davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-01
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (IL)

On XX/XX/XXXX I notified XXXX that they were no longer authorized to request a debit to my Paypal account. On XX/XX/XXXX I spoke with Paypal and informed them the XXXX was no longer authorized to request any amount in the form of a debit and/or refund from my account. Paypal then cancelled ALL agreements I made with their company authorizing XXXX to withdrawal from my Paypal account. After this, Paypal continued to honor ebay request. I filed 17 complaints with Paypal requesting to be reimbursed for the amount that again they was not authorized to sent to XXXX, Paypal then credit my account. 3 days later, Paypal reversed all the credits and placed my account into a negative {$970.00}. I am request a immediate refund an credit for ALL funds Paypal sent to XXXX after XX/XX/XXXX.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1200.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$4900.00} ; XXXX XXXX XXXX Balance : {$6300.00} ; XXXX XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX XXXXXXXX Balance : {$6200.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2020-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CT)

TWO ISSUES : ONE : On XX/XX/2020, American Express incorrectly posted and reported a payment made. The payment was a single check, a single payment in the amount of {$4000.00}. American Express posted it as two separate payments of {$3100.00} and {$900.00}. A payment dispute was submitted and American Express failed to fix the error. Their dispute response website provides little to no information at all. It just indicates the dispute is closed but it was not fixed so I dont know how they can close it. They also state, refer to the communication we sent. American Express has not issued any communications. This is not the first time there has been an issue with the application of the payments at American Express. They really struggle with what should be a simple process. 

TWO : American Express continually keeps sending emails with the subject line, You have a message. The emails provides instructions to either click the link labeled, view message or go to the URL : americanexpress.com/messagecenter when logged into the account. The view message link does not work and the URL ( americanexpress.com/messagecenter ) does not work. There is no message center anywhere on the online account. American Express has been told this before, yet, they continue to send this email message. Its not a valid email. It is suspected that American Express, cunningly, using this as a way to say they sent communications/correspondences, when they clearly have not. Its a sham. 

Attached are accompanying screenshots.
Consumer complaint received 2020-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2020 I received information from XXXX that an investigation was done on my behalf to prove that this account was mine. I still havent received any information as to the accounts listed in my Initial disputes. For instance, they are four XXXX XXXX Accounts that are questionable. I have yet to received any written documents stating these account are mine with my signature. They keep stating that they verified these accounts but I have yet to receive anything that states these account belongs to me. This is the second request for these items. Per FCRA 601. ( A ) by Federal Law Im supposed to received written documentation stating with my signature showing these accounts are mine. Without that, these accounts are to be removed from my credit files immediately.
Consumer complaint received 2020-07-01
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

I submitted two Requests for Mortgage assistance to Carrington Mortgage. I submitted one in XX/XX/2020 and another in XX/XX/2020. 

Both RMA 's were canceled because " I failed to forward the documents to complete my application. '' Regarding the XX/XX/2020 RMA Carrington continued to tell me that I did not comply with their requests for documents that they stated were missing from my application. The fact is I sent the documents on three occasions and the said the documents were not received, therefore my application was canceled. 

At this point, I began to investigate why they did not receive my documents and I discovered that the Carrington representative had given me an incorrect email address to forward documents. ( attached # 1, 6 examples ). The correct address should be : XXXX, instead they gave me this email address : XXXX. 

The email address they gave me was missing the S in the word assistance. 

The second time they canceled my RMA was because I stated on the RMA that I had " rental income. '' I do in fact have rental income on another property I own. Their Statement to me was, " That I falsely stated that I had rental income on my primary residence. The form in part, ( attached # 2 ) is clear in the question ; " Do you have rental income? '' I answered the question factually. I do have a rental income. It is not generated from this property, but I do. Because Carrington felt I was being deceitful they canceled my RMA, again. On a three-way phone call to Carrington with my HUD counselor on the line, a Carrington representative admitted that they made a mistake in canceling the  second RMA, but this action was irreversible and the application could not be

rein stated.

At this point, Carrington has accepted my third RMA and it is now in underwriting, but they refuse to confirm that the XX/XX/2020 sale date has been postponed pending the outcome of underwriting 's decision.
Consumer complaint received 2022-11-04
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. (CA)

I am writing the because I have reached out to the credit bureaus about inaccurate information on my credit report and I have not been getting any response back In accordance with Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX MN, 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 2020-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY (DC)

I already have been waiting fifteen days to get a banking statements for the last eight months and have been with this financial institutions for the last three years? What I find remarkable to be a finanacila institution and not be able to furnish bank statements? I am very appalled and upset? Especially when you have double standards and certain special procedures? I was hopeing for the last three to four weeks if you can find out why American exspress debit credit card can not send a ( 6-8 ) months bank statements please? And if you are able? to find out please? I would appreciate an honest answer? Or possibly the report from there institution asap? sent to ; XXXX, XXXX  XXXX XXXX
Consumer complaint received 2022-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NV)

Navient sent false information on XX/XX/XXXX, regarding a notice to re-certify ( XXXX  ) plan. In which they stated that a payment is due next month by XX/XX/XXXX. However, the email was a reminder notice to re-certify the ( XXXX ) plan by the end of the month. The federal student loan forgiveness program under Biden 's plan has made it clear that a payment pause has been suspended ( from XX/XX/XXXX, through XXXX XXXX, XXXX ). The federal payment pause is officially scheduled to end and will resume on XX/XX/XXXX. 

XX/XX/XXXX student loan servicers should begin reaching out to borrowers with remaining loan balances to remind them that their payments will be restarting in XXXX. 

Navient practices are predatory and are not compliant under Biden administrations program. I'm asking for Navient to cease all predatory practices and comply with the deadlines. Because of this violation I'm asking for an extension on the ( XXXX ) plan.
Consumer complaint received 2022-12-03
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 ()

my names XXXX XXXX XXXX. i noticed in XX/XX/XXXX that my paypal account was limited they asked me to submit a bank statement which they confirmed they accepted as well as a photo id of a drivers license, they said it the id i sent and the name on the paypal account didnt match which i found weird i thought maybe i had sent in the wrong id since i also have my daughter 's ID on my phone. a day after paypal permanently limited my paypal account due to inconsistency with user agreement, i had a balance of XXXX on my account which thy have been not allowing me to withdraw since the end of XXXX. i have contacted paypal on the phone they and got different answers from different people i spoke to so i was unsure what was going on they referred me to to a new method of submitting the proof of ID, this time i made sure i sent the right one however they still denied my appeal ( XX/XX/XXXX ) and refused to remove the limitation i have contacted them almost everyday and none of them still have been able to help me, they want to hold my money for 180 days before the funds are released to me and there is even a chance the money will be kept by the them, i find this to be very unfair practices and would like this matter resolved. paypal reference : XXXX paypal email : XXXX XXXX
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.
Consumer complaint received 2022-07-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL)

On XX/XX/2022 I did a transaction online which is {$1400.00} to deposit on my cousin bank account which is XXXX XXXX XXXXXXXX XXXX ( XXXX ). The money never get to my bank account. The transaction reference # XXXX. I included a copy of the transaction. I called them and file a claim they ignore it. They keep telling me it is under investigation. I contacted my bank which is wells to file a dispute they told me MoneyGram denied the dispute. When I called MoneyGram back they told me they are already issued a refund to the bank. When I called the bank they said no refund issue. I need to recover my money. I include a bank statements showing money never deposit on the receiver bank account.Please, I am looking forward to hearing from you.
Consumer complaint received 2020-07-01
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: LEXISNEXIS (AL)

ATTN : FACT Act Dispute Request, XXXX. XXXX  XXXX, XXXX, GA, XXXX To whom it may concern I have recently received a copy of my Lexis Nexis report and I see that you may be the nexus of all the incorrect information reporting to the credit bureaus. I will go section by section of the incorrect reporting so it will be easy for you to correct and delete this. 

In the address section of this report, you have a USPS date last certified XX/XX/2020 : XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX HOW CAN I HAVE 5 DIFFERENT ADDRESSES AT ONE TIME?? 

My only address other college has only been XXXX XXXX XXXX XXXX XXXX, AL XXXX. I have proof of this with my drivers license and my bank statement I keep providing to you. If you would simply do your own investigation and reach out to these addresses you will know I have never lived at these other places. 

In Section 1 you have multiple instances of the name MR XXXX XXXX XXXX. My name has never been XXXX. This incorrect name is also only attached to incorrect addresses, not my actual address. The fact you have an incorrect name lets me know you have done no research or due diligence into the protection and accuracy of my data. 

In section 3, in the Educational Records, you have me attending XXXX  XXXX University. The reported age is XXXX! Im XXXX now and I am attending XXXX XXXX University! I have proof in the form of a transcript. Where are you getting this information from??? Are you suggesting I live at 5 different places AND attend multiple schools at the same time? You dont even report my actual school! 

You can not keep saying youre verifying information when all you are doing is typing my name into a database and it is spitting out the same incorrect information. Call these people, call the courts, call the owners of these homes, and verify it that way. Ask for my signatures and ACTUAL proof. Otherwise, you are just wasting my time and deteriorating my quality of life because of your incorrect data. If you do not correct this, I will be seeking damages in court. 

Resolution Remove all incorrect names, addresses, schools, and public records attached to these incorrect names and addresses. 

Proof of Incorrect Information ( Attached ) Proof of Address ( XXXX XXXX XXXX XXXX XXXX, Al XXXX ) Drivers License, Bank Statement, Transcript Proof of Identity Theft Police Report Proof of School Transcript
Consumer complaint received 2023-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (FL)

I had a ststement of {$1800.00}, serving billing period XXXX XXXX, payment due date XX/XX/XXXX, from my credit card ending XXXX Visa of Wells Fargo XXXX 
I schedule to my bank XXXX XXXX  to make a payment on XX/XX/XXXX ; I checked the payment done by XXXX XXXX  and I read the statement done to Wells Fargo on the date scheduled, XX/XX/XXXX. 
Suprisingly, on XX/XX/XXXX, i received an email from Wells Fargo saying thet my statement mentionned above is due. 
I respond back that my payment transaction shows on my account with XXXX XXXX that was done on XX/XX/XXXX. After that I called XXXX XXXX to confirm that my payment was done as shown on my account, they said yes was done, maybe Wells Fargo did not clear the payment. 
I called Wells Fargo, I told them that my payment was done by my bank, they said they did not receive any check, to wait until Friday XX/XX/XXXX to receive the payment check. 
On XX/XX/XXXX I received the next statement, where I noticed I was charged with a late fee {$25.00} and a charge named total interest {$40.00}. Considering my payment done on time, XX/XX/XXXX, show my wright attitude as a customer, the late fee and other penalty charge is for people not willing to pay, or showing a consistent intention to pay late, I alloways pay full and on time.
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Upon analyzing my most recent credit reports, I discovered that my personal credit file had been given inaccurate information. Experian, XXXX, and XXXX have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i and 605b, and have continued to report unverified information without providing the documentation needed by law. The 3 Credit Bureaus have failed to properly identify and present any verifiable proof within the required time frame permitted by law. The information below is false, and I never gave permission for my credit to be accessed. They have neither removed these inquiries from my credit report or given me a written authorization. I'd like the following inquiries to be stopped : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX NA., XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2022-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The TransUnion credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable information below : XXXX XXXX
Consumer complaint received 2020-07-01
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: CITIBANK, N.A. (NY)

Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act.Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Consumer complaint received 2022-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2022 I received a fraud alert from the company that monitors my credit about an inquiry from XXXX Bank. I called XXXXXXXX XXXX and learned that someone using an address in XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ) had tried to open a credit card in my name and social security number. I advised them that the application was fraudulent and they closed it. I have had accounts with XXXXXXXX XXXX in the past, but none for many years. 

Also on XX/XX/2022 I received an email and letter from XXXXXXXX XXXX saying that my application for a credit card had been declined. I called and told XXXXXXXX XXXX that the application was fraudulent and they closed it. I have other open accounts with XXXXXXXX XXXX. 

I contacted XXXX, XXXX, and TransUnion on XX/XX/2022 and had a credit freeze placed on all three credit bureaus. 

I filed a police report. XXXX and XXXX have removed the hard inquiry from XXXXXXXX XXXX. TransUnion has refused to do so.
Consumer complaint received 2020-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute the following information that appears on my credit report from XX/XX/XXXX : XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$580.00}. I am a victim of identity theft and I never opened this account. 
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$10000.00}. I am a victim of identity theft and I never opened this account. 
XXXX XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$2900.00}. I am a victim of identity theft and I never opened this account. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$10000.00}. I am a victim of identity theft and I never opened this account. 
Collection account from XXXX XXXX with account # XXXX and a balance of {$600.00}. The original creditor is XXXX. I am a victim of identity theft and this debt is not mine. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
Sincerely, XXXX XXXX