davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-29
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 (TN)

On XX/XX/2022 I locked myself out of my original Venmo account. I created a new account because my father had died and I needed my husband to send me {$780.00} instantly to cover my dads cremation ( my portion ). I had trouble connecting my card so I contacted customer service. The told me that I cant have two accounts with the same card and I advised them that I lost access to my other account and that they can close the old account and I will use the new one. At no time was I advised that this would cause a problem or flag my account. The old account was deleted, and the new one was allowed to receive the money. I tried to instantly cash out the amount and it wouldnt let me because I needed to ID verify. I sent I. My ID and was verified the next day. I went to cash out the money and found my account. Was frozen. I contacted customer service again explained to them that this money was for my dads cremation and that I was ID verified and they told me that a different department handles this and that they are only reachable through email. It has been 8 days. My father is lying in a freezer, dead. And I still cant have him put to rest because of Venmo holding my money. I turned in my ID 3 times. My husband account. Was frozen as well and he also sent in the bank statement, and ID showing proof that this is real. I want my money released back to me. The fact that I cant speak to anyone, that no one can help me but they can hold my money for weeks in a time when Im already grieving, hurting they just traumatized me more. This was all the money I had for this, I have no other family to help and the funeral home will be disposing of my fathers body without releasing the remains to me because of failure to pay. My fathers remains will be dumped like garbage because VENMO decided to hold my funds after I verified my identity. I have contacted an attorney and we will be suing for pain and suffering involved over this. I want my account opened and I want to transfer my funds. Now. Venmo is a horrible company that never disclosed to me that it would be a problem. They had the opportunity to tell me and didnt. Shame on them. Im absolutely traumatized that my fathers remains will be garbage by morning.
Consumer complaint received 2021-10-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2022-09-29
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. (LA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account # 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 2019-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CO)

Wells Fargo is getting out of control with fees. I have had debits and checks be pending then they post the next day then go back to pending where I then get hit with fees. I had a check for XXXX that I didn't see that night and I got hit with a fee before it posted to my account that afternoon. That happens more often then not. And my banker can't even explain how that happens. I would like my fees back
Consumer complaint received 2022-01-08
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: Bliksum, LLC (GA)

I have ran my XXXX report and found inaccuracy on my report from LoanMe Account # XXXX. I have written a letter to LoanMe on XX/XX/21 and XX/XX/21 to make the correction. They have not responded to the letter I send on XX/XX/21. They only responded to the second letter that was mail onXXXX with a reply that this loan has been paid in full. I have explained to the that it not reporting correctly. This account has been closed and paid in full. It keep showing up reporting different information. Copy of the last report is attached as proof of wrong reporting. attached is also a letter from loanme stating that this loan has been settled in full. LoanMe have not made the proper correction to my report.
Consumer complaint received 2021-10-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (FL)

I have had a forbearance on my home mortgage since the beginning of COVID. I have also been unemployed since the beginning of COVID. I was told on XX/XX/2021 by a bank employee that if I made 4 payments and got my missed payments down to 12 that I would be eligible for an unemployment forbearance. I was also told to call after the Federal holiday in XXXX and arrange the 4 payments and then I would not have a payment due until XXXX. I called today, XX/XX/XXXX, and talked to 5 different bank employees. The first 4 denied that there was any unemployment forbearance available and that all payments were due in full immediately. I was told that I would NOT qualify for anything else because I was still unemployed and already have a second lien by HUD on my mortgage. The 5th person I talked to said there is an unemployment forbearance available separate from COVID that exists for customers. I said that is what I need. I was told that I would not qualify and it wouldn't help me. He said that at the end of the month demand letters would be going out to all people who are 4 months behind in their mortgages. He said " If you want us to put handcuffs on you, we will. '' This is an outrage. I am able to make 4 or 5 or even 6 payments today. He told me that those payments would not help me and I would just lose the money. This is predatory lending. This is a problem. I hope the United States Dept of Treasury hurries up and puts in place some protections for people like me.
Consumer complaint received 2021-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (AZ)

AT & T Universal Card # XXXX. Customer presented payment Money Order XXXX XX/XX/XXXX. XXXX  photocopy front and back says account was paid XX/XX/XXXX {$250.00}. As of XX/XX/XXXX AT & T disputes receivement of payment. Refuses to allow customer to submit proof of payment to any supervisor, or investigation team. Customer has not been credited for payment received. Conditional payment of {$250.00} is only temporary. AT & T Universal Card is a 20 year customer in good standing but refuse to allow customer to submit proof. They will not investigate or call customer back in 20 days. Citibank is main company who issues Card
Consumer complaint received 2021-12-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over XXXX  days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report its been over XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Consumer complaint received 2021-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (TX)

My complaint is about SageStream LLC. 
I have sent two written security freeze requests via certified mail and an over the phone request. The most recent written request was sent XX/XX/2021 via certified mail. SageStream LLC has responded twice saluting they can not verify my identity. Ive sent the two forms of ID ( my Texas state ID and my recent electric bill ) require per their website both times and still they have not placed the freeze on my account. I tried reaching out via the contact number they have listed on both letters they sent me and there is no option for me to speak with anyone nor get any more information. I have receipts and copies of what I sent them.
Consumer complaint received 2021-11-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NY)

On XX/XX/2019, a letter was sent to my home stating from my mortage company. According to the Mortage company, the payment we received on XX/XX/2019 for XXXX was returned unpaid by the drawing baking and the reason for payment return was the account was Frozen/Blocked. I tried to call Citibank several times. But I was given the run around. My XXXX card was also block and i was unable to use it. Both My savings and a checking account were Frozen/Block. CitiBank refused to return the money I had in both accounts.
Consumer complaint received 2022-10-15
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. (TX)

I have sent dispute letters for inaccurate reporting on my credit report in XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for the XXXX XXXX account reporting on my credit. I have also contacted XXXX XXXX about this issue multiple times. I finally received a letter from XXXX XXXX. 

According to my rights under the federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. I also have a right to the following : 1. To dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. 

2. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. 

3. Seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.
Consumer complaint received 2019-06-21
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 Plus Inc (TX)

I monitor my credit report very carefully as I am in the process of trying to obtain a loan with XXXX XXXX. 
On XX/XX/2019 I received an alert that my credit was pulled. I checked with my lender as the inquiry was from Credit Plus and the alert said a Lender has requested a copy of your credit report.

My current lender assured me this was not their inquiry as they no longer use Credit Plus. I was contacted by my previous Lender on XX/XX/2019 about the same time my credit was pulled. He called to follow up in my house search I made him aware that I had found a lender that worked with me and my house closing is this month. The next morning I checked again with my lender to make sure it wasnt her team that pulled my credit and again she assured me it was not her. 
I tried to contact XXXX XXXX my previous lender to verify if he pulled my credit report but he did not answer. 
I text him and he indicated he did pull my credit report by accident due to him having another customer with the same name. However I find that very hard to believe if you have to give all my personal information name, address, date of birth and social in order to run my report. 
My lender then asked me to contact his manager to make him aware and to have them remove the illegal inquiry. I contacted XXXX XXXX XXXX  come to find out XXXX doesnt work for them anymore he is now at XXXX XXXX. I then contacted his current manager and still no response. I had to call around to get XXXX XXXX current email and managers email. Once I obtained this information I emailed his old manager XXXX XXXX current manager XXXX XXXX and XXXX XXXX on the illegal pulling of my credit report. 
Not only did he illegally pull my credit report but he took my personal information from XXXX XXXX XXXX and used it to pull my credit through XXXX XXXX. 
I received an email from a XXXX XXXX on XX/XX/2019 expressing apologies on the accidental pulling of my credit and they would work on reversing this act. To this day nothing has been done and the inquiry remains on my credit report. I need this matter investigated immediately. 
Regards XXXX XXXX XXXX
Consumer complaint received 2021-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: One Source Technology (CO)

My consumer report ( background check ) lists my offense but does not list the date of conviction. This report does not give the potential employer any idea how long ago I was convicted or served my sentence. Its important for people to know how long in someones past they were a bad person.
Consumer complaint received 2022-08-28
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. (IN)

In accordance wi the fair credit reporting act, XXXX XXXX XXXX XXXX XXXX account number 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
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (VA)

I've been trying to open a dispute on my Experian account with Experian directly for over a week, and every time I try, it tells me they're having technical difficulties and can not access my report. I'm paying a monthly subscription for Experian services specifically to access this information when I need to.
Consumer complaint received 2021-10-18
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

Hi XXXX  has a 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 710. XXXX has me at a score around 592. 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 experian i spoke to a representative agent name 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 fourteen 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 accounts 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 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2021-10-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (WI)

I received a letter from debt collector, XXXX. I called XXXX because I am in complete disagreement that I owe any debt. XXXX told me that they had no information regarding the debt other than they were directed to collect the debt. The debt description was " XXXX '' on the letter, I called XXXX to research and understand the debt. XXXX went through their records and found that I have NEVER owed any money to XXXX, there has never been any debt owed from me to XXXX. So I called Jefferson Capital who claimed to have purchased the debt from XXXX and then redirected the debt to XXXX. Jefferson Capital was adamant that I owed them the debt and that regardless what XXXX said, my debt had been sold to Jefferson Capital. Jefferson Capital claims they sent me a letter in XX/XX/2021 to collect the debt and I never responded. So now in XX/XX/2021 I received a letter from XXXX to collect the debt. I immediately reached out to XXXX to understand what the debt was all about. 
I completely disagree with this debt and collection - I have no credit with XXXX, never have. I believe Jefferson Capital is acting fraudulently claiming I owe debt that I do not.
Consumer complaint received 2022-08-24
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Sequium Asset Solutions, LLC (MS)

I dispute this debt, knowledge of, and collection thereof wholeheartedly and asked that Sequium Asset Solutions , LLC and/or affiliates stop collection immediately on the said debt and any additional amounts alleged to be owed by XXXX XXXX and to Cease and Desist contact by phone immediately. Any correspondence from this date of XX/XX/2022 is requested and can be accepted by U.S. Certified Mail to the address stated in the letter. I also requested all methods of verification, validation, to be thoroughly done and documented for reference or further inquiry by me, within reason and their legal responsibility in accordance with Fair Debt Collection Practices Act. I have reason to believe this company is unfamiliar with or blatantly ignores FDCPA laws and regulations or practices. I have attached the letter I was sent and highlighted violations including 15USC 1692 b ( 2 ), 15USC 1692 b ( 5 ), 15USC1692C ( A ), 15 USC 1692d ( 2 ) According to 15USC 16811n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} I would like monetary relief of {$1000.00} per violation.
Consumer complaint received 2020-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

For the past 2 months my credit score has not been updated correctly. Typically your credit score reflects whether it has increased or decrease in points. Mine has done neither. Someone is illegally trying to sabotage my credit.
Consumer complaint received 2019-06-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: MEI AUTO FINANCE INC (TX)

I contacted MEI Finance on XX/XX/19 at XXXX XXXX  asking to extend my arrangement until XX/XX/19. I spoke with a Supervisor XXXX, I believe, or I may be misspelling her name. However, she was very rude and started speaking to me in a tone as to if I was being dishonest. I am scheduled to have a medical procedure on Tuesday and had to pay out of pocket my portion since I have not met my medical deductible. She asked me to send her copies of my receipt from my Dr showing her what my out of pocket expenses was in order for her to extend my payment. I felt violated for there are hippa laws and my information from the Dr has very personal information disclosed about my medical history. She also asked me copies of my check stubs to show where I have been off of work due to illness, which I have no problem with that. I just don't like the fact that I am being treated as if I am being dishonest. I really do not appreciate this type of behavior in behind an auto loan.
Consumer complaint received 2020-03-30
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: WELLS FARGO & COMPANY (GA)

I am not familiar with these items and I have been in contact with the company to challenge and verify this debt is mine with signatures and contracts to no avail. I have still received nothing. This is clearly an error and are not my accounts. I have noticed this for several months on my record with incomplete information and it has been hurting me financially unnecessarily as I have expressed. I have notified my attorney to stop the actions of your company from contacting me anymore and I kindly demand your swift response to this matter and deleting these accounts from my reports immediately. Thank you.