop calling me.
Consumer complaint received 2018-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (SC)

On XX/XX/XXXXa letter was sent ( received on XX/XX/XXXX ) to us from Freedom Mortgage stating that we are required to have wind and hail insurance for our property at XXXX XXXX XXXX   We immediately complied and purchase a policy from XXXX. Then onXX/XX/XXXX a letter was sent ( received on XX/XX/XXXX ) to us from Freedom Mortgage stating that we needed to verify wind and hail coverage from XX/XX/XXXX-XX/XX/XXXX. If we were unable to verify coverage, Freedom Mortgage would buy a policy for us, paying for it via our escrow account. We do not see how it is possible to purchase a policy for last year and be charged for a non-service. We also deem it unnecessary considering the year has passed and we do not have any claims for that time period.

Freedom Mortgage bought our loan from XXXX XXXX and up until receiving the first letter on XX/XX/XXXX we were unaware that we were required to have wind and hail insurance. Upon receiving the second letter on XX/XX/XXXX we contacted Freedom Mortgage about this issue. Freedom Mortgage admitted that it was their oversight that we did not have wind and hail coverage. We believe that it is unfair for us to pay for a mistake made by Freedom Mortgage.

On XX/XX/XXXX Freedom Mortgage will purchase a wind and hail policy for XX/XX/XXXX-XX/XX/XXXX using our escrow. We are disputing this charge. It is unfair because we were never informed prior to XX/XX/XXXX that wind and hail insurance was required.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
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
Consumer complaint received 2018-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (WA)

Approximately four or five mos ago attempted to order my annual credit report from all three agencies online as has been done w/o problem in years past. I couldnt get access online and was prompted to try via phone. I thought they were successfully ordered but apparently they werent or they hit a hiccup. Revisited the site and got the form to mail in, that was approx three mos ago. I heard back from XXXX  only, requesting a bunch of prove-you-are-you data. XXXX phone was answered by someone I couldve imagined running drugs as a second job. I can get an outline of a current report via an online credit /identity monitoring service but this isnt what Im used to and whats going on in this pit of darkness? I dont believe they have to worry too much about lawsuits ( because corporations are people and the individual is lesser than a person ) so what appears to be hypercaution may not be so which is concerning.
Consumer complaint received 2017-11-25
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: JPMORGAN CHASE & CO. (IN)

I have utilized XXXX XXXX for over one year and in that time have had numerous hard inquiries put on my credit by an unknown person using an old address of mine. I 've contacted each credit reporting agency, the sheriff Dept, and the ftc and " no one can do anything about it ''. The credit inquiries continue despite multiple fraud alerts placed on my credit and the companies refuse to remove the inquiries despite my insistence that my credit is being fraudulently used. 
I will soon be obtaining legal counsel for this issue if it can not be remedied. Thank you for your assistance in this matter.
Consumer complaint received 2017-11-25
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: SYNCHRONY FINANCIAL (IN)

I have utilized XXXX XXXX for over one year and in that time have had numerous hard inquiries put on my credit by an unknown person using an old address of mine. I 've contacted each credit reporting agency, the sheriff Dept, and the ftc and " no one can do anything about it ''. The credit inquiries continue despite multiple fraud alerts placed on my credit and the companies refuse to remove the inquiries despite my insistence that my credit is being fraudulently used. 
I will soon be obtaining legal counsel for this issue if it can not be remedied. Thank you for your assistance in this matter.
Consumer complaint received 2023-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

Reaching out regarding our property at XXXX. We were contacted through mail to procure flood Insurance from Lakeview. We were out of town due to the Hurricane that impacted our home. Once we were home and received the letter we were 30 days out from the time we needed flood insurance. We procured flood insurance as fast as we possibly could and found that it takes 30 days to kick in since its a flood policy. This is standard for any flood policy. It is impossible for us to get coverage before the 45 days. 

My concern is the following - Our home is not in a flood zone. We had to pay {$1000.00} for a surveyor to come out and prove that it is not. They have proven this, now they have to go to FEMA to get the official XXXX. This is standard and take 90-120 days. Again impossible for us to provide in 45 days. Now I have to pay more right after paying {$8000.00} in repairs to our home from a hurricane. 
- I opened a flood policy for {$900.00} to simply appease the ridiculous request to get flood insurance. Now Lakeview ha
s told me that they purchased one that starts XX/XX/23 for {$3600.00}. The one we bought doesnt kick in until XXXX because of course this is standard and takes 30 days to kick in. 
- When I contact Lakeview to explain how ridiculous this situation is all they can say is there is nothing they can do because it is what the system does. 

In summary, this home does not need flood insurance it is not in a flood zone. I understand you have to follow a ridiculous law that is unfair to the homeowner and provide a LOMA which is what we are doing and we procured insurance in the meantime. I have paid enough! All I ask is for Lakeview to not pull an additional policy that goes in effect XX/XX/23 for me to pay as well. This is absolutely insane, and taking advantage of home owners who can not afford to willing throw XXXX out the window for absolutely nothing because again we are not in a flood zone.
Consumer complaint received 2023-02-07
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. (NY)

i went to a car dealership to and they said they would only be using kia now there are over five hard inquiries on my credit report. 
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 I also applied for a credit card with XXXX now there are hard inquiries i dont know where they came from i listed the accounts above.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX hard inquiries listed below were attempts on my Transunion credit report on XX/XX/2023 and XX/XX/2023 - I notified Transunion of this faudulent activity via phone calls back in XX/XX/2023, I was informed at that time these XXXX faudulent inquiries would be removed immediately, but they STILL remain on my credit report. 


XXXX XXXX. XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX