davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NH)

I received a payment from a friend into my Venmo account and I started using the funds by means of my Venmo debit card. Then towards the end of the evening my Venmo debit card kept getting declined so I called into Venmo customer service and was told that my account was frozen. I was also told that it could not be fixed until 5 to 7 days later because it Hass to go to a specialized department. I finally heard back from that specialized department who told me that the reason my account was frozen and that I could not access my funds is because there was another account that had been opened in my name that had a balance due. I informed them that I did not have another Venmo account and that if there is one open and it was open without my knowledge and fraudulently. They are refusing to listen to me and theyre telling me that I can not take my money out of my Venmo account or spend my money until I agree to allow them to take the money towards this other balance that is owed that I had no part of. At this point, all I want to do is to cut ties with Venmo altogether and take my money out of the account so I can move forward. I dont think its going to be that simple. How is it even possible that they allowed a second account to be open to begin with? I never authorized a second account. The fact that they allowed someone to open an account in my name and that person has a past due balance has nothing to do with my Venmo account. They have no right to hold my money and tell me that I need to comply with their demands in order to withdraw my money. I feel that I am being extorted by Venmo. Thank you.
Consumer complaint received 2022-10-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (NV)

hello, i sent a validation letter to iq data an to all three credit bureau. i never got a validation letter from the debt collector to say what i owe an documentation, then the credit bureau said they validated it. how can that be when the debt collector cant even validate the debt. then i looked at my report an i see outrageous interest charges. it went from XXXX to XXXX an the interest charges keep goin up an down every month. i know thats against the law. an on my credit report it says there an attorneys. this company has broken alot of fcc laws an keeps breaking them when reporting false info on my credit report. how do you send a validation letter to a po box .
Consumer complaint received 2022-10-26
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. (IL)

Hi I am submitting this 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 719XXXX has me at a score around 590. 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 XXXX 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-10-13
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. (MD)

In accordance with the Fair Credit Reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 

XXXX  XXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX 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 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting Agency if the person knows or has reasonable calls to believe that the information is inaccurate.
Consumer complaint received 2022-10-26
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. (TN)

I've contacted Equifax in writing on XX/XX/22 and XX/XX/22, pursuant to 15 USC 1681b. I have never given Equifax any written consent to have these items furnished on my consumer report. After seeing that no disputes have been opened after my last written notice. I called XX/XX/22, as a third attempt to have these items removed from my report and was told that they could not be removed until after they have done an investigation for items that shouldn't even be on my consumer report.
Consumer complaint received 2022-07-05
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. (IL)

Hi I am submitting this 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 XXXX 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 XXXX 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 XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX n they record the calls XXXX admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX 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 XXXX now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-09-21
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. (VA)

Pursant to 18 USC 8, I owe no debt, This company ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX original creditor XXXX communication ) ( XXXX XXXX XXXX ) original XXXX XXXX XXXX ) are all violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-05-19
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: EQUIFAX, INC. (CA)

I have reached out on numerous occasions to fix these issues. I have alerted the bureau that fraudulent accounts exist on my report and have went as far as filing an FTC complaint and yet still they have left accounts on.
Consumer complaint received 2022-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc. (NC)

Cashapp withdrawal on XXXX XXXX XXXX XXXX? sats Cashapp withdrawal on XXXX XXXX XXXX XXXX sats I was told that these were bitcoin transaction withdrawals. I dont even know how to do bitcoin. Secondly the withdrawal on my account how where I have NO Knowledge of. Cashapp closed the investigation stating that I Authorized the withdrawal! Im at a loss but I authorized the withdrawal! That doesnt make sense! When I click the transaction its NOT giving information about whom it may have went to or where. I said this may be some type of FRAUD or SCAMS. Has to be. I didnt Authorize these withdrawals. And to stop investigating without giving the client information is preposterous! You playing with people livelihoods. I dont have money to just disappear and I not know where it went. Usually I get a NOTIFICATION of anything on the account. I wasnt notified about the withdrawals. Went to pay my bills and my money wasnt there!
Consumer complaint received 2020-01-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Associates of Maui, LTD (HI)

Contacted Credit Associates of XXXX in order to make a lump sum payment on the debt that I had with them. Spoke to a woman named XXXX who said that I could settle two of the accounts I had with them for amounts that were slightly less than what was owed. I asked XXXX if this would clear my obligation with them and was told that it would I also asked if I could receive a receipt regarding the transaction via mail or email which I provided to her the time of the conversation. I asked when I would see the removal of this from my credit to which I was told it would be posted on XX/XX/XXXX. On XX/XX/XXXX I left a message for XXXX requesting a receipt as I had still not received it but received no reply. I called again on XX/XX/XXXX and got connected to her to which I was told she would have an " XXXX '' send the receipt to my email which I never received. After checking my credit on XX/XX/XXXX I discovered that the supposedly discounted amounts that XXXX had given me on XX/XX/XXXX were reported to the credit bureau as derogatory and a collection/charge off debt owed which was not something that was disclosed by XXXX when the debt was collected. I called to speak to the supervisor and have yet to receive a call back. I have been unable to get any correspondence from them to date and was falsely led to believe that the amount I paid would settle the debt that I had with them which is a direct violation of the FDCPA which states that debt collectors can not use any false, deceptive, or misleading representation to collect the debt.
Consumer complaint received 2022-09-21
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2022, Wells Fargo alerted me of a returned check that I had not seen/known of. As of XX/XX/XXXX XXXXXXXX XXXX i had $ XXXX in my savings, and a little over {$400.00}. I woke up to being in the negative, $ XXXX under. I called and put in a claim to the department, from the information they gave me I reviewed my history. According to the history, there had been deposits and withdrawals that needed no approval ( 7 months prior ), unaware to my knowledge. The claims department said an investigation will be done, and to send any other claims of fraud in. The check submitted in the picture is the one in question, and not from the company I work for. My account is still in the negative, provisions were not accommodated. I do not have checks, i do not use checks, Wells Fargo should know that as I have banked with them for almost a decade ; I have never used checks
Consumer complaint received 2022-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

On XX/XX/2022 I made a payment of XXXX one day late and was charged a late payment fee of {$29.00}. This caused my payment to increase for the next month. I contacted Citi customer service and asked if they could remove the late fee as I have always paid my account on time and only fell behind one day due to XXXX issues. The customer service representative acknowledged I had always made my payments and stated he would remove the late fee. I then stated it was for a hardship so would that lower my payment back to the amount I usually paid and he stated yes to pay the amount of XXXX by the due date of XX/XX/2022 and this would resolve my issue. On XX/XX/2022 I made a payment of XXXX. I was then charged another XXXX late fee by this company. I placed another call to customer service. I explained the situation and the information I was given by the previous customer service representative. I was then informed my account had been closed by Citi. I requested to speak to a Supervisor and was transferred to their escalation team. I repeated my story yet again and was told I could not get another late fee removed even though the employee acknowledged I had been given incorrect information by the previous customer service employee of this company. I was offered to go into one of their debt programs as the only solution they could offer. I agreed to enroll in the program and set up automatic payments monthly to pay off my balance. The next month I get an alert from the Credit Bureaus that my account is being reported as over 30 days late which is now impacting my credit score. I place yet another call to customer service and explain this entire story and was informed that they have been trying to work with me and the account being late is my fault because I am not paying the correct amounts. By this point I was now furious as this entire matter could have been avoided had I simply been told back in XXXX by the customer service representative that I would need to pay XXXX instead of XXXX. I again request to speak to a Supervisor, am placed on hold multiple times then told " due to extenuating circumstances no-one is available to take my call and they will get back to me in 24-48 hours. I am filing this complaint as this is poor customer service in my opinion on every level. I have never made a payment 30 days late to this company. I paid the amount I was told to pay and it has been a downhill spiral every since. I am actively paying on this account so that I never have to do business with this company again. A simple XXXX search showed an alarming number of complaints against this company for poor customer service.
Consumer complaint received 2020-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

credit card reject from XXXX XXXX. ( XXXX ). Allegedly based on a report drone Experian. Called Experian and did not get any satisfaction. They claim there is a {$12.00} balance on a XXXX account. I don't have a XXXX account.
Consumer complaint received 2022-10-13
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. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX : 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. No reporting agency has my written permission to furnish any accounts.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C. 1666 ( b ) states : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-09-15
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. (IL)

Hi I am submitting this 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 719XXXX has me at a score around 590. 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 XXXX 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 XXXX 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 XXXX admitted they had my police report XXXX 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 2022-09-15
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. (MS)

In accordance with The Fair Credit Reporting Act, the following list of accounts have violated my consumer rights to privacy and confidentiality. They have also violated reporting laws within the FCRA. 

1. XXXX XXXX XXXX # XXXX has violated my rights 2. XXXX XXXX - ACCOUNT # XXXX has violated my rights 3. XXXX - ACCOUNT # XXXX has violated my rights 4. XXXX XXXX - ACCOUNT # XXXX has violated my rights 5. XXXX XXXX XXXX - ACCOUNT # XXXX has violated my rights 6. XXXX - ACCOUNT # XXXX has violated my rights 7. XXXX XXXX XXXX - ACCOUNT # XXXX has violated my rights 8. XXXX XXXX - ACCOUNT # XXXX has violated my rights 9. XXXX XXXX - ACCOUNT # XXXX has violated my rights 10. XXXX XXXX - ACCOUNT # XXXXhas violated my rights 11. XXXX XXXX - ACCOUNT # XXXX has violated my rights 12. XXXX - ACCOUNT # XXXX has violated my rights 13. BANKRUPTCY - REFERENCE # 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 : States a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-01-23
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)

I applied for a personal loan with XXXX XXXX XXXX today XX/XX/2020 and I was told that I did not qualify for the loan because there is an account reflecting badly on my credit report. The account is XXXX XXXX XXXX for the balance of {$25000.00}. This account is not mine ; I never opened t nor did I ever allow anyone to open this account on my behalf. I looked into this more and found out that this account possibly belongs to my father XXXX XXXX XXXX. This has happened in the past since we share the same name. I did not allow anyone to open an account in my name nor have I ever had any written/verbal contract with XXXX XXXX XXXX I never made any payments towards this account nor did I benefit anything such as money, goods or services from this account. I have already filed a police report regarding this incorrect information reporting on my credit.