davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OH)

My problem is simple : on XX/XX/XXXX an unauthorized transfer of {$200.00} was made from Venmo to go to my daughter XXXX which she never received. I only know this because the transaction showed up on my XXXX XXXX account as a transaction from Venmo. My daughter doesn't even keep the Venmo app active on her phone unless she is expecting to make or receive a transaction. Instead of Venmo correcting the error and returning the funds to my account I talked to a Venmo rep who said she needed my daughter to call to say the transfer was not received and was not requested by her. She did so. Then we called together to explain and were told the money would be replaced on XX/XX/XXXX. 

We called Venmo again and were told the money went to her XXXX XXXX account. It did not ; she transferred the money back to me via Venmo at XXXX on XX/XX/XXXX. She had to download the Venmo app to do so, which she did.The {$200.00} has not been returned, we've talked to several representatives none of whom seem to be able to correct this error or even explain how it happened. And we get a different story every time. First I was told this unauthorized transaction may have happened accidently if my phone was unlocked in my purse similar to XXXX XXXX XXXX XXXX someone. Then a rep told me I tried twice on XX/XX/XXXX to send the {$200.00}. I never authorized any payment to my daughter and we have spoken to Venmo separately and together to get this resolved. I mentioned this mysteriously happened once before in XXXX. I simply got in touch with Venmo, they reversed the transaction, charged me a transaction fee and that was resolved. I disputed the fee and that has never been resolved. Now, I had to get " permission '' from my daughter for the money to be returned, she had to verify who she was before they could accept her " permission, '' and on and on. Plus, Venmo has NO NOTES on all of these calls so we have to start from the beginning each time we call or I write to the company. There is no trail of information about unauthorized payment. When I asked, what if the recipient had not been my daughter but a stranger, would I have had to get the stranger 's permission for Venmo to correct the error? I get no response to that question. The final email I received said my case was denied because the {$200.00} transaction was not unauthorized! 

I need my {$200.00} put back in my account. It is causing me to have to monitor my account daily to keep from being overdrawn, which is now likely to occur before the month 's end.
Consumer complaint received 2022-04-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-04-22
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Neighborhood Assistance Corporation of America ("NACA") (TX)

I'M SORRY THIS ISN'T ABOUT A MORTGAGE. I'VE BEEN TRYING TO GO THROUGH Neighborhood Assistance Corporation of America ( AKA NACA ) SINCE EARLY 2021. I'M IN A PUBLIC HOUSING PROGRAM WITH A HOUSING VOUCHER WHICH NACA WAS WELL AWARE OF. IF I CAN NOT USE MY VOUCHER TOWARD THE PURCHASE OF A HOME, I CAN NOT AFFORD TO PURCHASE A HOME. I WAS TOLD BY NUMEROUS NACA EMPLOYEES THAT I COULD IN FACT USE MY VOUCHER WHEN IN FACT I CAN NOT AFTER ALL. I'VE PAID {$25.00} FOR THE MEMBERSHIP FEE THEY REQUESTED ALONG WITH MONEY TO PULL OUR CREDIT. NACA HASN'T DONE ANYTHING FOR US, THEY NEVER RETURN CALLS OR ANSWER EMAILS. I'VE REQUESTED A REFUND OF MONEY I'VE GIVEN THEM WHEN ALL ALONG I COULDN'T BUY A HOUSE THRU THEM AFTER ALL. THEY'RE INGORNING MY REFUND REQUEST. I JUST WANT MY REFUND OF {$56.00}. I'M ON XXXX AND LIVE ON A LOW FIXED INCOME I CAN'T AFFORD TO JUST DONATE MONEY TO BIG ORGANIZATIONS AND THAT'S WHAT THEY'RE TREATING MY MONEY AS. I WANT MY MONEY BACK BUT THEY'RE IGNORING ME.
Consumer complaint received 2022-04-22
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Report act XXXX Account # XXXX,, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

In XX/XX/2017 I file XXXX XXXX bankruptcy it was XXXX in XX/XX/2017 but XXXX XXXX XXXX keeps reporting negative even though there is no debt owe anymore yet its being reported in my credit report as late
Consumer complaint received 2022-04-22
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. (FL)

I have hard inquiries that was not made by me or authorized by myself could be related as fraud Transunion XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-04-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRUIST FINANCIAL CORPORATION (VA)

I filed a complaint with cfpb about truist and failing to apply a payment I made on a credit card they still havent applied this payment. I also told them to stop calling me unles it was in regard to this payment. 
They have called me 2 to 3 times a day and its not even about the payment they have upped the harassment calls.
Consumer complaint received 2022-04-22
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. (GA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXXXXXX 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 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 XXXXXXXX -Untitled { Medical Subject has not satisfied debt., XXXX, XXXX } XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-22
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: Experian Information Solutions Inc. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-04-22
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I saw some inquiries on my TransUnion and XXXX credit report. I sent them a letter in XX/XX/2022 to investigate the unauthorized inquiries on my credit report.. They said it is correct. I called them both the TransUnion and XXXX in XXXX and in XX/XX/2022. They said they can't remove the hard inquiries from my credit report. There are 4 unauthorized inquiries on my TransUnion report and 2 unauthorized inquiries on my XXXX report.. They said they can't help me with. It ' is having a bad effect on my credit report.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Self Financial Inc. (AZ)

Self.inc total amount {$740.00} not sure the date and time. 
On my credit report it says I owe the Self.inc stating that I signed up and was sent a credit card which I did not receive, I've been trying to get a hold of them but no response on neither on my email and phone. So please help me report this and fix this situation it's hard for me to figure this out and I dont want this to continue at all. Please help me clear this. Thank you so much.
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXXXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-03-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXX I had a XXXX dollar deposit to my Bank of America checking account XXXX XXXX XXXX XX/XX/XXXX the money disappeared and went to XXXX then I had contact the bank then went to the bank and they had no answer other then it was overdraft fees I had a trademark that I paid for but never used it was from XXXX for music that I never submitted. The recent credit report shows that I am liste under. XXXX I am XXXX a woman mother and I also would like to know why my Bank account at XXXX XXXX has a deposit for over {$7600.00} and now he fud are on hold I had a withdrawal tht was not authorized at XXXX XXXX XXXXXXXX  for XXXX and after speaking with them they said there was a month that I did not have the vehicle regardless if I don't even have a overdraft line how can there be a transaction that I never signed for. Can you please advise me what to do so that I don't have any problems identifing myself for purposes of unemployment and any other credit matters XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX phone number is XXXX Please respond promptly
Consumer complaint received 2022-04-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NAVY FEDERAL CREDIT UNION (MD)

I am a victim of Navy Federal attempting to collect a dept. They have taken hold of my accounts including the exempt one which is an CD/IRA that belongs to my kids. I have filed a complaint with consumer financial bureau, XXXX, FTA and I also filed a motion with the court on XX/XX/XXXX for my assets to be released. The judge ruled in my favor and they have refused. They have scared me, bullied me, refused to speak to me and using abuse of power to take my funds to pay of a credit card I accumulated during the pandemic. I am not the only victim in XXXX they were sued XXXX XXXX for improper debt collection and this is the same issue that is happening to me. I was told by an agent called XXXX to call an attorney. She was being sarcastic because I said all my funds are locked up by navy federal. She demoralized me right on the recorded line. This occurred today at XXXX on XX/XX/XXXX. this is the second complaint i have filed against navy federal due to this issue. The consumer Protection bureau is suppose to assist consumers not intimidate them, give them false information and make fun of there issues over the phone. This is completely unethical, unprofessional and embarrassment to the state and the governor himself.
Consumer complaint received 2022-04-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NH)

I closed on my mortgage in XXXX and my mortgage was set to end pmi in XXXX, I called to have it removed. I was told that because I was I. Forbearance they extended the date automatically to end pmi five years later. I explained to them that the forbearance does not change the terms of the signed agreement. They said it does and would not help me further.
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have sent numerous letters to XXXX, Experian and XXXX with no response about removing old addresses that do not belong to me : XXXX is reporting inaccurately : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, AR XXXX Experian is reporting inaccurately : XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX is reporting inaccurately XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-09-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (PA)

I have an account in collections for Genesis Credit Management. Apparently it's another apartment application fee of {$100.00}. My credit score went down over XXXX points.
Consumer complaint received 2022-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: AMERICAN EXPRESS COMPANY (NC)

XX/XX/2022 XXXX : My name is XXXX XXXX. I am writing in regards to XXXX XXXX XXXX, XXXX  attempt to collect a debt on behalf of American Express. The account ending in XXXX. 
The total balance owed, as I understand is : {$5400.00}. I am writing for assistance because I do not wish for this team to take the harshest penalty on me, by suing me for the funds in which I explicitly do not owe or possess. 
I am a XXXX veteran of the USA. I have no available funds or assets to liquidate to satisfy this debt in full or at thirty-five percent. 
I do not own a vehicle. And I do not own a home and I do not own any properties. I am not actively employed. I live with my family XXXX XXXX XXXX XXXX with one XXXX  XXXX XXXX  a XXXX XXXX. I survive on an XXXX  XXXX  daily. 
I am able to secure via family agreement, a full payment, to clear this debt in the amount of {$1500.00} given that XXXX XXXX XXXX, XXXX. is able to accept and agree in full, that, this debt will be satisfied and there is be no further collection attempts and that American Express will in good faith honor this payment as a debt satisfied in full with no further collection attempts and all lawsuits will cease immediately upon receipt of payment! 
XXXX XXXX XXXX, XXXX. will be able to reach me via telephone at : ( XXXX ) XXXX, only if this communication is something they are going to accept and allow a payment of {$1500.00} to me made on the date in which they contact me. 
If this offer for settlement is accepted, XXXX XXXX XXXX, XXXX. may contact me via telephone to collect a payment of {$1500.00} in full. Once the payment is posted, they will submit to me via email and fax ( XXXX ) XXXX, a receipt for payment, as well as communication advising that the debt is satisfied and paid in full with no further collection or legal attempts to me made. 
Thank you, XXXX XXXX XXXX XXXX XXXX Ct XXXX 
XXXX, NC XXXX ( XXXX ) XXXX
Consumer complaint received 2022-04-14
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: EQUIFAX, INC. (MD)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-06-28
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. (SC)

In accordance with the Fair Credit Reporting act, XXXX NXXXX XXXX XXXX  Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Please remove this account.