davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (MI)

My XXXX bank statement ending balance ( XXXX ) does not match the XXXX bank statement begining balance ( XXXX ) I believe this is intentional theft on the part of the bank. 


Cordially, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (LA)

Hello my paypal account is XXXX Few months ago I opened a Paypal account. 
as their Term of Services written in their website they have to offer users " buyer 's protection '' which means I have ability to dispute my transaction and get refund in case not receiving item or if item is " not as described ''. 
https XXXX XXXX you can follow this link. 

So I was sure that I was protected as long as using Paypal for online purchases. 
I made 4 transactions to a merchant on Paypal. 
-I received a letter for two of them ( and seller used them as tracking ) but it was letters that I'll receive my item soon and no need to worry and I opened a NOT AS DESCRIBED case -I didn't received anything for the other two transactions so I opened a " NOT RECEIVED case '' ... .. 

so I opened all of them on XX/XX/2021 and seller was supposed to answer until XX/XX/2021. 
But suddenly Paypal closed all of cases in seller 's favor on XX/XX/2021 and SELLER DIDN'T respond at all this is either a mistake for paypal or I think a fraud from paypal in order not to loose money. 

***** I have also seller 's emails to myself that he confessed he scammed me and I'm not gon na receive any item form him ( emails was sent from the email that he used on paypal ) case IDs was XXXX not received XXXX NOT RECEIVED XXXX not as described XXXX not as described
Consumer complaint received 2021-08-16
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: AFNI INC. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX ... XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-07-29
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

XXXX, XXXX, Experian, Have not been updating my credit reporting every 30 to 45 days I do believe this is retaliation from me filing a complaint against all three credit book bureaus and I like this problem to be fixed immediately it is preventing me as a XXXX on business from receiving funds for my business. Someone has gone in and changed all my personal information on my credit report and continues to do it in the credit bureaus are failing to report it to the consumer that this is happening to such as myself. From months I have been trying to build up my credit score and the credit bureaus were fused to report my good payment history.
Consumer complaint received 2021-07-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX, TransUnion, XXXX, Have not been updating my credit reporting every 30 to 45 days I do believe this is retaliation from me filing a complaint against all three credit book bureaus and I like this problem to be fixed immediately it is preventing me as a XXXX on business from receiving funds for my business. Someone has gone in and changed all my personal information on my credit report and continues to do it in the credit bureaus are failing to report it to the consumer that this is happening to such as myself. From months I have been trying to build up my credit score and the credit bureaus were fused to report my good payment history.
Consumer complaint received 2021-08-16
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: HW Holding, Inc (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... HWARFIELD ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-01-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LendingPoint Holdings LLC (CA)

On XX/XX/XXXX I took out a loan for {$8000.00}. I signed a contract that said I would be charged an armorization fee of XXXX but if I paid my loan off early I would get that back. I made 9 payments of the {$230.00} the told me to pay and each month my owed amount was always above {$800.00}. When I did the math that mean out of {$230.00} XXXX $ of each payment was going to interest if you subtract the XXXX from the XXXX, XXXX dollars i had paid. I was given a paper saying I would pay XXXX in interest over 60 months but just in the first 9 I had already paid over XXXX and my loan amount was still over XXXX When I asked they said it was correct so I sent them XXXX to pay off the loan however a payment came due before they got the check for XXXX and i had to pay another XXXX the sent me back XXXX after I complained however I should have gotten the XXXX back as well as not have paid that much in interest according to the armorization schedule I have. They have completely ignored me about this even though I have the contract that shows they now owe me money.
Consumer complaint received 2021-08-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2021-08-16
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: WAKEFIELD & ASSOCIATES, INC. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-08-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

" To whom it may concern '' As a consumer I should not feel the way I do! Terrible, Appalled, and Disgusted! It doesn't seem fair at all that the 3 bureaus ( XXXX  ) ( Equifax ) ( XXXX  ) continually go against laws that Congress has put in place for the consumer! My children my wife and myself should not be made to suffer for the bureaus lawlessness! I'm coming to you because of who you are, THE CONSUMER FINANCIAL PROTECTION BUREAU. The ones who help consumers by making rules more effective and enforcing laws so consumers can take control over there economic lives!

According to 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) Accuracy And Fairness Of Credit Reporting. Even if we just look at # 4 There in complete violation of my right to privacy! I've been over looking this for far to long and I'm sick and tired of it! Furthermore under 15 USC 1681b Permissible Purposes of consumer reports, I never gave them any written consent to report anything on my consumer report. I've called these bureaus numbers of times XX/XX/2021 even way before this date, written letters as well! It's always the same lie as if they can validate a debt. I am the consumer they can not validate a debt, to validate a debt is to access an action. I'm the only one who can validate a debt and any debt on my report is not mine! It's not true! According to 15 USC 1692a ( 3 ) I do not owe any debt and I am not obligated to pay any debt!!! Furthermore, Constitution Article 1 Section 10.

Another lie they told was they did an investigative report before. Well according to 15 USC 1681a ( E ) they have to do interviews with my neighbors, friends or associates. They never provided any information associated with me the consumer! I told the 3 bureaus that Medical Information is not supposed to be furnished on my report there a HIPAA Violation of the Fair Credit Reporting Act. And yet they still stand! XXXX XXXX has some for {$290.00} others are {$240.00} {$280.00}. XXXX has one for {$910.00}. XXXX has one for {$7300.00}. Again I've called written letters e.c.t. I want all these derogatory marks removed from my credit report at once. Thank you for your help. I am greatly appreciative!!!
Consumer complaint received 2021-08-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

Ive reached out to all three credit bureaus XXXX Equifax and XXXX XXXX Sending letters to request an inaccurate report be taken of my account. Its been over 30 days since I first letters and Ive received no response.
Consumer complaint received 2021-08-15
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CASH IN A FLASH INC (WI)

The original amount of the debt was {$400.00}, the loan was from cash in a flash, now it was turned over to XXXX XXXX XXXX and the debt amount has now increased to {$6700.00} and keeps getting higher by the week. It was turned into collections on XX/XX/2018. The inflated amount is totally insane.
Consumer complaint received 2024-03-26
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-16
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. (SC)

Im a victim of ID theft I took the legal advice I was given to send in report to XXXX  credit bureau with reports and my identity on XX/XX/XXXX and the XXXX after then mmm saying I didnt resend my drivers license the first time without my drivers license. So I called 5 different times and everyone I would get told different stories. The last time I talked with an agent was on XXXX and she told me that the fraud accounts were sent in for dispute through the furnishers, previous rep told me before her than the accounts she have been blocked immediately due to the proper documentation being sent in. To my knowledge its the law that if consumer send proper legal documents in they have to comply XXXX? So XXXX  and TransUnion did there part of the information XXXX shared with them. So the next day after talking to the XXXX  rep, I get an email saying that all the account disputes were updated, how were they updated if they were sent to the furnishers for Verification? Im being lied to and they are harmfully hurting me for these ID theft accounts I didnt do. I contacted FTC, attached is screenshots
Consumer complaint received 2021-08-14
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IL)

To whom it may concern The nature of this correspondence is to dispute the two XXXX closed accounts on my Equifax credit file. i have attached a document showing that items were not reporting on my credit file but they were in fact still on my credit profile and i have attached documents proving my case showing duplicate accounts. 

I had recently on XX/XX/XXXX file a dispute in regards to the account and the Confirmation number for the Equifax dispute is # XXXX i have attached the document to this dispute and on page 5 and 6 of the dispute you will see accounts number XXXX and XXXX and it says " The disputed item is not currently reporting on the Equifax credit file '', but it is still reporting and the full account number is not displayed in file but only part of the account is shown and those numbers are XXXX and XXXX which is the same as those accounts that were supposedly not reporting.
Consumer complaint received 2021-08-16
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)

While checking my credit, I noticed Equifax is still reporting wrong information on my report. I've been a victim of idenity theft. Equifax is saying the collection from FOCUS FINANCIAL IN THE AMOUNT OFF {$500.00} HAS BEEN VERIFIED, I FOUND THIS TO BE UNTRUE, BECAUSE XXXX  OR XXXX COULDN'T VERIFY THIS ACCOUNT AND IT HAS BEEN DELETED. EQUIFAX NEEDS TO FOLLOW SUIT AND DELETE THIS ITEM.
Consumer complaint received 2021-08-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (FL)

I almost finishing paying my car loan with an interest for 22.95 % and we got charge three different times miscellaneous fee. XX/XX/XXXX {$300.00} -- misc. fee {$25.00}. XX/XX/XXXX {$500.00} -- misc. fee {$160.00} and {$25.00}. When I contacted customer service they toll me is because I paid by phone in XXXX, XXXX and XXXX. I told them that i never pay by phone that I always pay online. The response was that they do not give the customer any fees back. It is very annoying to contact Santander, you never received any good response. They charge excessive interest!!!!!!!!!!!!!!
Consumer complaint received 2023-03-10
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. (NJ)

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

This account, dating back to 2018, has been reflecting on my credit report for five years, even though the full payment of {$1100.00} was made. Although Bank of America assured me that the account would be eliminated from the report after full payment, it has not been resolved yet. This situation has caused me significant personal strain, affecting my ability to secure housing and leaving me vulnerable to homelessness. I respectfully request that the account be removed from my credit report within the next 30 days.
Consumer complaint received 2021-08-14
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: EQUIFAX, INC. (TN)

Collector : XXXX XXXX  XXXX XXXX Account No. XXXX Balance : {$510.00} Collector : XXXX XXXX XXXX Account No. XXXX Balance : {$510.00} Collector : XXXX XXXX XXXX Account No. XXXX Balance : {$460.00} Collector : XXXX XXXX XXXX Account No. XXXX Balance : {$380.00} Collector : XXXX XXXX XXXX Account No. XXXX Balance : {$460.00} This is a formal complaint against Equifax, XXXX, and XXXX. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors. 


I have disputed these accounts several times because the date open is reporting inconsistently. The letters came back verified and the accounts are continuing to report errors after they claimed to have verified it. I have reason to believe that you failed to conduct a re-investigation of my disputes.
Consumer complaint received 2023-06-05
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: SYNCHRONY FINANCIAL (SC)

XX/XX/2023 and account was opened fraudently in my name with SYNCB/PAYPAL Bank . I contacted them on XX/XX/2023 and let them know it was fraudently opened without my consent. I them made a dispute with transition and put a freeze on all 3 credit bureaus.
Consumer complaint received 2021-08-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (KS)

We refinanced our VA loan, The Money Source purchaced the note. We then changed insurance companies, these are things that should be no big deal. But The Money Source 1 ) overpaid insurance company approximatly {$700.00}, and said we were approximatly {$2400.00} in arrears to the escrow account. We called upon recieving the information when we logged in to make the mortgage payment. They told us that it was due to insurance and taxes. We made an extra {$1200.00} payment to help, and now we owe {$2600.00} ( approximatly ). We called back and asked for explinations, got the run around and they finally admitted to overpaying the insurance. ( 2 ) The Money Source still shows us with a {$0.00} balance in escrow.
Consumer complaint received 2021-08-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (OK)

My name is XXXX XXXX and I used to sell on XXXX and receiving funds to PayPal, my paypal email address is XXXX PayPal closed my account 6 months ago with over $ XXXX holding from my account and I logged on my account a few days ago and found out that PayPal had transferred all my funds to themselves without any notice / email while they sent me an email earlier said I would be able to withdraw the balance in 180 days ( email attached ). 

No explanation why they took my funds out. I never wronged PayPal. Never had a negative balance. They just decided not to support my business anymore which I had no choice but to agree to as nobody would respond back to me why my account was limited. I was fine with it and moved on. Then they decided to steal the funds out of my account. It is not acceptable. 

I never caused any damage to them, or the funds would be reversed already I would require PayPal to return my money and if it doesnt come with resolution I am debating going to the media to investigate this and I will begin the process of taking PayPal to arbitration.