davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc (OH)

Re : Venmo and adding funds I have been using Venmo since XXXX and I have been able to add money to my Venmo account balance using a checking account until XXXX of XXXX. The last time that I added funds was on XX/XX/XXXX. 

However, on XX/XX/XXXX, Venmo updated their terms and they changed their policy on adding money to your account. 

I tried to add additional several times during the first week of XX/XX/XXXX and submitted an inquiry on why I could not add funds on XX/XX/XXXX. 

I received a response the same day : " At this time, only users who have applied for and activated a Venmo Debit Card have the ability to add funds to their Venmo balance manually. If youd like more information about applying for a Venmo Debit Card, you can find it by visiting : https : //venmo.com/about/debitcard/ from a browser. Keep in mind that you dont need to add money to your Venmo balance to pay friends or businesses in the app. '' This is a complete loss of functionality for this service and I should not have to divulge valuable personal information ( e.g. SSN ) to apply for another debit card that I do not need. If Venmo wants to operate as a traditional bank, then they should be subjected to bank rules and not advertise as a social payment app.
Consumer complaint received 2022-11-28
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. (FL)

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 # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX Bank # XXXX, Account name : 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 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 2022-08-20
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. (OH)

In XXXX and XX/XX/2022, I visited a few car dealerships to shop around and explicitly told these dealerships that I do not want my credit report run because I will be getting financing through my credit union as well as making a down payment. 

These dealerships then took it upon themselves to run my credit report over 20 times across different banks to try and find a rate that would beat my credit union even though I had just asked them not to do that. They did so against my wishes because they were aggressively trying to make sure I left with a vehicle that day. Below are these frivolous inquiries segmented by credit bureau. 

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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AAA Collections (SD)

Last week I received a notice from AAA collections that they have requested a judgment for bills I supposedly owe. The letter says they contacted me last XXXX ( XXXX ) and I didn't respond. That's absolutely not true. I responded immediately ( XXXX ) and requested verification of all the items listed which, as I understand it, includes the original date of service, the amount of the service, and the name of the person receiving the service. AAA didn't respond to me directly but i did receive a copy of the letter they sent to clerk of court in the county i live in, I assume trying to get a backdoor backdated judgement filed so they can back charge years of interest.

We've had an ongoing issue for a couple of years now. When they originally called me, the person was quite rude and threatening. I didn't know then that I could dispute the action or anything about it. I didn't know that I could request verification that I actually owe what they say I owe. They were already garnishing my pay before I even received the first phone call! When I began questioning them, I discovered that they had received payment for bills I didn't actually owe -- either they weren't mine or payment had been requested way after the six year limit. They said they would reimburse me but that hasn't happened to date. I filed a complaint against them with the state of South Dakota Consumer Protection Agency for their inappropriate tactics, rude phone calls, and generally bad business practices. Once the state was involved, AAA dropped their original bill of over XXXX  XXXX down to about $ XXXX and said " they were trying to be helpful '' but they were really trying to collect monies that they couldn't or wouldn't prove I owed at all. The state said they don't hand out punishment, they simply try to mediate and find a resolution for both parties. Once AAA had that information, they stopped trying to be decent and went back to demanding payment. The state gave up at that point.

These people have told the judge in the past that I have been served notice before collection began and didn't respond, that was as completely false then as it is now. I'd like to see the proof that I was served before garnishment began, but it has never been provided because it can't be, it didn't happen. It seems to me that they have violated every law they're supposed to follow in their behavior. I've tried to find a settlement for the amounts I originally agreed I owed but AAA has always tried to collect more than they can prove I owe. Settlement hasn't happened because AAA always refuses payment and changes the amount on purpose to something I can't agree I owe because I know it's false. I see their actions as refusal of payment which I don't think shows good faith on their part. I have many pages of correspondence I have received and returned to AAA that I can mail to you.
Consumer complaint received 2022-06-22
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. (NC)

An inquiry to my credit report was pulled by equifax on XX/XX/2022 for XXXX XXXX bank XXXX. XXXX XXXX  XXXX XXXX, Co XXXX phone number XXXX. A fraudulent online checking & high yeild investment account was opened after the inquiry with XXXX XXXX bank on XX/XX/2022. The company was quick to recognize the fraudulent account and closed it on XX/XX/2022. A financial crimes risk management specialist was immediately placed in charge of this issue and contacted me right away. They have been good in contact with me. 

I asked for copies of thier data that from the person who applied and opened a fraudulent account including any information that person has used. Under the Identity Victim bill of rights I am allowed to request these proof documents for my own legal needs. I have not been able to do that and have waited several weeks to get a response after they responded to me regularly before.
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GreenSky, LLC (NJ)

I filed bankruptcy in XX/XX/XXXX. I took out the loan with Greensky in XX/XX/XXXX. During the entire bankruptcy, I made timely payments to Greensky, never missing a payment. In XX/XX/XXXX, we paid off the loan in full which was 7 years early ( loan was a 12 year term and was paid in 5 years ). 

My mother was originally impacted on her report but was eventually fixed by Greensky. This loan was reaffirmed as payments were sent from my checking account ( ending in XXXX ) each month for 5 years.
Consumer complaint received 2022-06-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Chrysalis Holdings LLC (AL)

About XXXX days ago, we were contacted by NewDay USA. I have had this mortage about XXXX years ago. The company stated that they have completed an audit of my account and we are behind on our escrow payments. They have increase100 % our monthly home payments over 100 %. Our payment was {$760.00} now it is XXXX Also they also charge me over {$2000.00} up front. 
My wife own the home and we both are XXXX and living Social Security. 
My age is XXXX and my wife is XXXX XXXX XXXX. 

I don't feel the escrow did their job when we bought the home.
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (TX)

US DEPT OF EDXXXX has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. Congress makes it clear that any contract or conspiracy that causes a restraint of trade and commerce is illegal. I was not provided adequate notice and I received no benefit for this transaction which constitutes unauthorized use of a credit card. The provision of the CFPA that prohibit unfair, deceptive, and abusive acts and practices in connection with the offering or provision of consumer financial products or services. US DEPT OF EDXXXX be is in breach of their fiduciary duty and has been unjustly enriched due to undue influence. Every payment made to this account was a result of threat duress and coercion. This fraudulently furnished negative information violates TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. I hereby disaffirm any alleged agreement or contract, whether implied or explicit, between I, the consumer and US DEPT OF ED/XXXX. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Until the requested documentation is received, this request for documentation shall be treated as a billing error and an erroneously billed amount under section 1666 of title 15. US DEPT OF EDXXXX, as the creditor, may not collect any disputed amount. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Any adverse action will constitute duress.
Consumer complaint received 2022-06-22
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. (AL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  with Account # ending in XXXX has violated my rights. 

15 U.S.C. Section 602.A., states that I have a right to privacy.

15 U.S.C. Section 604.A.2., states that a consumer reporting agency can not furnish account information without my written instructions.
Consumer complaint received 2022-06-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (CA)

Initiated money transfer- XX/XX/2022 for {$300.00} US Per Wise.com they received USD on XX/XX/XXXX Per Wise.com they paid out my EUR Per Wise.com Transfer successfully sent Recipient has not yet received the money into her account. 
Problem was diagnosed as I, the sender, sent money to Person A, but it went to her spouse 's account- I had her name with spouse bank information. This was acknowledged by all parties. 

After several correspondences with wise.com, there is still no resolution. The money has been withdrawn from my account, and the recipient. Wise.com says they sent the money to the recipient 's bank, but the bank says they have not received the money. 

Wise and I have corresponded on 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. Still no resolution.
Consumer complaint received 2022-06-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation (PA)

On Saturday XX/XX/2022 whole checking my credit report I noticed a drop in my score. With further research I came across a collection company that I had no previous interaction or knowledge reporting falsely on my credit. I have no way of contacting this company because no letter or phone call have been placed to contacting me. So I went on the internet searched the company called the number got no contact.. Thats when I contacted the police and filed a complaint of fraud XX/XX/2022 that I put in the photo.
Consumer complaint received 2022-06-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Viking Client Services (SC)

On XX/XX/2022 I picked up a rental car at XXXX in XXXX XXXX that I had reserved through XXXX XXXX  XXXX. When I got to the XXXX XXXX counter the agent told me my credit card on file was expired, XXXX card ending in XXXX. I apologized and gave him my XXXX XXXX XXXX  ending in XXXX. The rental amount was {$340.00}. A few minutes later my husband called and had been contacted by XXXX XXXX regarding a charge from XXXX in Virginia for {$540.00}. He asked me if the charge was valid and I said I do not think so as it was for {$340.00} and I had to use XXXX XXXX XXXX. His response to XXXX was that the charge did not appear to be valid. XXXX was then going to close the account and open a new one. A new credit card was received from XXXX in just a few days. 
I returned the rental car to XXXX in XXXX XXXX on XX/XX/2022. We never heard anything from XXXX until a letter from Viking Client Services, a collection agency, was received in the mail XX/XX/2022. The letter was notifying me that they were trying to collect a debt to XXXX XXXX XXXX. I immediately phoned Viking Client Services and spoke to XXXX XXXX and said it was sent to collection for reason # XXXX. She did not know what that code meant. I told her that this obviously was an error on and I would contact XXXX and XXXX XXXX XXXX. 
XXXX told me there was a transmission but since we had told XXXX that the Virginia location and amount of {$540.00} did not match my XXXX XXXX rental amount of # XXXX the transmission was declined. She suggested calling XXXX to explain the situation and XXXX would gladly transmit the amount owed immediately if we authorized it. I spoke to both billing and claims on XX/XX/2022 and XX/XX/2022 and neither department would work with me. I asked why I was not contacted regarding the matter and why they did not use the XXXX XXXX I gave the agent at XXXX in XXXX XXXX. No one had an answer for me and also proceeded to tell me that I was on the Do Not Rent list for both XXXX and XXXX. Lastly, I also asked what the collection reason code # XXXX was and they wanted to know where I got that information and then told me that was an internal confidential code that they could not share with me. This was clearly a mistake made by XXXX XXXX XXXX.
Consumer complaint received 2022-06-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (KS)

I received an alert from XXXX on XXXXthat an account was opened at Wells Fargo Bank on XX/XX/22 using my social security number. I called Wells Fargo and they placed a hold on the account. They told me they would send me a letter in 45 days and will not disclose further information. I demanded to be sent to their identity fraud department. After waiting on hold, I was connected to a representative who pretended she could not hear me and hung up. I called again and was on hold for 23 minutes, then disconnected.
Consumer complaint received 2022-06-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/XXXX I took a XXXX XXXX survey and was awarded a FREE gift. I authorized a XXXX shipping fee and I bought a memory card for XXXX with a total of XXXX. On XX/XX/XXXX the merchant withdrew XXXX that I did not authorize. I called my bank chase to dispute the XXXX charge along with the others because at this point I think I have been scammed. I requested a new card and thought the issue was over. On XX/XX/XXXX the merchant charges my account again for XXXX I called the bank and they advised they called me on XX/XX/XXXX and told me the merchant showed proof of tracking # and XXXX shipment information and that they would not return the XXXX to me. I did not authorize them to charge me XXXX for a free gift from a XXXX XXXX survey. I only authorized a total of XXXX which I have an email correspondent for but the email return address is a scam when you look it up on google. I called the merchant number chase provided because they said I had to call the merchant now because the merchant was not goin to return the funds back to me therefore chase recharged my account for XXXX. After speaking with the Rep from the number I was given she told me that there was nothing they could do because chase already did a dispute and the bank is supposed to refund me the money. All this sounds fishy to me. I had the Rep send an email to me stating why they would not refund my money after charging me for what was supposed to a free gift. She sent the email and I also have an order receipt which shows the XXXX XXXX XXXX XXXXXXXX and a XXXX XXXX XXXX  and XXXX shipping for a total of XXXX.
Consumer complaint received 2022-11-25
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)

I'm " XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-08-20
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. (MS)

Equifax is causing me severe financial hardship because of their unlawful practicing. Under 15 USC 1681 Equifax has repeatedly violated my rights and I will forced to sue Equifax and the CFPB if these accounts are not deleted from my credit report. 15 USC 1681 states that I have a right to privacy. I did not give Equifax permission to report these accounts listed below. 

XXXX acct # XXXX XXXX XXXX acct # XXXX
Consumer complaint received 2022-07-27
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act 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.
Consumer complaint received 2022-08-20
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (MO)

This is why I am going public. To warn and protect others from having a supposed representative calling from US Bank fraud department. I had never used XXXX nor even realized it existed. I was completely clueless and very panicked when a ( representative ) of US Bank fraud department called and said XXXX had been taken out of my savings account and telling me the steps I need to take to get it back. Let me repeat that someone claiming to be from US Bank fraud department contacted me representing your company from a number that is actually your fraud line department telephone number. My savings is almost wiped out and my bank account has been frozen for weeks now because of this. If you think I am going to let this go you are very wrong. And people need to be made aware of the scam using your bank. XXXX and XXXX XXXX