davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc (MA)

I am contacting you concerning the current negative balance reflected on my PayPal business account and the recent communication about the debt recovery process. I wish to address several critical points regarding this matter.

Firstly, it is essential to note that there are unresolved payment disputes pertaining to chargebacks, as evidenced by the account 's Resolution Center status, which clearly shows ongoing reviews for cases dated XX/XX/XXXX. These unresolved disputes directly impact the accuracy of the alleged debt amount. In accordance with standard financial practice and fairness, it is premature to engage in collections or assert a definitive debt amount while these chargebacks are not yet settled. 

" XX/XX/XXXX, and XX/XX/XXXX, you received five credit-card funded payments totaling {$22000.00} '' Secondly, as the account in question is a business account, I wish to clarify the distinction between personal and business liabilities. The PayPal User Agreement does not explicitly transfer the liability of business debts to the business account administrator. As there has been no personal guarantee agreement signed by me, nor is there a provision within the User Agreement that implies personal liability for business account debts, the pursuit of personal liability for these business debts is not substantiated by the terms of the agreement. 

Case ID Type Reason Amount Last updated XXXX XXXX XXXX refund or credit Lost {$2000.00} USD XXXX XXXX Chargeback Unauthorized transaction Lost {$5000.00} USD XXXX XXXX XXXX XXXX XXXX Lost {$4000.00} USD XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Liability for Unauthorized Transactions , '' " Resolving Disputes, Claims, and Chargebacks, '' and any provisions about business accounts and operations.

The separation of business and personal accounts within PayPal 's system is a recognition of the distinct legal and financial entities that these accounts represent. Therefore, debts incurred by the business should not be personally attributed to the account administrator without a clear and explicit personal guarantee or contract that establishes such responsibility.
Consumer complaint received 2024-05-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (FL)

None of these charges are legitimate. I reported this multiple times in writing and Chase failed to acknowledge the dispute. This is NOT a duplicate report, these charges and disputes have NEVER been addressed. It is illegal for chase to refuse to dispute charges according to the law and they continually ignore dispute requests sent in writing. 

All the charges in the screen shots were made in a foreign country. There was a scam going on at the establishment where they added extra items and extra XXXX to the bill to inflate it by XXXX.
Consumer complaint received 2024-04-22
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE (FL)

Upon looking into my account and noticing there was still an astronomical balance due, despite having sent multiple money orders for months prior, I requested for a money order refund online. After further investigation of receiving a photocopy of the money order, the payee that appeared on the money order was not that the money order was made payable to. I filled out, had notarized, signed and sent in a forgery affidavit, the original recipients and original money order recipients ( back completely filled out ) to : Western Union Financial Services , Inc . 
XXXX XXXX XXXX, Mail Stop : XXXX XXXX, CO XXXX I have called and spoken to three live representatives-all representatives really could tell me nothing other than a money order refund was in process ( it has been processing since XX/XX/2024 ), I have sent emails ( received a generated automated response reply ), sent multiple letters by mail to request a status update on this matter in hopes to recover what has been forged/stolen.The original money order numbers were : 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  This is quit a bit of money for me, and it all still needs to be paid to its original purpose.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Most recently XX/XX/2024 ( although this has happened literally dozens of times over the last few years ) two Bank of America credit cards where charged by an entity calling itself XXXX XXXX. ( in fact no such business exists ). 

On XX/XX/2024 two separate charges in the amount of {$100.00} and {$50.00} were made to one account ending in XXXX from XXXX XXXX. This is a new replacement card which has recently been received by me. This same process has been repeated several times on different B of A credit cards. 

I call and file reports evert time and Bank of America says they are investigating but they keep letting the Person or business do this over and over again. My identity has been stolen and that is registered with all three credit reporting companies. Please make Bank of America do something about this! 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (TX)

After reviewing my EWS account, I noticed an account that was not familiar to me. I sent a validation letter to EWS requesting information regarding the listed account. I have yet to receive any information that justifies the reporting of this account on my EWS report. Please find the account listed below and validation letter sent attached. 

Alleged Bank Name : XXXX XXXX XXXX / XXXX XXXX XXXXXXXX Texas  Alleged Account : XXXX
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (VA)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-06
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: EQUIFAX, INC. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Peoples Commerce Inc (PA)

Peoples commerce inc XXXX XXXX XXXX XXXX  XXXX pa XXXX This account is paid in full and is closed. This company no longer exists as well. Its reporting on my credit as paid in full and last update XX/XX/year>. Status also reports pays as agreed. Paid off 100 percent. This account is reporting a balance of XXXX . Please remove this from my credit report. Date opened is reporting XXXX XXXX. 
Contact number for this account is listed as XXXX XXXX  This is reporting on my XXXX.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2023-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I sent money to my credit card by accident on XXXX/XXXX, I called my credit card company on the same day requesting for those funds to be sent back to me via my checking account. The amount was for {$4500.00}, I was trying to send it to my daughter for her payment of rent, security and brokerage fee for her new apartment. I called Bank of America every 3 or 4 days to check in receiving my funds back because I stated I needed to pay my rent therefore it was a hardship but every time I call they give me the same information 3 to 4 business days. Please help I need my funds now.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Email : XXXX I have been trying to get the clear for 3 years now. My address, phone and email are above. Remove all addresses other than the one listed, I have never lived in Florida. This is my life and my informarton I need you to get this corrected. I just viewed my credit report and this is destroying my credibility. 

My one and only First and last name is XXXX XXXX XXXX and I have no other names or aliases. Please remove all other versions of information from my report I am requesting you remove all information that is incorrect. I am including my notarized License that I sent you all for up to two years now. Update my identifiers. 
USING YOUR INDIVIDUL WEBSITES DONT WORK Equifax you cant even reset a password, XXXX wont allow you to update or even dispute, XXXX does everything for payment 15 USC 1681 e ( b ) Accuracy of report 15 USC 1681 1i ( 5 ) Treatment of inaccurate or unverifiable information 15 USC 1681 i ( 7 ) Method of verification 15 USC 1681 B permissible purpose Since fraud has picked up so much I will only reply bye email or if I am in an office in person
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I am aware that FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccurate reporting. According to the law, I am entitled to {$1000.00} for each incorrect entry on my credit file.
Consumer complaint received 2016-05-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (OH)

Your submission, [ Case number : XXXX ] XXXXXXXXXXXX how do I get this counselor I believe everything they are doing to me is illegal and I am being treated unfairly I still have not gotten any paperwork from them other than the paperwork I will be sending them back for my situation. They returned my XXXX dollars I sent to them they would not except it like always they deny my payments. I send to them.They lied and told me they never received that check when they did. I ca n't control the mail or how long it sits on there desks before they decide to process it. I have been lied to time and time a gain from there receptionists who answer calls and managers and supervisors and they will not assign one case manager who knows exactly what is gonging on with my specific case. I believe the are in fraud for WI standards and need help. Were do I go from here are there XXXX lawyers who may help me with my case against Nation Star. Thank you for your time and help XXXX XXXX
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX  XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$190.00} XXXX XXXX  XXXX Balance : {$35000.00} XXXX/DEPT OF ED XXXX Balance : {$5200.00} XXXX/DEPT OF ED XXXX Balance : {$5600.00} XXXX/DEPT OF ED XXXX Balance : {$13000.00} XXXX/DEPT OF ED XXXX Balance : {$6500.00} XXXX/DEPT OF ED XXXX Balance : {$120.00} XXXX/DEPT OF ED XXXX Balance : {$6600.00} XXXX/DEPT OF ED XXXX Balance : {$7500.00} XXXX/DEPT OF ED XXXX Balance : {$6100.00} XXXX/DEPT OF ED XXXX Balance : {$1900.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$4800.00} XXXX  XXXX Balance : {$11000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$5600.00} XXXX XXXX  XXXX  ( Original creditor : XXXX XXXX ) XXXX Balance : {$300.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX ( Original creditor : XXXX  ) Balance : {$540.00}
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-15
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. (IN)

My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.I also have no knowledge of obtaining any of the inquiries listed here. 
XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXXK Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/2021
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Affair : Formal Complaint to Remove Late Payment Record from Credit History Dear CFPB Representatives, I am writing to you to file a formal complaint regarding a late payment recorded in my credit history that I believe is incorrect and unfair. 

Complaint Details : Consumer Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, SC XXXX Account Number : XXXX Financial Institution : XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-04-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I consistently make timely payments. I am confident about this. What I'm uncertain about is why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing errors should be rectified, or else they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX FIN XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6800.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX Balance : {$9500.00}