davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NC)

My PayPal was used to make unauthorized purchases of {$100.00} twice on XX/XX/XXXX. This was solved and I was refunded the money. I changed my PayPal email and password, ordered a new debit card through my bank and, and setup 2FA on my PayPal account. Then on XX/XX/XXXX, a money transfer of {$1200.00} was sent using my PayPal account, and a {$300.00} gift card was purchased using my debit card through PayPal. The {$300.00} charge was unable to be dealt with on PayPals end because it didn't show up in my account. However, I opened a dispute for the other transaction, only to have it be closed within a minute or two. At this point I called my bank ( XXXX XXXXXXXX XXXX XXXX ) and canceled my card, created a new email account and changed my Paypal password and email. The new email was used for the email setup part. 

When I attempted to contact PayPal via phone, I was told that they are not accepting phonecalls. I attempted to contact them through their message service on their site twice but was never transferred as promised by the service agents I spoke with. Before being " transferred '', both told me they would not give me a refund because the dispute was closed and had been labeled as " not unauthorized '', and it was impossible to open another dispute. 

When i checked my Paypal messages the next day, I noticed a reply from " me '' that was not made by me. This stated " no problem here, thanks '' or something to this effect. This message was sent at XXXX EST, a time that I was asleep and all my devices possibly able to access PayPal were off. From this I realized that my account had been completely compromised. This was the reason why my dispute with Paypal was closed so quickly. This is after changing every account setting and using every possible security measure. 

I also used virus and malware scanners on every single computer ( 1 XXXX and 1 PC ) I had ever accessed this account on. I also checked my phone for the same ( Android ). No issues were found. I am highly suspicious that this access is being made by an employee at PayPal, and my inability to contact them and have them investigate this has been extremely infuriating and has dealt me a great deal of anxiety wondering how much more my finances will be damaged. I had no other choice but to file chargeback disputes with my bank, and to close my PayPal account. 

As a final note, I recall the Paypal rep I spoke with after the XX/XX/XXXX incident telling me that the charges were made from the " same IP Address I used to sign in normally with ''. This is even more suspicious now after doing extensive virus scanning and my devices not even being powered on during the illicit message that was sent using my account. 

I am fed up with PayPal and their complete neglect of security and basic customer service. I will do everything in my power to warn others of this experience and hopefully prevent others from suffering from the same. Thanks.
Consumer complaint received 2022-04-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (IL)

I have process the amount of XXXX $ for medical emergency to pay medical bill and for prescribe medication it was urgent amount transfer so I accept sending the required amount in express manner As soon as possible and it promises that I will get into account in few minutes, and other side the patient is waiting to get the amount so that she can pay medical bills, the transaction I made was on XXXX XXXX XXXX pm CST time zone, and today is XXXX XXXX still I didnt recive my amount to the person, I tried calling them multiple time but every time there saying will process in next few hours, I heard this multiple when ever I called but its not yet processed, i request them to transfer my call to supervisor so I get answers that she is in a meeting will call me in next 15 mins but till now I have recive any call yet, the higher team doesnt want to come On call, it look like scam to keep people money and take interest on that amount, I request you guys to take a strict action towards them. Still my money havent been process today is 6th day. I need compensation from them, because of cheating on me and keep my money for there person interest. Plz take serious action on them and I want my money being processed and compensation for this on going delay
Consumer complaint received 2022-04-13
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. (TX)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : 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 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 2022-04-13
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)

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : 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 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 2022-04-13
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these late payments need to be updated.
Consumer complaint received 2022-04-13
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these late payments need to be updated.
Consumer complaint received 2022-04-13
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these late payments need to be updated.
Consumer complaint received 2022-04-13
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)

XXXX XXXX  on XX/XX/22 sold me a lemon. When they approved me. They only told me they were going through the bank XXXX XXXX. But they shopped around banks to get them selves the best finance rate where I would be paying XXXX a month. I returned the vehicle the next day and received 90 percent of my down payment back. XXXX XXXX XXXX, XXXX XXXX, And numerous other banks got my information. My social security and Id have been recently compromised. So Im just trying to stay on top of my credit
Consumer complaint received 2024-06-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tribal Lending Enterprise, Inc. (FL)

I took out a loan with XXXX loans in XXXX. I was able to make a payment but unfortunately I had fallen through hard times. On XX/XX/XXXX I entered a payment plan. I was able to make XXXX payments. The last payment I made was XXXX XXXX I checked my finances yesterday and I saw I didnt have enough funds due to an increase of expenses so I reached out to account resolutions and asked to remove my payment plan which was done. And I explained my situation. 

I reached out via XXXX  and CFPB on XX/XX/XXXX explaining the hardship I am in. I received a response from Ascend Loans on XX/XX/XXXX that they are willing to settle for {$910.00}. Since XXXX I have been struggling to make ends my expenses keep increasing. And I would like to how much I have paid while I was on the payment plan back in XXXX and to settle this account I have been previous customer with ascend loans since XX/XX/XXXX. I look forward to a resolution to this matter
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Experian/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : 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 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/ExperianXXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ; ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX
Consumer complaint received 2023-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (WI)

I have a Marriott Bonvoy Credit Card which I have had for over 20 years. I am supposed to receive Free Night Award ( FNA ) on my anniversary each year. I am also a Platinum Lifetime Member of Marriott. I never received my certificate in my email. I originally called Marriott who then told me to call Chase. I called Chase who said they were also not responsible and told me to call back Marriott. I called back Marriott and were told again to contact Chase. I asked to speak with a supervisor at Marriott but was told they were not able to do that. I called Chase again and was told it is a Marriott issue. After being on hold for 17 minutes, I was either hung up on or disconnected.
Consumer complaint received 2022-04-13
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. (TX)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$24000.00} ; XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX BAlance : {$0.00}
Consumer complaint received 2022-04-13
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. (TX)

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion/XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$24000.00} ; XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX BAlance : {$0.00}
Consumer complaint received 2022-04-13
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: LEXISNEXIS (NC)

Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2017-08-29
Product: Credit card or prepaid 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: U.S. BANCORP (GA)

Hello, I have no knowledge of these charges. I 've never heard of these transactions and I never gotten anything from them. 

XXXX/XXXX/XXXX XXXX : XXXX XXXX {$460.00} XXXX/XXXX/XXXX Auth : XXXX # XXXX {$89.00} XXXX/XXXX/XXXX Auth : XXXX XXXX XXXX {$360.00} XXXX/XXXX/XXXX Auth : XXXX {$3.00} XXXX/XXXX/XXXX Auth : XXXX {$1.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$10.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$28.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Euro {$10.00} XXXX/XXXX/XXXX Frgn XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8.00} XXXX/XXXX/XXXX Frgn Trans Fee-XXXX XXXXy XXXX {$0.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$850.00} XXXX/XXXX/XXXX Frgn Trans FeeXXXX XXXX XXXX XXXX XXXX {$25.00} XXXX/XXXX/XXXX XXXX Delaware De {$570.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX/XXXX/XXXX Frgn Trans FeeXXXX XXXX XXXX Pr {$5.00} XXXX/XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$52.00} XXXX/XXXX/XXXX Frgn Trans FeeXXXX XXXX XXXX Pr {$1.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX {$63.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$99.00} XXXX/XXXX/XXXX Frgn XXXX XXXXXXXX XXXX XXXX Pr {$2.00}
Consumer complaint received 2017-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: BARCLAYS BANK DELAWARE (MA)

Never had payday loans, never any mortgage but XXXX and XXXX 10yrs plus, one credit card in ten yrs XXXX  XXXX, one student loan 2016. This is all I 've had in ten yrs. 
Also I was denied for drugs alcohol n theft from work supposedly. I have never done a drug test for work and I have never stolen. XXXX says they do n't have info. XXXX trust out of XXXX main main office pulled back ground and has a ton of abnormal inquires n accnts I 've never heard of. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, other mortgages unknown to me, XXXX, XXXX XXXX, XXXX XXXX, tons out of FL, tx, ny, ok, mo, nv, ca, I mean every other state but mine mass. My family and I have been recent victims to identify theft. I need help clearing this from my file I have never ever been in this kind of situation I need help please.
Consumer complaint received 2021-05-18
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE (SC)

On my Barclay credit card from XXXX I had fraud. I tried to do the online dispute but it only let me do half of it. So I called in with the other half. Every time I call I try to tell them about ALL the charges but they didnt understand my XXXX and thought I was talking about one charge. This went on from XXXX till XXXX of this year. It was always we filed your dispute and it can take up to 90 days. So I would wait a few weeks and I see I still havent got professional credit. They say you are not responsible for these charges BUT you still get a bill each month which I did pay. Finally after going around and around I get ahold of someone a week or so ago and they didnt just hang up on me or put me on hold for a hour. They put the disputes in and I thought finally after months of this I got someone to actually get it right. Then shortly after I get a letter in the mailed they they denied my disputes based on I took to long. I never took to long! They just never could get it right.
Consumer complaint received 2024-01-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo closed the case and I had no help. As a customer of this bank, I demand that after all the evidence of fraud that they have given me and I send said evidence to the fraud office, I demand that they be responsible for paying the money that I was robbed, I have several late payments for my son 's school, my credit is destroyed because they do not want to help me, as a customer and American citizen I report once again to Wells Fargo because they do not help me resolve my situation.
Consumer complaint received 2022-04-13
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. (NC)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2023-08-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

PayPal and XXXX XXXX are illegally holding on to our former client XXXX XXXX paid and duly earned retainer fee of {$5000.00}. First this former client claimed she paid twice, which was proven to be a lie. Then she claimed she never received legal services, even though we provided a signed retainer contract plus a detailed itemized billing statement showing she did in fact receive legal services. PayPal and XXXX XXXX should not be allowed to replace the courts or judiciary but should only make sure that the client signed the contract and received the services. Please investigate and advise. 

Big Tech Payment Systems Are Slowly Replacing The XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-13
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I called capital one financing to get information I did not provide any information but I do have an account with them with prior cards and then noticed it on my credit report as a subject or a hard check which I did not authorize I did not provide any information nor gave them permission to do so I only called in for information general information
Consumer complaint received 2022-04-13
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. (NC)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.