davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

Following is a brief account of my complaint against Venmo. There is also a record of my complaint to the XXXX XXXX XXXX  XXXX XXXX XXXX at : XXXX  : XXXX Essentially, I agreed to a very short-term loan to a friend, XXXX XXXX ( our accountant of 20 years, who has fallen on hard times ), of {$1000.00} back on XX/XX/2022. 

I mistakenly transferred the money using Venmo, rather than XXXX, as XXXX had requested, and XXXX instantly told me I had made a mistake and that he couldn't access his Venmo account, and that he had asked me to use XXXX. 

I immediately called Venmo ( within 15 minutes or less ) to stop payment and their representative told me the only way was to stop payment at my bank, XXXXXXXX XXXX I did that and got my money back through the bank about two days later. 

Venmo has persistently contacted me since then saying that I owe them the {$1000.00}, even though XXXX has fully explained the situation to them ( I have screenshots of his email ; I can also forward my entire email chain with Venmo ), and that his Venmo account was hacked and he can't access any funds through it. He never received the {$1000.00} I sent him, which Venmo claims I now owe them. 

I think they want to take my money and apply it to any negative balance he has with them, but I am not his personal guarantor, and I sent him a separate {$500.00} loan through XXXX, on the same day, XX/XX/2022, to try to help him out. 

I believe Venmo calls me every day ( I get messages showing their number, but I have blocked it so it doesn't ring ) and emails me constantly, demanding payment and never offering to close my Venmo account with no balance owing, as I have requested ( I rarely used Venmo before ; I deleted the app in XXXX or early XXXX 2022 ). They emailed me again on XX/XX/2022, admitting that their representative had given me " incorrect information. '' I will forward it to you. 

Their representative told me on XXXX XXXX 2022 to stop payment through my bank. I'm sure they have a recording of that, because they accept that but still claim I owe the money. They say I was given incorrect information ; I say it's their responsibility. They have been extremely unhelpful and harassing, and offer none of the protections a bank or credit card does. They clearly need further federal and/or state regulation, as does their parent company, PayPal. 

I hope you can help resolve this. I simply want my Venmo account closed with no balance owing, and a written apology from Venmo for all the hassle they have caused.
Consumer complaint received 2023-02-23
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. (NJ)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XX/XX/2020
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

The right to contest my credit report is something that every American has ( In accordance with the FCRA Section 611 ( 15 U.S.C.

1681 ( l ) and in accordance to the accepted standard of metro 2 data field reporting ), and I am exercising this privilege. I understand the nature of these proceedings- it's not just about whether or how much money was owed ( although we will explore both ), but also what kind of debt loadurbances can have on your life if they're left unchecked! The report-ability of any derogatory and or delinquent act is oftentimes questionable.I challenge this notion as I do not believe in reporting something unless there's factual documented proof to support itYou must report compliantly and accurately per federal and applicable reporting laws of my state. It is unlawful and unethical to retain any information which you know or should know does not comply with regulations.This letter to you serves as a wake-up call to you to ensure that all data with my credit report is factual and incompliance with Metro 2 format reporting standards. I request that you validate with physical ( in writing to me as a response ) verifiable proof of permissible purpose for any of the alleged delinquent/derogatory accounts allegations of inquiry ( ies ) Thankfully, I'm giving you 30 days to complete your investigation into the validity of this claim. If it's current and compliant with regulations then we'll leave things as they are ; but if not - well... I demand that you remove them from reporting ( my credit report ) immediately.I request that you send me physical documents proving your action ( s ) and my updated personal credit report following any correction ( s ) .The following items appear questionable in reporting! Please ensure that each item below is accurate, reporting compliantly, completed and timely being reported or DELETE immediately :
Consumer complaint received 2023-02-23
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. (AZ)

I have been sending reports and made it clear I was identity thefted. They have ignored every report, every dispute over 100x, complaints, disputes and reports all ignored. 
I am being Discriminated against, for my color, my XXXX, my gender, my Sexuality, my age. They have caused me to be homeless for over two years now. I am filing civil rights
Consumer complaint received 2023-02-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: DISCOVER BANK (VT)

I received a letter dated XX/XX/2022 informing me that XXXX would send a check for {$110.00} because of interest I lost due to them cashing but not depositing three of my checks. It has been over a month and I still have not received a check.
Consumer complaint received 2023-02-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (MS)

This car was repossessed and sold at a auction, I was only credited for the price the car sold at auction for instead of being reimbursed for gap insurance and extended warranty thIs was financed as apart of this loan. If they recieved a lump sum payment why I still have to pay interest and for services for a vehicle that I don't have. I also disputed the dates and reporting info is no match all the agencies. And told they had a responsibility to report accurate information. This information is still inaccurate and not updated correctly.
Consumer complaint received 2023-02-23
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

First of the CFPB has taken action against Portfolio Recovery Associates for using deceptive tactics to collect bad debts. My debt is completely inaccurate where Portfolio Recovery lacks documentation and trying to enforce collection without verifying the alleged debt. 

Portfolio Recovery Associates has failed to comply with the Gramm Leech Biley Act 15 USC 6802. They never gave me the ability to opt out and used my information without my permission, which is identity theft. 

There was also no Permissible purpose for Account # XXXX and Account # XXXX to be listed on my credit report. Both permissible purpose law ( 15usc1681b ( A ) ( 2 ) and the GLBA have been violated and it is identity theft.

According to 18 USC 1028 ( a ) ( 7 ), it defines identity theft which is just someone possessing, transferring or using a means of identification of another person unlawfully. This is what took place. 

XXXX, XXXX, XXXX and Portfolio Recovery Associates " regularly engage in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 

These companies have all violated either of the two which both constitute identify theft. 

I have contacted the Attorney General 's Office, XXXX and the CFPB numerous times and nothing has been done about the violation of my consumer rights. 

I demand Account # XXXX and Account # XXXX to be removed from my credit report and file or I will be seeking statutory damages since you willfully violated the obligations under the FCRA.
Consumer complaint received 2023-02-23
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: EQUIFAX, INC. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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
Consumer complaint received 2023-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NY)

The dates range from XX/XX/XXXX to XX/XX/XXXX. I believe I was incorrectly charged overdraft fees and other fees. The company made no attempt at all to rectify this or even attempt to help. I tried customer service numerous times and also at the branch to no avail.
Consumer complaint received 2023-02-23
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or correct them immediately. 
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 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
Consumer complaint received 2023-02-07
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY ()

I am closing my account with Wells Fargo remotely from the XXXX as I am no longer in the XXXX. 
To do this I filled in their Account Closure form which was notorised and apostilled and tracked mailed to XXXX which they received XX/XX/XXXX. 
Having heard nothing I phoned on XX/XX/XXXX XXXX minutes, XX/XX/XXXX minutes, XX/XX/XXXX again XXXX, XX/XX/XXXX mins, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX. 
All these calls I was put on hold and sometimes I got a customer services receptionist who said it I had to get through to the Exception Payments department. I spoke to them twice and they said they were very busy but the last call was the one where I was told that as I hadnt given the IBAN or SWIFT XXXX that was what was causing the hold up. No one asked for that in any calls prior. 
They got the information on that call ( XX/XX/XXXX ) and said that as they were very busy it would take another 2 weeks or so when they would call me in accordance with XXXX regulations. 
Having heard nothing since, I appeal for your assistance.
Consumer complaint received 2023-02-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (IL)

Hello, Citibank closed my account back in XXXX of XXXX by stating security reason. When my account was closed, I had USD XXXX in the account. Bank only refunded XXXX via check. After multiple requests I received the letter saying that bank will issue 2nd check in amount of USD XXXX however the 2nd check never arrived. I called many times at the bank to obtain tracking number but they did not provided that. I would like tracking number for the check the bank is stating that they issue. On XX/XX/XXXX bank said that they issue check for XXXX but I did not receive anything yet. 

In addition to that bank never answered on how to get remaining fund of USD XXXX. That fund was deposited by my employer via direct deposit so I would like Citibank to send that money back to employer so my employer can reissue the check. I have talked to my employer multiple times as well but they are waiting on bank to release the fund back to employer ( XXXX ). My employer is not able to reiisue the direct deposite until bank releases the money. 

I tried calling bank more than 25 times but no resolution. 

This issue is going over 120 days without any explanation Citibank has been holding ( stealing ) my money. 
Please help
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accordance win the Fair credit reporting act. The List or accounts below mashes violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX / Account # XXXX Account name : XXXX XXXX XXXX / Account # XXXX Account name : XXXX XXXX XXXX XXXX / Account # XXXX Account name : XXXX XXXX / Account # XXXX All are a violation of 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 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 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.
Consumer complaint received 2023-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (WA)

Usbank and XXXX refuse to do anything after someone scammed my account. I disputed the claim and they denied me, but sure as heck they charged XXXX overdraft fees in the same day. They refuse to do anything to help me and Ive never filed a dispute in my XXXX years of banking with XXXX BANK. Do not use this bank. They will charge you fees up the XXXX and then refuse to help their customers
Consumer complaint received 2023-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX, I wrote a letter to XXXX XXXX XXXX, XXXX of American Express regarding an auto policy refund that was sent to American Express by XXXX from XXXX XXXX XXXX California XXXX XXXX XXXX ). My father passed away on XX/XX/XXXX so I called American Express and XXXX XXXX to close/cancel his account. When I canceled my late fathers auto insurance policy, hes supposed to receive a refund of {$500.00}. When I called XXXX XXXX, they stated that they sent the refund to American Express since my late XXXX uses his American Express credit card to pay his auto insurance. Per XXXX XXXX, the refund check was sent on XX/XX/XXXX reference number XXXX. 

Up to this time, I have not heard from American Express regarding my letter that was sent via certified mail and received on XX/XX/XXXX.
Consumer complaint received 2023-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANKERS HEALTHCARE GROUP LLC (CA)

I have been getting Marketing from the company so i decided to apply with them. i recently got a letter from BHG Financial stating the reason for my denial was i was unable to verify applicants information. so i call the company as instructed in the attached documents. to try and rectify and they could not answer my questions. they are violating my consumer rights and equal credit opportunity act!. might i add i have great credit. so why are they denying me with no valid reason?
Consumer complaint received 2023-02-23
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: KEYCORP (OH)

Dear Director XXXX : My wife and I have been customers of Key Bank for about 25 years. Since about XXXX our Key Bank products with the exception on a Roth IRA have always been in the name of our trust. Our Atty. told us not to change IRA name to a trust. On or about XX/XX/XXXX we closed a Money Market Account that was in the name of our trust and opened a CD in the name of the trust. I brought in the trust paperwork it was copied and I assume submitted. In XXXX the paperwork I received from Key did not indicate the Trust name on the CD. I called the customer service line and they called my branch while I was waiting. The CSR told me that the branch told him someone was working on the account and I would be called in a few days when it would be fixed. Absent a call I went into the branch and all the officers were busy. I was informed by a teller I would get a call from the bank in forty eight hours. Again no call. Around XXXX XXXX I looked at my bank statement and I saw that I was being charged a service fee for the money market account that I closed. I called the Key Bank toll free line and spoke with a CSR. She asked me if I specified that I wanted to close the account when I opened the CD. I said of course. She removed the fee and informed me that I had to go to the branch to close the account because it was in the name of the trust. Agitated I went to the branch and XXXX XXXX, a visiting officer, closed the MM account and changed the name on the CD to the trust. Finally a banker who offered what Key advertises ; PERSONAL SERVICE ; as opposed to at best impersonal service and at worst prevarication. I thanked XXXX XXXX for helping me. After he changed CD to the name on the trust I told him that if he had not ; I would complain to the CFPB. I thought the matter closed. Today XXXX XXXX told me that the branch wants me to bring my trust paperwork in again. Key Bank certainly believed that I had the same trust documents when they refused to close out a XXXX balance MM account over the phone. Are those documents lost as well? Is there someone who audits existing accounts for documentation?
Consumer complaint received 2023-02-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Lac Courte Oreilles Financial Services II (IL)

On Thursday, XX/XX/XXXX, and in accordance with the Loan Agreement attached to this email, I contacted eLoanWarehouse by email in order to revoke my authorization of electronic payment. Despite the Loan Agreement merely stating that I needed to send notice via email, I received a series of emails insisting that I also needed to call ( also attached to this email ).
Consumer complaint received 2023-02-23
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: CAINE & WEINER COMPANY, INC. (AZ)

I am writing this letter in regards to several negative accounts on my credit report. I have made numerous attempts to have these accounts removed, but to no avail. I am now writing this letter to officially request the removal of these negative accounts from my credit report. It has come to my attention that the information listed on these accounts is incorrect and does not accurately reflect my credit history. I have proof that these accounts do not belong to me and I demand that they be removed immediately. If these negative accounts are not removed from my credit report, I will have no choice but to file a lawsuit for misrepresentation. This would be a long and costly process for both parties involved, and I hope that it can be avoided. I kindly request your prompt attention to this matter. Please let me know what steps I need to take in order to have these negative accounts removed from my credit report as soon as possible. I am eager to resolve this issue and restore my good credit standing.