davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Block, Inc. (CA)

I made an online purchase with XXXX beauty and used the buy now pay later service Afterpay to buy the items. The XXXX website had some issues when I placed the order on XX/XX/XXXX and my one order was charged twice. XXXX released the authorization hold for the duplicate charge and only charged me for the one time and there should no longer be a secondary duplicate debt from XXXX to be collected by Afterpay. I have contacted Afterpay multiple times and they are refusing to reverse the duplicate charges on my account or refund the money they have already collected and they are attempting to collect the rest of the false debt. If I refuse to pay the false debt or do a stop payment on the automatic collection of the false debt they will affect my credit score by reporting it as an unpaid debt. The false debt amount is {$200.00}, they have already taken {$52.00} from my account on XX/XX/XXXX and refused to refund it and they are attempting to collect the remaining amount of {$150.00} spread out over XXXX more payments of {$52.00}, {$52.00}, and {$52.00} with each payment to be automatically collected every XXXX weeks. I have tried to contact them through their messaging system multiple times and filed a dispute but they are refusing to do anything to reverse the duplicate charge and telling me I have to pay it while they give me the run around and false platitudes that they are working on the problem. Theyre also telling me I need to keep making payments on the false debt while they work on to resolving the issue. In other words they are attempting to collect money from the false debt from me and drawing out the process of reversing the charge so that they can try to take the entire amount from me and keep it.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA (DE)

Goldman Sachs/XXXX makes you proactively go to the app or their app or website to get your statement. Because of this there is human tendency not to remember to review all the charges, especially since they push the automatic payment. 

The structure of this process works to make the consumer foot the bill for an excess of fraudulent charges, because the company does not send the statements to consumers. 

The refusal to send statements to customers is a means to lower company losses/ reduce company work on bad charges.
Consumer complaint received 2022-11-30
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. (PA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C 1681. 

Credit collection service Account # 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, 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 adverse item of information other than records of convictions of crimes which antedated 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 2022-11-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Messerli & Kramer P.A. (MN)

XXXX XXXX XXXX XXXX is messerli and Kramer in XXXX MN.i guess it was XXXX when I had a card for purchase of ... I have no idea.they say I owe XXXX they XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I was not given a court date by letter.I never got proof from XXXX XXXX or from messerli and Kramer.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Credit Karma (NJ)

Early this year Credit Karma in 2022 kept sending me pre approved emails and when I would go onto the website to check my score. Therefore, I thought I was going to get a credit card of {$15000.00}. So I applied for the card and I got denied and then I was approved for {$1500.00} instead of the {$15000.00} and I was very upset because I was going to take a trip with family. A trip that I deserve because my husband passed away unexpectedly and I needed this get away. This took my anxiety over the limit and I havent even gone back on their website to check my report. Im afraid of all the lies and broken promises.
Consumer complaint received 2022-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

Around XXXX XXXX, I got an email about suspicions activity going around in my account. So I contacted wells fargo to dispute the transactions. The next day I saw that someone did a wire transfer without my authorization and linked a XXXX XXXX  card with my debit card which I never did. I lost about XXXX dollars and I claim to wells fargo about fraud activity going on I waited for weeks for all the claims I have submitted but I was denied and they believed that I did the transaction or someone I know did the transaction. I told them all the time that this was not me because if it was me I would not be contacting them or making my XXXX complaint under the CFPB. I never installed XXXX XXXX  or never went towards those locations and I want them to investigate the atm withdrawals that happened because if they can check who took out money they qould know because this was not me. I am furious because they have not helped me and also told me to go to the bank and talk to a banker only to tell me that they cant do anything. I have already file a police report as well to get to the bottom of this.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (IL)

I received my new XXXX XXXX Credit Card through Barclays Bank and activated the card on XX/XX/2022. During the activation process I was asked to confirm the phone numbers on file. One was correct, the other was not. When I stated " no '' to the incorrect phone number, I was transferred to an offshore contact center and she stated the information i provided her was incorrect ( yet it was the same information I provided through the automated system to activate my card ). 

She then had to transfer me to " security '' who also said the credit card number didn't match, even after reading it to her twice and repeating all my information twice. She then said I'd have to send in documents, in which case I told her to cancel the card. Which she said " I can't do '' because the information doesn't match, even though she could see i activated the card. 

Cancel this card per my request as I no longer want to do business with Barclays or XXXX XXXX.
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Atlantica, LLC (HI)

Misuse of credit by several cc companies .. credit / debt sold to unauthorized corporations .. reporting is very off .. amounts owed and consumer fraud by cc companies as my SS number has been sold without my consent
Consumer complaint received 2022-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Neon Newco Corporation (TX)

On XX/XX/XXXX I ordered a new card with Netspend, I been with them since XXXX when I started receiving my XXXX benefits. On XX/XX/XXXX I was told my card wasn't delivered cause i forgot to change my address. I called them on XX/XX/XXXX to speak with someone about my new card and was told by # cust reps my account had been closed, I questioned the reason and was given nothing. They just stated I was no longer eligible for netspend services. On XX/XX/XXXX I called & went to the XXXX XXXX to change my Account info to get my direct deposits but was told that the deposit for XXXX was already sent and nespend will reject the deposit, send it back to XXXX and put on my new account. It was gon na take 5-7 days to fix everything. I decided to call netspend again and spoke with XXXX reps & XXXX supervisor XXXX reps stated my account was closed and that my direct deposit will be rejected. I then spoke with a supervisor that said everyone was mistaken my acct not closed its just a restriction on it and it will be lifted in 24 hr and the rep stated the same thing. Both even acted like they was reordering my card for me. On XX/XX/XXXX my direct deposit was posted despite being told it would be rejected. So on XX/XX/XXXX I call again and was told yes they posted my deposit and now instead of me having to wait 5-7 days now i don't know when they'll send me a refund check for {$2200.00}. Then again i speak with a supervisor that says its not closed its just restricted and i got to wait another XXXX hrs to get it released. I told each rep & supervisor my situation i'm a single mother with a XXXX yr old son and we are homeless right now and that money was what I needed to have a place to live, eat, have gas & give my son lunch money now i'm broke sleeping in my car with my son and {$2200.00} sitting in an account I cant touch. Whats worse is I don't even know why and cant explain to my son right now. I need help ASAP please. I'm up now at XXXX XXXX and my account still has a block. Imagine being hungry & homeless with {$2200.00} sitting in an account but you cant get it and you dont know why. Again I need Help ASAP please.
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX, XXXX  XXXX XXXX, 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 a account without my written instructions
Consumer complaint received 2022-11-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc. (CA)

Received a collection Notice from this agency on the XXXX of XXXX and even before I could dispute it, which was not stated on the notice, the amount they tried to collect from had changed due to interest. This agency also has not responded to my information request for debt verification which I shall attach on here including the notice they sent which was intentionally worded to try and confuse me. This account never showed up on my credit and just popped up this month I have no knowledge of ever owing any type of debt to this collection agency nor to a gym. And the company has not yet reached back to me regarding my request but have furnished the credit bureau with an updated amount including interest.
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MN)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2022-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (MI)

On XX/XX/XXXX, I paid off my federal student loans with Cornerstone. Since then Cornerstone has been shut down and has been transferred to FedLoan Servicing. I've never made an account or a payment to FedLoan Servicing because my loans were all paid off. I called FedLoan at the beginning of XX/XX/XXXX to request a refund for the payments that I've made to my federal student loans but they said that they couldn't help since I had no account with them. They are also being shut down and being transferred to XXXX so I can't create an account with them. I'm left in a situation where I'm eligible to receive a refund of my payments but aren't able to because of the servicer migration.
Consumer complaint received 2022-09-21
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. (GA)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-30
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)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AR)

XXXX XXXX XXXX  TX Account # XXXX This particular account is an account that should be deleted because the deal fell through because I was not able to provide a title for the vehicle I wanted to purchase, Therefore the loan fell through. That means that the information being reported is inaccurate. XXXX XXXX XXXX  TX never gave me any money so I don't ow them anything. 
Consumer reporting agencies are also in violation of 15 US Code 1681 Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (TX)

This account was charged- off as ordinary income and I was supposed to receive 1099 form. I never received the 1099 form IRS, this is showing incorrectly and has to be removed.
Consumer complaint received 2022-11-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo is trying to unethically foreclosing on a property! 

XXXX XXXX, XXXX, I sent a cashiers check from XXXX XXXX for {$5500.00} to catch up on the mortgage of my deceased mother 's home. 

A few weeks later I was told by a Wells Fargo rep funds had been received but now the check disappeared & funds were never applied to the account. I want to stop the foreclosure & pay the remaining mortgage. 

Details - This problem is the result of two financial institutions acting improperly. We didnt know we were behind until I called Wells Fargo because of stopped statements. XX/XX/XXXX, I called & ask why no statements. I was told we were over {$4000.00} behind. I let the rep know I had not been aware due to NO statements & I would send funds. I asked statements to be sent so we could keep up with account & for automatic payments to begin again. I was told everything would be taken care. I had my credit union cut a cashiers check for {$5500.00} & mailed it XX/XX/XXXX. 

I found out XXXX XXXX XXXX XXXX took the payoff of mothers car from her account without authorization leaving the account without funds for the mortgage. This caused the missed payments. 

I still was not receiving statements so called a few weeks later. The rep assured me yes, everything was great. Check was received, account was fine & I should be getting statements soon. 

Next I heard from Wells Fargo was paperwork to foreclose. 

THIS is why Wells Fargo is foreclosing : -Mortgage amount due {$27000.00}... 
-Property tax value {$160000.00}... 

If I had been receiving statements all along, I would have known about problems. No suprise... the Wells Fargo rep lied to me. She knew I was not receiving statements and would never would. 

ONLINE ARTICLE. <<<Why Did They Stop Sending My Mortgage Statements After Bankruptcy? 

https : XXXX XXXX home mortgage lenders who send monthly statements to their borrowers will stop sendingstatements once a bankruptcy is filed. They will stop withdrawing automatic payments from your bank account. 

They claim sending the statements and withdrawing your funds might be seen as a violation of the bankruptcy automatic stay on collection and they dont want to run afoul of the bankruptcy law. >>> My mother passed away XX/XX/XXXX. We kept her accounts for payments but her credit union removed funds. 

Wells Fargo is known for unethical treatment of senior citizens. I went to a branch & was told a different story. In XXXX, the account was in " pre-foreclosure. '' I had proof from of the cashiers check but I was called a bad debt & they never got a check. 

I wish to pay off the mortgage & have no more business with a company who preys on XXXX XXXX.
Consumer complaint received 2022-06-07
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. (GA)

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

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX -US DEPT XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. ''
Consumer complaint received 2022-07-28
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 three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.