davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-08
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 (SC)

I received a payment of {$2200.00} dollars on XX/XX/2023 and Venmo suspended my account when I tried to transfer it saying my card was linked to another account and I never gave anyone authorization to use my card for anything and now I submitted multiple times my bank statements they were asking for via email and they are saying that that's not what they are looking for. The last lady I spoke with said an email would be sent in 5-7 business days. I received an email saying upload my ID and bank statements in the next few days and I did exactly what they wanted me to. I am positive it's the right card and the statements they repeatedly asked for and they are saying it's not what they need and it shows it is and the last four digits of the card is on the transactions list as well. They are not specifying what exactly they are looking for and at this point I don't think they are looking for anything. My funds are still stuck on this account and I had to pay rent since last week. They repeatedly send an email saying it's not what we are referring too but it definitely is. I submitted a ticket on the venmo account today because that's the company I'm referring to. I told them what I'm telling you now and I'm getting frustrated because I also uploaded the files as well. They are so vague and not explaining to me why they are just holding my funds. " This cause tremendous amount of stress and can possibly lead to eviction if my landlord pushes the issue. " Please unfreeze my account. I gave you guys everything you requested and asked for. " Exactly what I told them and they are still doing nothing and saying that the ones who can unfreeze my account is unreachable what app does that? Who just holds people funds and say it's nothing they can do?
Consumer complaint received 2023-06-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (TX)

On XX/XX/2023 my husband sent an ACH transfer to my PNC account which was intended to become a joint account once I added him for our wedding savings. 
He transferred {$17000.00} to my account and it was never available.. none of it. PNC set it out to be fraud and they froze the account for A full month. We got no answers from anybody when calling or visiting the local branch. My husband had to personally message XXXX XXXX at the PA office through XXXX XXXX to tell him about the issue and the gross incompetence we had seen from the bankers. We were assigned to a lady named XXXX from executive client services. XXXX left us a voicemail on XX/XX/2023 telling us the funds had been returned. When we contacted XXXX XXXX XXXX NOTHING HAD BEEN RETURNED. We contacted XXXX XXXX YET AGAIN. And he moved the case to XXXX XXXX. XXXX gave us the same story. Except this time She transferred the money back to XXXX XXXX XXXXXXXX without telling us where it was going to and who she was in contact with.. we had to pull teeth to even get her to send us a tracing number which by the way was invalid. My husband was able to get executive client services from PNC AND XXXX XXXX XXXXXXXX on a 3 WAY CALL!!! 
XXXX XXXX from PNC stated that she had been in contact with XXXX XXXX from XXXX XXXX  XXXX. 
And that they had figured out everything about this transfer and we were in good hands. IT IS XX/XX/XXXX. AND WE STILL HAVE NO MONEY OR SIGNS OF WHERE THE MONEY WENT. My husband opened a claim with XXXX XXXX  XXXX and they barely even have any information. 

I need the following things. 

- PNC TO CONTACT XXXX XXXX FROM XXXX XXXX XXXX to see where this money is living. 

- GIVE ME US OUR MONEY BACK OR REFUND US WITH A CHECK. 

- we are sick to our stomachs it has been over 2 months and nobody knows what is happening. HELP. 

XXXX XXXX XXXX XXXXXXXX TO TELL US WHERE THIS MONEY IS AND GIVE IT BACK.
Consumer complaint received 2023-06-16
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. (NC)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2023-06-08
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. (TX)

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, EXPERIAN used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. EXPERIAN reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Consumer complaint received 2023-06-08
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)

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, EQUIFAX used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. EQUIFAX reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Consumer complaint received 2023-06-08
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: Credit Karma (TX)

Your options were not exactly what happened. Let me explain and you do what you will. Credit Karma says that you can inquire about a loan without it affecting your score. That no inquiries will show until you are approved. That is not the case. They also send you to companies in other states, and when they transfer you to another state even though it's the same company, there's an addition inquiry on your report. One more item. Currently these loan companies are asking for your banking information. Not just any information, but theywant your login name and your password. That seems nefarious.
Consumer complaint received 2023-06-08
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: CITIZENS FINANCIAL GROUP, INC. (PA)

I used my Citizens XXXX XXXX credit card for the first time to purchase 2 tickets to a show from a website name XXXX XXXX XXXX I tried a few time to order but kept receiving an error msg in red that my home address didnt match the credit card number After making sure I submitted the correct info I called Citizens and stated the problem I was having and to make sure they had my info correct on their end They apprised me everything was correct and advised me there must be a problem with the XXXX XXXXXXXX website I called XXXX  about the problem and they said maybe it was the internet browser I was using So I decided to try another ticket website XXXX XXXX and the purchase went thru with no problem I later realized I was charged {$220.00} from the first website that gave me trouble I never officially authorized that transaction I was told on my end it didnt go through So I am disputing the charge I attached an email that even says I had not purchased the ticket Theres more concerning the ticket I purchased from the other website XXXX XXXX XXXX for {$160.00}. but I will be responsible for that because I did authorize the transaction
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

My personal information was compromised and the fraudulent inquiries were incurred by someone other then myself so please remove all unverified unauthorized fraudulent inquiries : 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 2023-07-09
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)

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. Account name : XXXX XXXX # XXXX Amount {$7300.00} Account name : XXXX XXXX # XXXX Amount {$2400.00} Account name : XXXX XXXX # XXXX Amount {$3500.00} Account name : XXXX XXXX XXXX # XXXX Amount {$11000.00}, 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 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 2023-06-08
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. (TN)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, 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 agencies 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.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (CA)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2023-06-08
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)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 I have the right to privacy.

15 USC 1681 604A Sec 2 : Also state a consumer reporting agency can not furnish an account without my written instructions.

15 USC Cose 1681a : Rules of construction Exclusions-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences the between the consumer and the person making the report.

15 USC 1666B A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.
Consumer complaint received 2023-06-24
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

15 U.S.C. 1681 section 602 A. 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.
Consumer complaint received 2023-06-08
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. (FL)

I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Consumer complaint received 2023-06-08
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)

Sending several times of multiple letters, unverified accounts listed below is still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report this negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX  XXXX Date Opened : XX/XX/2016 Balance Owed : {$0.00}
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MN)

I am writing to report fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me, causing significant distress. I have taken immediate action to report this as identity theft. I kindly request your cooperation in investigating and removing the fraudulent information from my credit report and other records. I am willing to provide evidence and take legal action if necessary to protect my rights and seek compensation. Your prompt attention to this matter is appreciated. Thank you for your assistance in resolving this promptly.
Consumer complaint received 2023-06-24
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. (AL)

The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : 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 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 2023-06-08
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (FL)

Ive been paying on my title loan for going on 6 years, maybe more. Ive moved across the country since and I dont know where I placed the paperwork. They forced me to get the payment protection so if I were to XXXX they would consider the debt paid. Im paying about 100 % interest on the loan with almost {$6000.00} left to pay.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I have sent out multiple Dispute letters including the dates of XX/XX/2023 and XX/XX/2023. I have sent dispute letters to XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I have also sent letters to XXXX, Equifax, and XXXX. 
These companies are reporting inaccurate information on all three credit bureaus. By law in reference to 15 USC 1681 the information needs to be removed or corrected. This information needs to be reviewed again because this information is inaccurate and should not be verified. This is having a huge impact on me trying to purchase a home. I have attached a FTC report as well as the dispute letters sent out.
Consumer complaint received 2023-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (TX)

I currently receive my paychecks direct deposit using Credit Karma on XX/XX/2023 my paycheck of {$630.00} was deposited into my account and a freeze was placed on my acct. I contacted Credit Karma via phone and they told me that they are unable to tell me why the freeze was placed on my acct and that it was for my protection. They said that a special department handles these cases and they are reviewing the matter. They said they can not provide me with a timeframe and to just wait to hear back from someone via emal.
Consumer complaint received 2023-06-08
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. (SC)

I am writing you with great concern. 

XXXX XXXX Account number : XXXX does not belong to me, and it has been proven. The account that made payments for the installment loan is not in my name however my social and personal info was used. 

A late payment was reported in XX/XX/23 and my credit file was alerted which is the reason i noticed this account. I filed a police report and ID theft report and the company : XXXX XXXX XXXX XXXX is not cooperating or willing to help in any way. If this is not taken care of and removed from my credit report I will be contacting a lawyer as this is affecting my score and preventing me from closing on a home. I have great credit and payment history and this is one of the only derogatory items simply because it was done fraudulently. The is not fair and against the law. CFPB please help. 

XXXX XXXX Account number : XXXX FTC Report Number : XXXX Police report number : XXXX
Consumer complaint received 2015-10-13
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America closes an 18 years old checking account that has an impeccable record for its entire history. Bank of America cites " business decision '' .without giving any specifics. The closure of the checking account has led to the closures of XXXX credit cards issued by Bank America. All Earned rewards are confiscated and Pending rewards are forfeited. 
Please see attached write up for the details of the complaint.
Consumer complaint received 2023-06-08
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (TX)

XXXX XXXX Report Date : XX/XX/XXXX CLOSED Account Status Closed accounts stay on your credit report for up to 10 years since the date of last activity. Negative information such as late payments or collections, generally stay on your Equifax credit report for up to 7 years from the date of first delinquency. 
Details Payments Historical Overview Account Number XXXX XXXX Account Status CHARGE_OFF Owner INDIVIDUAL Account Type INSTALLMENT Creditor Classification Loan Type AUTO Original Creditor Name Months Reviewed XXXX Activity Designator Terms Frequency MONTHLY Term Duration 72 MONTHS Purchased From Sold To Balance and Amounts Balance {$990.00} Credit Limit High Credit Available Credit Account Dates Date Opened XXXX XXXX, XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXX Comments and Contact CHARGED OFF ACCOUNT ACCOUNT PREVIOUSLY IN DISPUTE NOW RESOLVED BY DATA FURNISHER FIXED RATE For questions regarding this account please contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Credit Account - Closed Installment XXXXXXXX XXXX XXXX Item disputed Amount past due Date XX/XX/XXXX Update {$0.00} They are reporting a debt that is 8 years and 2 months old and past the 7 year FTC guideline for reporting a bad debt.
Consumer complaint received 2023-06-24
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: NAVY FEDERAL CREDIT UNION (MI)

Per the Privacy Act of 1974 as a federally protected consumer, I have a right to privacy. My transaction his is not public record therefore it should not be reported without my consent. 
Per the Emergency Banking Act of 1933 there is no lawful money in circulation and Congress enacted Joint House Resolution 192 and pledged to be responsible for the public debt and it shall be discharged dollar for dollar.

The certificate of indebtedness should result in a refund due to the if there is a balance of {$1.00} or more. 
The certificate of indebtedness is income because it is discharged by the IRS form 1099-C which is income and can not be reported.

15 U.S.Code 1681a ( 2 ) ( A ) ( i ) Navy Federl Credit Union agreed to not share my nonpublic information with non-affiliate. XXXX is not an affiliate of Navy Federal Credit Union.

15 U.S.Code 1681a ( 2 ) ( A ) ( iii ) 15 U.S.Code 1681a ( 2 ) ( B ) 15 U.S.Code 1681b ( a ) ( 2 ) 15 U.S.Code 1681n ( a ) ( 1 ) ( A ) 15 U.S. Code 1681o ( a ) ( 1 ) 15 U.S. Code 1681q 15 U.S.Code 1681s-2 ( a ) ( 1 ) ( A ) 15 U.S.Code 1602 ( l ) 15 U.S.Code 1602 ( j ) 15 U.S.Code 1644 ( a ) 15 U.S. Code 6801