davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IL)

XX/XX/2020 Someone hacked my paypal account and made multiple transactions to a total of {$1600.00} XXXX {$1000.00} paypal Instant tranfer to a prepaid visa card, which is not mine & {$660.00} from my bank Creditcard to a person named XXXX XXXX ( XXXX ). 
At the same time, this person has faked sending multiple amounts to my account and put all of them on-hold. 
Below are the amounts sent to me and put on hold Pending : XXXX XXXX + {$600.00} ON HOLD XX/XX/XXXX Held Money Received XXXX XXXX + {$650.00} ON HOLD XX/XX/XXXX Held Money Received XXXX XXXX + {$650.00} ON HOLD XX/XX/XXXX Held Money Received XXXX XXXX + {$200.00} ON HOLD XX/XX/XXXX Held Money Received XXXX XXXX + {$350.00} ON HOLD XX/XX/XXXX Held Money Received XXXX XXXX + {$500.00} ON HOLD XX/XX/XXXX Held Money Received Completed : VISA Card -  negative {$1000.00} XX/XX/XXXX Instant transfer using Card VISA Card XXXX XXXX - negative {$660.00} XX/XX/XXXX Money Sent These transactions were made @ XXXX while, I was out away from phones & computers, so no online activity from myside. 

It took a while to know what was happening and the first thing I did was to change the password for paypal account. 

Disputed the transaction ( Case : XXXXXXXX ) @ XXXX, hoping for a positive resolution and got a response @ XXXX that it is NOT unauthorized and denied my dispute. 
I tried calling paypal customer service ( for 3 consecutive days ) staying in the line for hours but no luck. Paypal agent mentioned that the person who did the fraud has claimed a dispute against me saying, I sold something to him and he didn't receive the product. Now paypal is investigating his dispute and declined my dispute transaction as authorized. Paypal is waiting for me to respond on his dispute, not sure what I can do here. 

I responded to my declined dispute email to provide evidence, on what basis my dispute is declined but haven't heard from Paypal yet. 
I even reported to local police station for record purpose and also reported to Complaint Referral Form Internet Crime Complaint Center. 

I couldn't reach the department which looks into Unauthorized transactions and help me resolve the issue, that is the reason I am here raising a complaint to reach Paypal team.
Consumer complaint received 2023-02-09
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. (TX)

Hi I was advised to reach out to you all about some accounts on my credit report that I dont know anything about. I went to the bank the other day to start the process to buy a home for my family and my banker was going on my credit and as she was naming things there are several accounts on there I know nothing about. Here are the items that needs to come off because they belong to someone else : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. There were also several inquiries that are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I really need help with this im doing this by myself and need some help.
Consumer complaint received 2020-09-28
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: U.S. BANCORP (MO)

On XXXX XXXX Reliacard deactivated my card for suspect fraud and said I had to fax current ID, social security card and previous years tax docs, I promptly did that and after 25 days they finally verified I was that actual person but they still never activated my card saying I had to go to local unemployment office and I did that and was informed by them that they were putting my weekly benefits on my card and had nothing to do with the deactivation. The Reliacard Representative then told me that the XXXX is holding up money and theres nothing they could do, now every thing in my house is about to be disconnected can you please help me
Consumer complaint received 2021-02-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (RI)

i have sent several letters and hired credit repair company they say i owe {$420.00} however this was a secured card and i gave them a security deposit of {$300.00} so the balance owed should only be {$420.00} they never applied the {$300.00} security deposit.
Consumer complaint received 2020-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

A THIEF HAS OPENED A FRAUDULENT ACCOUNT FORM BANK OF AMERICA, NAD I NEED THIS CARD TO BE REMOVED FROM MY CREDIT REPORT. REVIEWING MY CREDIT REPORT, THIS IS A SECURED CREDIT CARD, THIS ACCOUNT WS OPENED WITHOUT MY CONSENT, MY KNOWLEDGE, THE CHARGES ON THIS CREDIT CARD ARE FRAUDULENT AND SO IS THE CREDIT CARD. I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CREDIT REPORT. I AM A VICTIM OF AN IDENTITY THEFT, THIS IS A FRAUDULENT ACCOUNT.
Consumer complaint received 2023-02-09
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. (MD)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 12 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2020-09-28
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: TJC Mortgage, Inc. (GA)

We have been working with XXXX XXXX XXXX for a few months trying to close on our house. I was told to wire the closing Cost to the Title company so we could close the next day and then the next day I get a phone call from the mortgage company stating we have to live in the home for 6 moths according to the FHA identity of interest  certification. We have no relationship or are doing business with the seller.This should not apply.
Consumer complaint received 2020-09-28
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc. (MA)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-09-28
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)

I had previously informed you that account was being reported on my credit report, which was not mine. I am writing again, to request that you reinvestigate this account, and delete this. I do not have access to the documents related to this account, but the creditors would. Please note that for this, I believe that a relative that may have forged my name ( or used my personal information ), plus in order to take out this account without my knowledge, consent and permission. Therefore, please obtain all documents from any of this debt, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, NAME on the file and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.
Consumer complaint received 2020-09-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MoneyLion Inc. (NY)

In XX/XX/XXXX I reviewed my CBR and noticed a Money Lion account that I had not opened. This account was opened in XX/XX/XXXX. So I called them immediately. 

This account was opened with an e-mail, phone number and ADDRESS that was not mine and has NEVER been mine. I have proof of my address in a rental agreement, I had been at my residence for over 2 years when this account was opened. 

I contacted the agency ( Money Lion ) immediately in XX/XX/XXXX and they closed the account and sent it to the fraud department after VERIFYING WITH ME THE INFORMATION WAS NOT MINE. I was told this would be handled and would no longer reflect on my credit report. I have not heard anything from this company since XXXX. 

I disputed the account in XXXX as it was still showing on my report, and the company verified it on my credit report in XX/XX/XXXX. How can you verify an account that was fraud?? The address is not mine I have documents to prove where I lived in XX/XX/XXXX and it was not at the address they have listed for this account. 

I have called and they will not allow me to speak with a supervisor, they make you wait for a call back. I'm still waiting for my call back since XX/XX/XXXX. 

I called again today XX/XX/XXXX and was told by a representative that this account is still in the fraud department. I have given this company ample time to investigate and they have not done anything. I again asked for a supervisor and they denied me. I asked to speak directly with their fraud department and they told me that is not allowed. Why would I not be able to speak with the people handling my fraud case? 

It has been 7 months. They should have had an answer for me after 30 days. The account should have been removed after 90 days because the information is incorrect as it is a fraud account. It has been well over DOUBLE that time. I need this account removed from my credit report and they refuse to do it or let me speak with a supervisor or the fraud department.
Consumer complaint received 2021-06-26
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: Experian Information Solutions Inc. (MA)

On XX/XX/2021 I made a payment of {$750.00} to XXXX XXXX XXXX for a debt they acquired from XXXX. The original amount of the debt was {$3800.00}. 
Until today, the amount of debt shown is still {$3800.00} with {$0.00} payments. 
I disputed this with Experian and they concluded that XXXX XXXX was accurate. I then disputed again with a picture of the payment from my bank account to them and they just emailed me letting me know that XXXX XXXX XXXX has certified that the information they have is accurate and they will not change anything on my credit report. 
I will upload a picture of the payment and the decision from Experian. 
Im writing to you in hopes that neither one of these companies is able to get away with something like this. 
Thank you
Consumer complaint received 2023-06-30
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: Experian Information Solutions Inc. (NY)

Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX  XXXX  XXXX
Consumer complaint received 2023-03-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PlusFour, Inc (NV)

On XX/XX/2022, ( Plus Four Inc ) attempted to fraudulently collect a debt of {$63.00} that was illegally sold by actual creditor ( XXXX XXXX XXXX ). Debt was already paid to XXXX XXXX XXXX by XXXX XXXX XXXX XXXX. Not only did they attempt to collect, they caused defamation of character by reporting false signatures and information to XXXX, XXXX, and. XXXX. I did not give them permission to discuss or disclose anything about myself or my personal credit. They are violationg Consumer laws 15 U.S.CODE 1692 ( d ) & ( e ), 15 U.S.CODE 1681 ( b ) & ( c ). I will also bring a cause of action for tortious interference against the acting parties involved and seeking penalties under, 15 U.S.C. 1640- Civil liability section ( A-L ) monetary damages to be proved at trial. I demand that they stop this predatorily fraudulent misconduct ; revoke my signature for all unauthorized usage.
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (NY)

When XXXX XXXX  XXXX went into lockdown due to the COVID-19 pandemic, I lost my job and subsequently, the ability to make regular payments on my credit cards. I contacted all of the credit card companies - including Comenity Bank, which services XXXX XXXX customers - and requested that my account be placed into forbearance. I was told that I was placed into forbearance and that I would receive notice to resume payments in the mail. In mid-summer, I noticed that a delinquency from Comenity Bank was added to my credit report, which is inaccurate. I filed a dispute and called Comenity Bank, and was told that I never called to request forbearance - which is 100 % completely erroneous. The delinquency remains and it is negatively affecting my credit score. This is an egregious act especially during a very difficult time for those who have lost their job due to this crisis, and the only issue I am having out of all of the banks I work with is Comenity Bank.
Consumer complaint received 2021-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NM)

On XXXX/XXXX/20 I received an email from Experian stating that XXXX reported they had closed a credit line belonging to me on XX/XX/XXXX20. I responded to the email that my only XXXX line of credit, a XXXX credit card remains opened and in good standing. I also mailed a dispute to XXXX on XX/XX/XXXX20, Below, I have pasted information copied from the Experian website : On XX/XX/XXXX2020, XXXX XXXX XXXX has reported to Experian that they've closed a credit line with your account. 

Source : Experian Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX-XXXX Activity : Credit Line Closed by Credit Grantor Balance Date : XX/XX/XXXX2020 2020
Consumer complaint received 2020-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (AL)

I applied for a credit line increase with Goldman Sachs Apple Card. I received an email stating I was declined because of Serious Delinquency on my credit report for XXXX. So I called and asked for another review. They stated there must be a delinquency Im not seeing on my XXXX  report. I called and opened up a XXXX account to review my report. It states no serious delinquency in the past 7 years. I have been approved for increases on other cards but not with Goldman Sachs.
Consumer complaint received 2020-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLOBAL PAYMENTS DIRECT INC. (PA)

Global Payments Check Services recently closed the account in retaliation to me submitting a complaint to the Consumer Financial Protection Bureau. This breaches contractual obligations with respect to Consumer Finance Ethical Standards.

I don't appreciate the level of treatment I received by some of the people at this organization.
Consumer complaint received 2021-02-07
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 (MI)

I have a venmo debit card and on XX/XX/XXXX i lost my phone and wallet wwith debit card in it i have contacted them gave them all the right info and still can not get into my account because i also forgot the password i gave the lady all the correct info and sent picture of my i.d all that and after about n hr n the chat she was like i cant help n ended the chat i have over a XXXX dollars in my account but there is no way toget thru to a live person. Cause im still logged into tthe account on the phone i lost. She just was no help it is very simple i lost my phone ane card i need to be able to get into my acvount to order another one. But i cant do thr forgot password cause thr confrimation code goes to my old number i kno some one. Can help me with this thank ylu
Consumer complaint received 2017-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (CA)

I have contacted both the credit bureaus and Barclays on several different occasions to get my account properly listed as paid and closed. When I call Barclays they give me the run around and forward me to  XXXX   XXXX . When I speak to  XXXX   XXXX , they state they transferred the account back to Barclays and they simply need to report the account as paid and closed. I 'm having difficulty getting it corrected. It has now been 30 days so I need it deleted in compliance with ten FCRA.
Consumer complaint received 2020-09-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: RFNA, LP (MS)

XXXX and XXXX XXXX have a loan at Republic Finance XXXX XXXX XXXX XXXX, in XXXX, Mississippi. Phone # XXXX. We have our payment sat up on AUTOMATIC payment to come out the XXXX Wednesday of every month. We take the Money from my XXXX check and put it there for Republic Finance to take out. It has always been this way for 3 years. On XX/XX/2020 Republic took the payment out early which there was not any money there to be taking out. This was on a Monday. Monday morning I looked at our bank account and notice the loan payment had been taking out. Was not due for 3 days. I called Republic office to ask them why they took the payment out. I talked to XXXX XXXX about it. She said she didnt know it happen and would call me back. She called back and said she put it in Friday to be taking out. We got charged a overdraft for it. XXXX and I ( XXXX ) went down to see her about it and told them to pay the overdraft. They gave us a check for {$37.00} to pay overdraft. We told XXXX XXXX that we was not going to take it off automatic payment and it better not ever happen again. 
On XX/XX/2020 XXXX looked at our bank account and again Republic had taking another payment out of our account and it was not the day to be taking out. She called XXXX XXXX again about why they did it again. Same excuse as before, she put it in to take out. XXXX told her to take it off automatic payment and have the paper ready to sign that afternoon for her to sign and she would be there after she got out of school. XXXX couldnt get anything but excuses but no real answer from XXXX to why it happen. XXXX called the Corporate Office and talked to a lady name XXXX at # XXXX XXXX. XXXX told her she would have XXXX XXXX ( Regional Manager ) call her back. XXXX talked to him about the payment problem and what had happen on XXXX XX/XX/2020. Nothing but excuses from him also. As she talked to him about it, she said something about it happening before in XXXX. He didnt even know about it. After talking to him, come to find out it was sweep under the rug so it looked like no one would know. XXXX told him she was going to the office that afternoon to sign a paper to get the automatic payment taking off and to get another check for a second overdraft. XXXX went to office to see XXXX XXXX and the girl up front said she went to lunch. Who goes to lunch at XXXX knowing she told her she would be there that time. They tried calling her and she wouldnt answer her phone. She has not contacted us yet. Nothing. We did take it off automatic payment anyway. But we still have not heard from her or anyone about this problem. We hope we can get help and something is done with CFPB Thank You XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is a simple complaint against the XXXX XXXX XXXX. I have spoken with them both personally and on a conference call with a third party. Every time I spoke with them, they claim I don't have any XXXX  loans. The last time I spoke with them on the conference call, a XXXX from the XXXX XXXX XXXX stated that she can't find a single XXXX  loan with my name, address, or my social security number. When I then try to dispute the XXXX  loans with the credit bureaus, the results come back as verified. I even sent them certified mail back in XXXX of 2023 so they could remove these from my credit report and they claimed the account was verified! 

How can they be verified if the XXXX XXXX XXXX claims I don't have any accounts or that I am not found on any XXXX  loans? It's been months of trying to correct this only to not receive any help in doing so from either the XXXX XXXX XXXX  or the credit bureaus.