davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MI)

Just happened XXXX  and the XXXX of XXXX I was using venmo which is a finance company that a lot of people use because I can't get bank accounts I've been unable to get a bank account because I can't prove my residence because I just rent a room in a house.. The XXXX XXXX has done more harm than good. I was using the XXXX application on venmo I paid for {$100.00} worth of XXXX and I forgot to turn my card off and they took another {$200.00} and XXXX off of my card without me knowing about it.. did you try to turn my card off immediately right afterwards but I forgot. This seems to be a problem with XXXX than anybody that's buying Bitcoin.. I often use my card in stores and paying for things in restaurants but I never have the problem it's only when I buy XXXX it seems like the scammers are actually monitoring people accounts that are buying XXXX  and trying to steal from accounts that are not secure. 
Right now at this present time in the past 3 months I've lost {$550.00} from XXXX XXXX weeks ago I lost {$200.00} from XXXX, this XXXX XXXX  about XXXX Something needs to be done about the security of these payment processing companies they're not really securing your money at all It seems to me as though someone or the scammers are monitoring these payment things to XXXX  because they know they can't be traced. I know that there's a software that you can use to really monitor these things that are happening to these people that are using finance companies. 
I'm losing too much money with this I'm on a fixed income and this is some of the ways that I can pay bills through XXXX  it helps me a great deal I don't have a way to get checks.. 
Venmo can't supply security for their XXXX  platform on their their accounts they shouldn't be offering XXXX  and they should be told that people are not secure when they're buying XXXX... 
The the process to buy XXXX is pretty easy and very secure usually with a bank When finance companies should be offering the same security for paying bills and they're not.. they all should be using at least XXXX encryption on all accounts.. when people don't have the ability to get bank accounts because of just things silly things like residents it causes a bunch of problems the XXXX XXXX has been a real problem for me and I know it's been a real problem for other people.. because I don't have a lease and I usually live in roaming houses I can't really prove my residence I have to do other things that prove my residence.. these finance companies are XXXX XXXX  need to start using the same security that Banks use and using XXXX encryption... 
I need help with this cuz I am XXXX XXXX XXXX I'm on the fixed income I need some secure way to pay bills without constantly looking for money orders.. 
Something's got to be done with these XXXX XXXX  they've got to start using encryption or more secure ways to for people to use their platforms..
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (SC)

On XX/XX/year>, three fraudulent charges were made processed by Wells Fargo, through fraudulent activity discovered by XXXX. Each of the three charges were in the amount of {$4800.00}. The fraud was detected by XXXX, and stopped. However, Wells Fargo allowed the charges to be deducted from my account, putting my balance at $ XXXX. They also took all funds from my savings account, charged me a NSF fee and then charged my credit card {$920.00}. This credit card account was previously at {$0.00}. 

After two emails to the fraud department, I still have had no interaction or response from Wells Fargo. The charge on my credit card remains. I can not tell if the NSF charge has been reversed, but no money has been returned to my savings account.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Helvey & Associates, Inc., Warsaw, IN Branch (OH)

Requesting documents. 1099 XXXX  form and the original charging instrument these documents will show I'm not involved in a contract with this company or they are not the issuer of funds and this must removed
Consumer complaint received 2024-02-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NJ)

TRANSWORLD Systems Inc. has my nonpublic personal information without my knowledge, consent, authorization. They are committing identity theft and I will be submitting a report and complaint to the FTC. TRANSWORLD Systems Inc is attempting to extort me for payment. I never did business with them and I do not know who they are. There are no contracts between me and them and they are violating the Fair Debt Collection Practices Act. They are also violating the holder in due course clause pursuant to Uniform Commercial Code 3-302 ( a ) ( 2 ).

My privacy has been invaded.
Consumer complaint received 2021-01-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK (DC)

In XXXX, I called Discover and asked for repayment assistance on my student loan. Discover offered no repayment assistance and the customer service representative gave me false information, saying I could " pay one account at a time '' because " Discover doesn't report late payments to credit agencies. '' This false information clouded my understanding of their payment policies. On XX/XX/XXXX, after bringing my account current with a payment, I realized that my XXXX credit score decreased by 103 points, even though I've made 22 on-time payments. 

Discover 's zero-tolerance policy for repayment assistance and misinformation about payments and credit reporting severely damaged my credit rating.
Consumer complaint received 2024-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC. (AR)

My XXXX XXXX account was placed on a restriction without notifying me of any reason why after being able to access and use it for months without any issues before this incident. Now after calling and constantly trying to get the situation resolved it seems as if they just plan to deny me access of my funds without having been notified of the restriction that was placed on my account or any reason as to why it had been placed the account to begin with. After numerous attempts of trying to contact XXXX XXXX/SoFi and speaking with numerous representatives they haven't given me any reason why a restriction was placed on the account but they are constantly asking me an XXXX XXXX XXXX man to try and follow some steps in order to verify my identity which I have tried and their system can never seen to work correctly and verify me. When I opened the account I didn't have a single issue with identity verification in fact they also asked a few questions only I can answer in order to verify my identity and everything seemed to go along pretty smoothly for a while until XXXX day they just decided to restrict the usage of my account to me without notification or explanation as to why this had been done. Being an elder and trying to use this new technology to the best of my ability has really began to take a toll on me because you have to understand that things aren't as easy for me as they once had been and I have grown agitated and irritated because this issue has persisted for far too long and I have done everything in my power to resolve this problem but it seems to me that they are not concerned with fixing this issue and would rather hold my money XXXX.
Consumer complaint received 2023-08-06
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. (IN)

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 b 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 Account # XXXX, Account name : XXXX XXXX  Account # XXXX has violated my rights. 
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
Consumer complaint received 2024-05-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA (SC)

I am writing to file a formal complaint regarding a collection account labeled APPLE CARD/GS BANK USA account number XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and anxiety. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and anxiety that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I mailed a dispute and have received the results of your investigation. Regarding XXXX XXXX XXXX XXXX XXXX XXXX  - your results indicate the item was repaired. Upon reviewing my report the item is still listed. Please update the item as per your investigation results indicated. I am the person making this complaint & I give CFPB authority to investigate this claim.
Consumer complaint received 2024-03-14
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MI)

Synchrony bank decided to close all of my accounts with them. I have had 100 % payments on time with them. They decided to close my accounts without notice because they say I am high risk of payment default. I have on my credit report years of 100 % on time payments. I have always paid my accounts with them. Never missed one. They claim because I have used my cards to the amount allowed that makes me high risk. They give a XXXX limit but them close your account when you use your card to that amount. It's false advertising, if you get a limit you should be allowed to use that limit without being punished. This has damaged my credit. They don't have a right to tarnish my credit when I haven't had any defaults with them. It's absurd and should be criminal to do that to people.
Consumer complaint received 2024-05-23
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Systems,Inc. (AZ)

Pursuant to FCRA Section 605B it is illegal to report any information on my credit report without my permission. Please remove this item from my credit report.

Additionally, Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.
Consumer complaint received 2024-05-23
Product: Credit 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: CITIBANK, N.A. (TN)

I contacted Citibank after my family 's cards ( XXXX XXXX & XXXX XXXX ) were lost during our vacation. Upon checking my account, I discovered that my sons card had been stolen and used. I promptly notified Citibank about the fraudulent charges. They apologized for the inconvenience and assured me that cardholders have XXXX liability for fraud, and a temporary credit would be issued while the claim is processed. However, no action has been taken since the claim was filed. Despite being a loyal customer and continuing to pay my bill, this situation has created a hardship and is negatively impacting my credit and credit line. This issue needs to be resolved and updated immediately.
Consumer complaint received 2023-04-27
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 according to FAIR CREDIT REPORTING ACT, XXXX  # XXXX ; XXXXDEPT OF ED # 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. have violated my rights. 

15 USC 1681 sect 602 ( a ) The right to privacy 15 USC 1681 sect 604 ( a ) sect 2. consumer reporting agencies can not furnish your account without my written instruction.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

On XX/XX/year> I requested the verification proof/accuracy of these accounts on a written document. Experian sent an email on XXXX stating that they verified the below listed accounts. I did not receive any documentation in regards to these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Investigation ID XXXX XXXX
Consumer complaint received 2024-02-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC (MA)

The company has failed to uphold the escrow agreement and pay property taxes due to the XXXX of XXXX, MA. This has resulted in XXXX ) a {$64.00} late fee assessed by the city and XXXX ) has necessitated that I pay property taxes out of pocket in addition to paying monthly escrow, or face a 14 % interest penalty. 

I have made multiple attempts to contact the company and resolve this issue. However, they have refused to refund late fees I paid to the XXXX of XXXX and furthermore have insisted that they can not pay property taxes unless my city sends an individual tax bill for my condominium unit ( currently the property receives a single bill for the building, which contains 2 units ). I don't believe there is anything in the mortgage agreement that specifies an individual property tax bill for our unit. The deed specifies the proportions that each unit must pay ( our unit owes 45 % of the property tax for the building ).
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

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. 

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 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently found that there are several fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I do not have any idea regarding these fraudulent accounts on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (MI)

I have noticed some inaccurate information on my consumer report and would like it removed immediately. Personal information. Only the name, XXXX XXXX should be present on my consumer report. The XXXX XXXX is inaccurate and should be removed immediately. This is personal information and I do not want it shared, which is my right under the privacy act of 1974.. Inquiry on my consumer report 15 USC 1681 permissible purpose I have not given permission for this company to pull my credit report. Inquiry information : MEJMC/CBNA Important dates Inquiry date XXXX XXXX, XXXX Title 15 accuracy of reports. 
There is an inaccurate account reporting on to my consumer report. The account number is incorrect and incomplete. The balance on this account is higher than the actually alleged debt ( proof provided ) this collection account is reporting as open in which this is a closed collection account. This account is reporting {$620.00} past due as of XXXX XXXX which is inaccurate because if this is a collection account no payments were made there for no payment were ever late. So I can not legally reflect XXXX past due. This account has a 1 month term category on this account but this is not a term loan account. This account reflects to be updated XX/XX/XXXX. It is XXXX this account has several inaccuracies and per title 15 and the FCRA this inaccurate account must be removed for violating the fair debt collection and reporting act Account information : Balance {$620.00} Balance updated XXXX XXXX, XXXX Original balance {$620.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Cell Phone This account is not mine. Its not accurate and I would like it removed immediately.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland credit Managem account number ending in : XXXX I have never done business or gave this company consent written, verbal, nor implied to contract with Midland credit Managem. I am a victim of identity theft and i sent proper notice to this company to remove this account. I provide this company with a FTC affidavit and cease and desist but i was continue to be harassed and threatened by this collection agents. This company does not have a legal right to collect in this state. I after a XXXX look up this company for a fact does not hold a lien and is not in jurisdiction. This company is operating outside its jurisdiction committing fraud and i demand this account be remove immediately. I am giving this company 10 days or it is tasit. Produce proof of a wet sign of nature giving this company a contract. I have never contracted or consented to an agreement with this company. This company has sent mail misrepresenting themselves and harassing me. This company has violated 15 usc 1692 c ( a ), 15 usc 1692 d ( 2 ). I received multiple mails with these violations and i have received threading voice mail. I was recently contacted by a local attorney whom which i am thinking about hiring and turn over all the mail, call log and voice mail. As the beneficiary i have a equitable interest and i demand this company stop reporting information to third party and exposing my intellectual property and social security number which they have a multiple mails. This company has violated my fee schedule. Produce the forward flow agreement at once and produce all document request so i can see how my intellectual property was sold and who contracted again my verbal and written consent.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

My name is XXXX XXXX and Im the consumer submitting this complaint on behalf of myself without any third party being involved. The listed accounts was furnished without my written consent or authorization nor permissible purpose see attached with the identified companies who are improperly furnishing this information to my consumer report without lawful authority or my written consent which is a result of identity theft. I have disputed this information with all 3 credit bureaus partner companies. Below I have attached a copy of my identity theft report from the FTC. Pursuant to 15 USC 1681e ( b ) accuracy of a report is required. Pursuant to section 313b of the FACT Act it was enacted to mandate in a manner which consumer reporting agencies & furnishers of consumer information to the CRA 's are complying with the procedures, timelines, and requirements under the FCRA for the investigation. The FCRA does not require furnishers to report to CRA 's but if they do report to them, they must comply with certain provisions of the statute. You have 4 days in accordance with 15 USC 1681c-2 to remove this fraudulent information from my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX