davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I sell stuff on XXXX through my own company XXXX XXXX, XXXX. I use PayPal as payment processor. PayPal charge back my account for an amount of {$1200.00} for an item I sold on XXXX on XX/XX/2018. The customer who bought this item from me filed a complaint with his credit card company and asked for a refund on XX/XX/2018. According to an email I received from PayPal, they told me that the customer claims that the item he received wasn't as described, which was so strange claim cause the customer waited 4 months to file such a claim and he is saying that item is not as described!!!. I replied to the email I received from PayPal and told them that it doesn't make sense that the customer claims that item not as described after 4 months. PayPal told me in another email that they will try to dispute the case with the customer 's credit card company. However, a few weeks later I received another email from PayPal saying that they couldn't dispute the case with the customer 's credit card company and now they refunded the money to him, and my PayPal account is now overdawn by the amount of {$1200.00}. I emailed PayPal asking them to investigate this case again cause I believe the customer is scaming me. First, since PayPal already refunded the customer, I beleive I should receive my item back from the customer, but I contacted to customer and he is not responding to my emails. I also found the the customer who bought the item from me, now he is selling the same item as used item on his XXXX seller account. So, that customer got his refund, didn't return the item to me, and my PayPal account is negative with amount of {$1200.00}. PayPal also sent my account to a collection agency which I received a ltter from them few days ago. I tried to speak on the phone with anyone from PayPal but I am not able to reach anyone over the phone. I sent PayPal several emails to their complaint department stating all the facts and asking them to at least to get my item back from the customer or bring my money back to my PayPal account, but PayPal never replied back to my emails. The PayPal case is ( Case ID : XXXX ). The customer 's name is : XXXX XXXX and his email is : XXXX. I would like the FTC to get involved in this case cause I feel that PayPal is not responding to my complaint and the least they can do is to force the customer to return the item back to me since they refunded him the money. Sorry for the long email and hope to get response from you soon. XXXX XXXX
Consumer complaint received 2018-10-19
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. (TN)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. N/A Equifax : XXXX  N/A Equifax : XXXX, XXXX XXXX:XXXX, XXXX XXXX XXXX : XXXX, XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX Equifax : XXXX, XXXX XXXX XXXX : XXXX XXXX : XXXX, XXXX Equifax : XXXX  Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX XXXX : XXXX.
Consumer complaint received 2018-10-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX contacted me about a debt of {$750.00} of a line of credit opened XXXX, last active XX/XX/XXXX. I explained it was not my debt. I instructed them not to call me to mail me and confirmed my home address. No mail ever came. They then called my employer with this same automated call. They continued to call me as well. I explained I was incarcerated in Georgia XX/XX/XXXX-XX/XX/XXXX and it was impossible I opened any lines of credit XXXX. He then went on to blame family members saying i guess your mother or sister did it. I again told him mail me the information do not call me. The calls were all 1-1 1/2 weeks apart. No mail came but AGAIN they called me and we had an altercation where he then proceeded to say my wife or boyfriend did it then. A letter showed up on XX/XX/XXXX finally. It was back dated to XX/XX/XXXX and said you have 30days to dispute these debts or we automatically deem them valid. Harassing and manipulating dates on mail to validate fraud of someone else is extremely disrespectful and unlawful.
Consumer complaint received 2016-02-25
Product: Credit card — 
Issue: Arbitration — 
Company: CITIBANK, N.A. (OR)

In XXXX I was forced into XXXX XXXX I was XXXX XXXX XXXX, XXXX I was hit with a bill from SS that they had overpaid me {$6600.00} I had 30 days to contest, now on payments. At the same time I was fighting to pay off my {$11000.00} medical co-pays & out of network expenses. By XXXX XXXX I was unable to keep up I defaulted on several unsecured accounts all but XXXX has now been resolved. I had called the account holders for relief, only XXXX agreed to help. Citibank refused any discussion or relief, told me basically pay up or else. I am now facing a judgement with Citibank as the plaintiff. I offered a settlement but they flatly refused. Telling me they would see me in court. I have nothing no assets, saving, uninsurable, unemployable & I 'm living on my SS.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2019-03-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (PA)

I was shocked when reviewing my credit report and found late payments on the dates below : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2023-10-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NY)

on XX/XX/2023 XXXX XXXX application refence number XXXX made a online extension to obtain money for personal reasons, i received a denial from Chase bank stating they would not approve my application due to the information they SAW on my consumer report, Please note this is the first problem i would like to bring forth because under the Fair credit reporting act 15 U.S. Code 1681b ( c ) ( 2 ) it Limits the information someone can received ( 1 ) ( B ) A person may receive pursuant to paragraph 15 U.S. Code 1681b ( 1 ) ( B ) ( A ) the name and address of a consumer ; ( B ) an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity. 

15 U.S. Code 1681b ( c ) ( 2 ) ( c ) Cleary states you can not receive information on me regarding disclosing any relationship with any particular creditor or any other entity, meaning you should not see any information between me and another person, in addition you are in violation of the FCRA 15 U.S. Code 1681b ( f ) obtaining of information prohibited A person shall not use or obtain a consumer report for any purpose unless ( 1 ) my consumer report was obtained for a purpose for which the consumer report is not authorized to be furnished ( 2 ) and there was no certified purpose in accordance with section 1681e of the Fair credit reporting act as prospective user to obtain the report through a general or specific certification.
Consumer complaint received 2019-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (IN)

There are two Chase Credit Cards showing up on my credit report. Ive reached out in writing multiple times asking them to remove their Trandlines from my credit reports. Unfortunately they chose not to answer my questions. If they answered the questions submitted, it would do a couple things. One, prove they loaned money from their own funds, which it would give them the right to collect on. Two, it  would prove that in the process of loaning, they followed the Truth and Lending Act when making a loan. They chose to ignore my questions and not take their Tradeline names off my credit report.
Consumer complaint received 2023-10-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc. (OH)

I believe that Mr. Cooper is in violation of the Truth in Lending Act. I originally received a mortgage from XXXX XXXX XXXX Bank on XX/XX/2015. My mortgage was first sold to XXXX  then to Mr. Cooper. I have requested from Mr. Cooper for a full account, disclosure and Validation of Debt of my mortgage with them. I contacted them through writing. In turn, Mr. Cooper mailed me copy of my mortgage, and a few printing pages of payments made, escrow and insurance and documents when they took over the loan but not a full account or disclosure per my request. 
I hired an expert XXXX XXXX XXXX, a Mortgage XXXX XXXX. From his report, there appears to be fraud because they are unable to provide the unendorsed Fixed Rate Note and the unassigned Mortgage. I uploaded some of the documents that I received for your review.
Consumer complaint received 2019-03-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (VA)

on XX/XX/XXXX XXXX XXXX put a collection on me for {$2500.00} for a hospital bill that was from a follow up visit for an on the job accident ... 
and i have a XXXX XXXX XXXX thru workers comp XXXX XXXX XXXX knew this because i was brought there bye ambulance on XX/XX/XXXX after a 60foot fall at work and they were told bye my lawyer that workers comp was paying all bills and do not send any of them to collection and they did it anyway .... 
my lawyer and i have both talked to XXXX XXXX XXXX  and the XXXX XXXX people ... and they refuse to remove it ... .the bill was turned into workers comp and paid in full yet i still get harassing phone calls from both of them threatening to damage my credit further and garnish my wages that i dont have ... when i am crippled for the rest of my life
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (VA)

I contacted XXXX to remove these hard inquires from my credit file and XXXX refuse to remove it from my file. I did not authorize these hard inquires on my report and i explain this to XXXX as well as provided a police report. there are also accounts on my file that i do not recognize that i have asked to have removed from all three of my credit files. The inquires and accounts still remain on my credit file. Here are the inquires as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Unauthorized hard inquiries To whom this may concern I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
1. ) XXXX XXXX dates XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX 2. ) XXXX XXXX XXXX XX/XX/XXXX 3. ) XXXX XXXX XXXX XXXX XX/XX/XXXX 4. ) XXXX XXXX XX/XX/XXXX 5. ) XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 6. ) XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 7. ) XXXX XX/XX/XXXX,XX/XX/XXXX, 8, ) XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX 9. ) XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 10. ) XXXX XX/XX/XXXX,XX/XX/XXXX 11. ) XXXX XXXX XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX 12. ) XXXX XXXX XXXX XX/XX/XXXX 13. ) XXXX XXXX XXXX XX/XX/XXXX 14. ) XXXX XXXX XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2018-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Contacted XXXX  three times now. Regarding the open status shown with my captial one credit card. It was closed last year with my Chapter XXXX bankruptcy. It still shows open over a year and a half later. Regardless of multiple contacts I've made to XXXX  and Capital One. Neither company has taken action to correct it, although both have made promises to do so. This is a clear violation of the Fair Credit Reporting Act.
Consumer complaint received 2016-07-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Asset Management Outsourcing, Inc. (GA)

Please refer to complaint number XXXX where the company provided the following response : " Our company received information that the account is no longer due, we have closed the account and it was never reported to the credit bureaus. We did not use " harassment tactics '', as the consumer claims. We received an account from our client and attempted to collect it. As soon as we received the updated information, collection efforts ceased. '' First, I have to disagree because there were certainly threats. Second, it should be illegal for a collection agency to attempt to collect a " claim '' of debt without verifying that a debt actually exists. Now, at this point, the company is sending bills, XXXX to be exact, on hospital letterhead that contains a phone number and PO Box associated with the collection company. When calling the number, the greeting used to answer the phone is " business office. '' Each of the XXXX bills have the same account number with the exact same content within the letter with the exception of the amount owed ... there is a different amount on each bill, yet it is the same account number with no other identifiable information such as date of service. The amounts claimed to be owed are the same amounts claimed to be owed previously! Thus, the attempts to collect CONTINUE despite the fact that there is no debt!!!
Consumer complaint received 2018-10-20
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. (NY)

This complaint is against Equifax. Equifax has been notified on 7 different occasions from myself and the better business bureau along with complaints with the CFPB concerning this wrongful account. Equifax has been given a hard copy of proof that this account is not mine, as i have done the work for them as they seem to not be able to handle such and use something called XXXX to verify accounts, instead of actual manual look up by a real employee of Equifax. I do not appreciate the defamation that Equifax has put on my personal information, and regarding their careless ways my information was stolen from their servers, now i must freeze my credit accounts and have placed fraud alerts on them. 
I do know by law and under the FDCRA, I will be awarded {$1000.00} for each wrongful mark that Equifax has placed on my report and this account is showing duplicate, that will equal out to {$2000.00} USD that I will be awarded. I will continue with the representation of a attorney if this account with the attached account number is not removed immediately from my file, as I have given enough proof with certified receipts and documents to Equifax and they continue to ignore this situation. This account is NOT MINE & NEVER HAS BEEN! XXXX
Consumer complaint received 2017-03-15
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: TekCollect Inc. (PA)

Debt was sold to a third party and i did not give permission to release my information to a debt collector. I am allowed under HIPAA to protect my privacy and medical records from third parties. Also the collector is not license in my state.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I am formally disputing the presence of unauthorized, fraudulent, and inaccurate information that appears on my credit report. This information has been unlawfully provided by creditors and reported by Transunion without my knowledge, consent, or any lawful basis. The reporting of this information represents clear violations of several federal laws, including but not limited to : - 15 U.S. Code 6802 ( regarding the right to opt out of information sharing ), - 15 U.S. Code 1681b ( regarding permissible purposes of consumer reports ), and - 15 U.S. Code 1681c-2 ( regarding the blocking of inaccurate information ).

In addition, the unauthorized use of my personally identifiable information may rise to the level of identity theft, punishable under 18 U.S. Code 1028A, and I hereby assert my rights accordingly.
Consumer complaint received 2018-10-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (VA)

XX/XX/XXXX My complaint : Navy Federal Credit Union drafted my checking account for {$540.00} on XX/XX/XXXX for a debt in my sons charged off checking account. My son and I have a joint savings account with Navy Federal. My sons checking and savings account was charged off on XX/XX/XXXX. I called Navy Federal today to ask for my money to be returned to my checking account and why would my checking account be effected because of a debt that has nothing to do with me and the Navy federal customer service rep as well as the supervisor in the Charge Off Department repeatedly told me because I was a joint owner on the savings account which has a balance of {$0.00}, and the money was then transferred to the checking account owned by my son only, his previous balance was {$5000.00} after my checking account from drafted his balance now is XXXX. I took my son to the police station back in XXXX to file a police report about the his checking account being defrauded by someone else because he lost his ATM card, and a check was deposited into his checking account. I called them back for a second time today ( XX/XX/XXXX ) at about XXXX and they let me know we were on a recorded line and talked with the customer service rep and supervisor but this time I was told a whole different story that the debt was now in his savings accounts which I am a joint owner on, but the debt owed had been in his checking account from XX/XX/XXXX until today according to the supervisor in the Charge Off Department. All the correspondence about XXXX XXXX XXXX Navy Federal checking account came to XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX was only addressed to him not me. His savings account had and still has a balance of {$0.00} according to the customer service reps that I talked with on Saturday, XX/XX/XXXX and today at XXXX XXXX XX/XX/XXXX. The information didnt change until I started to asked them repeatedly how am I legally responsible for debt in an account that is not in my name. I didnt know this was legal for them to draft my checking account to pay a debt that is not in my name. I just want my {$540.00} put back into my checking account. If you need more information please see my contact information below. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to be investigated and corrected for erroneous reporting in my file listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (FL)

I have been receiving multiple calls, sometimes at the same time to my land line and cellphone. XXXX account, was closed a long time ago with XXXX balance. The last time I bought something from XXXX XXXX XXXX was on XX/XX/2018 and it was paid in full with a credit card and not with the XXXX XXXX XXXX account. I checked this morning my XXXX   account and the balance is XXXX. I blocked the number but still received text message with link to check my XXXX  account. I am receiving text and calls from XXXX with the same message from XXXX XXXX who owns the account.
Consumer complaint received 2018-10-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.