davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2020 I was notified by email and push notification on my cell phone that exactly {$500.00} cash was withdrawn at a XXXX location via my PayPal account. Per the PayPal application on my phone this happened at XXXX XXXX  PST. Within minutes after receiving the notification I contacted PayPal to let them know of the unauthorized transaction. They said they would open a case and it would be no problem getting my money back after they looked into it. 
After not hearing back from PayPal for days, I reached out to them. They told me that they could not prove any fraud and they had to deny my claim. They claimed they could see the transaction was done on my IP address that I have used to sign into Paypal before and they claimed it was done on my cell phone which I have used to sign into Paypal before. They also said XXXX is required to check photo ID when anyone does a cash withdrawal. 
I asked PayPal to tell me which XXXX the transaction occurred at. They told me they could not provide this information. I went to my local XXXX in XXXX  XXXX, California and they told me unless Paypal can provide the location that it happened they could not pull the security tapes to prove I was not there making any cash withdrawal. 
After calling Paypal back multiple times and explaining the issue they claimed to have reopened the case on two separate occasions. After giving them every opportunity to correct the issue and having them never proactively reach out to me to follow up on any of their investigations it is clear that in their mind no fraud has happened. 
I am the only person who has access to my PayPal account and I have not had an ID stolen or lost. I never even knew you could withdraw cash through PayPal at a XXXX and am 100 % certain this is fraudulent. 
After giving up on my attempts to solve this with Paypal I took to the internet to find any further information. One of the first things I came across after a quick XXXX search was this : https : //www.paypal-community.com/t5/Disputes-and-Limitations/Unauthorized-withdrawal-through-XXXX XXXX  This is a forum post on Paypals own forum website. Dozens of other people have had this same issue surrounding cash withdrawals at XXXX locations through their Paypal accounts. Most of them had exactly {$500.00} cash withdrawn as well. I brought this up to Paypal and they just dismissed it choosing not to even acknowledge its presence. They just say their team looked at the case and denied the claim. They claimed I was talking to the highest authority they had even after I let them know I was taking this to the consumer financial protection bureau if there was nothing else they could help with. 
Please help put a stop to this scam and let me know how else I can help to get this sorted out on a personal level and for potential victims in the future. 

my Paypal account is under my name and/or my phone number.
Consumer complaint received 2021-08-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (CA)

I was leasing a XXXX but decided to purchase it with a loan from Chase Auto back in XX/XX/XXXX. Registration for my car was due in XX/XX/XXXX yet I never received a renewal notice. Upon contacting the CA DMV they stated that Chase Auto incorrectly submitted title paperwork back in XX/XX/XXXX and that it was rejected the same day. No attempt was made to remedy the error on their behalf. I was unaware of the situation till XX/XX/XXXX and I have been calling Chase Auto weekly in order to try and get the problem resolved since I can not legally drive my car. Unfortunately there is no direct number for the department in charge of titling and DMV paperwork and each time I call I just keep hearing Oh theres no update on your account but a manager is working on it and it has been expedited. As of now the DMV states that no one from Chase has submitted anything at all which leaves me in the exact same situation since I can not register my car.
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Have Tried to contact Transunion Customer service and they were not helpful/ didn't want to help- Have also attempted to dispute online and ail in letters into them as well with no avail and no update or any communication from them. It has now been 2 months and every attempt has been unsuccessful. The information displayed on my report is not accurate and is vastly different from other Credit Reporting Agencies. Specifically Transunion is showing 50+ Inquires that are not mine / were no authorized pulled by me. 

Inquiries In Question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were not authorized by me nor do I have any part in them - They have been discovered during a review of credit reports. As previously stated I have contacted customer service, sent letters in the mail several times and have gotten no help or resolution as if they want them to remain and don't care about accurate consumer reports. This is the only credit union that refuses to help- XXXX and XXXX have gladly resolved these issues and cleared and deleted them while Transunion does nothing I would like these removed ASAP from my credit file or I will pursue an attorney to get this resolved - I am trying to do things the proper way and they are failing to help me as the consumer by ignoring everything I send them and customer service refuses to help as well and says to impute them and then nothing happens. This is getting ridiculous.
Consumer complaint received 2021-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Access Receivables of NC Inc. (MD)

This is another complaint being opened against access XXXX XXXX and the I will keep complaining about them because they were caught in a lie in a previous complaint. They were reporting that I owed {$2500.00} to the credit bureaus although XXXXXXXX XXXX took care of the balance internally. The company responded that the balance was for {$1700.00}. For the past 4 years they have been reporting the same balance of {$2500.00} and verifying with the credit bureaus that this amount was correct. Today they admitted the balance was {$1700.00} which is what Ive disputed several times and they refused fo update which is a violation of FCRA. I have pulled multiple versions of my credit report and the amount has always said {$2500.00} which was inaccurate. They even reported in XX/XX/XXXX that I paid them directly {$2500.00} which now has re-aged the date of last activity on my credit reports. There should have been any update of date of last activity because theres no activity on a collection account with a XXXX Balance! I have attached the previous CFPB complaint that shows the inconsistency of them never properly verifying the debt. I have proof of payment from the university directly. They said the pay off date reflected as XX/XX/XXXX and per the attached credit report from XXXX XXXX, the balance pay off date reflects XX/XX/XXXX. I asked them to provide the actual contract between XXXX and their company but they refused. XXXXXXXX XXXX provided the proof of our agreement but I do not have anything from this collection company. They have not properly validated the debt and have lied about their attempts to do so to the credit bureaus. if this isnt deleted off my report. Immediately, I will submit this entire file to a lawyer. 

They also never provided me with my initial 30 Days to validate the debt letter. This should have never ended up on my credit report.
Consumer complaint received 2021-04-14
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. (PA)

I like to file a dispute for unidentified fraudulent items on my credit report for the following : XXXX XXXX XXXX and XXXX  XXXX  XXXX  XXXX. I also like to dispute these fraudulent inquiries listed on my credit report. They are as follows : XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX & XXXX XXXX  XXXX, XXXX XXXX, XXXX  XXXX  and XXXX XXXX. I have attached ID Theft Report XXXX with this complaint. Please review.
Consumer complaint received 2019-08-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc. (SC)

I have sent several disputes to SCA collections regarding an inaccurate collection listed on my XXXX  report in the amount of XXXX. I have also sent disputes to XXXX  regarding this inaccurate information listed on my credit file and neither company has been able to produce any proof that this debt actually belongs to me! SCA collections continually ignores any debt validation letters I send and continues to list this unverified inaccurate information on my credit file. I will attach my most recent correspondence as well as the certified letter I sent to SCA collections giving them one final chance to verify and send me the proper information as requested in my letter.
Consumer complaint received 2015-05-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (LA)

I disputed an account with Equifax and provided proof directly from the creditor that I never paid said account late, yet Equifax completed my dispute as they have verified the item belongs to me. Equifax also stated that there is no historical account information currently on this account. 1. I never disputed ownership of the account. 2. they did n't remove nor address the late payments, and if there is no historical account information, how can they justify leaving a late payment. 
In addition to all of the above, this account was previously reported 30 days in error by the credit grantor, and was subsequently corrected in XXXX of 2014. Now, Equifax is re-reporting this and I have no idea why and why they are n't accepting the documentation I 'm sending them. I do n't understand what 's the point of them acting like it 's to a consumer 's advantage to submit documentation during a dispute if it 's not going to expedite or assist in the resolution of said dispute
Consumer complaint received 2019-06-17
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. (KY)

The following accounts does not belong to me and I'm respectfully requesting that these unauthorized accounts be removed. I've requested a Method of Verification for this investigation, I've requested physical documentation all to no prevail. The credit bureaus can not relay on electronic verification, nor shall they ignore a consumer inwhom identity has been compromised. And before these credit reporting agencies report accounts to a file they must be thoroughly and physical verified. I'm asking that these accounts be blocked and removed immediately. 

1 ) XXXX  XXXX {$470.00} 2 ) XXXX/ XXXX 3 ) XXXX XXXX {$610.00} 4 ) XXXX XXXX {$10000.00} 5 ) Dept of ED/XXXX {$4500.00} 6 ) Dept of ED/XXXX {$3500.00} 7 ) Dept of ED/XXXX  {$2200.00} 8 ) Dept of ED/XXXX {$2100.00} 9 ) Dept of ED/XXXX {$2000.00} 10 ) Dept of ED/XXXX {$1800.00} 11 ) Dept of ED/XXXX  {$1700.00} 12 ) Dept of ED/XXXX {$1300.00} 13 ) Dept of ED/XXXX  {$1000.00} 14 ) Dept of ED/XXXX {$1000.00}
Consumer complaint received 2019-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST NATIONAL BANK OF OMAHA (HI)

I have an account with first bankcard, then my mother open another account with first bankcard and add me as an authorized user on another credit card with first bankcard which is different than the first bankcard I open on my own without letting me know in advance. I didn't mind that my mother open the account but first bankcard did not check with me which is a first red flag, when I find out later, the second red flag is first bankcard did not let me add that credit card to my online account to manage the account. When I call them, they dare to ask my mother 's personal private information include her social security which I did not give out and I don't think I want to give out someone's else social security either, which is another red flag. What they show here is lack of respect for the credit report holder which in this case was me when opening an account on my credit report without asking for my permission, then lack of respect for customer 's privacy when they started asking me my mother 's personal questions include her social security when I try to gain access to the credit card my mother open under my name when she add me as authorized user. This show lack of care for consumer privacy, and when I tried to close this credit card that is opened under my name, they said the fraud division would start investigate it which is ridiculous because they are the one who fraudulently open an account on my credit report without checking with me first and refuse to let me close an account on my credit report when asking for someone's else private information as an excuse to not let me access my own account. What a joke. I don't know who set up their system but it shows a total lack of concern for consumer 's private information rights. 
I own my own XXXX XXXX : XXXX XXXX XXXX ( registered in Hawaii ) and I would never set up a system where someone can open an account on someone's else credit report without their permission. My name is XXXX XXXX XXXX and my blog is : XXXX
Consumer complaint received 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

THE FOLLOWING ACCOUNT ARE UNAUTHORIZED DUE TO FRAUD. PLEASE REMOVE -PLEASE UPDATE MY CORRECT PHONE NUMBERS SO CREDITORS MAY CALL ME DIRECTLY - XXXX HOME AND XXXX CELL THERE IS ALSO AN ADDRESS THAT DOES NOT BELONG TO ME SHOWING ON MY REPORT PLEASE REMOVE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 

TRANSUNION- XXXX- XXXX AND XXXX- XXXX XXXX- XXXX- XXXX XXXX XXXX XXXX- XXXX
Consumer complaint received 2022-03-21
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. (VA)

Unfortunately, I am having many unfavorable experiences with your credit reporting agencies. After informing your credit bureau of the unlawful, inaccuracies listed on my credit report, they have failed to provide a reasonable update on the status of my requests. I am currently in the home buying process and this has an extreme negative impact on my life and my family.
Consumer complaint received 2021-08-23
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: California Business Bureau, Inc. (CA)

A few months ago I took a look at my credit report and found inaccurate information on it. One of them was a collection account from California Business Bureau. So on XX/XX/2021 I sent out a letter to them asking them to validate this account and to send me proof of the debt. I wanted them to send me proof that the debt was mine. However, in XX/XX/2021, they wrote a letter back stating, " there is no basis in law to substantiate your right to such information ... there is no duty to comply ''. I find this hard to believe since there are laws regarding this. I wrote to them again, however, I am submitting a complaint here because I do not want to be lied to by this company.
Consumer complaint received 2019-08-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Lincoln Educational Services Corporation (CO)

there are times where i do forget payments but when i answer or call them back one lady that i have to deal with for my loan is rude, harasses me, and hangs up on me.. Today had to be the worse which would be XXXX called to setup payments to get things caught up and she said i need a reason to why you have not contacted us, I told her that i have been working very long days, she says that's not a good enough reason. Only way i can take payment is something today and setup autopay. told her that i can not make a payment today that this was my fault be I'm setting up three payments to get everything caught up, she continued to harasses me about my other bills stating that i don't forget my phone bill, just cause you work long hours is not a good enough reason to where i did get upset and asked for a supervisor which really didn't help much cause the only way he would setup payments is if i setup autopay.. I have had the same woman hang up on me in the past when i asked a question.. she continues to make sure that this is going to mess up my credit there has been many times we have blown up on each other because of her attitude towards me.. im sorry im trying to pay and because of my reason its not good enough? because i have made mistakes that i get harassment from her.. there's time i rather be late then have to deal with this woman.. i dont have pacific dates but they record all there phone conversations.. today i had it with the way she talks to me
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Account Name : XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Account Name : XXXX XXXX Date of inquiry : XX/XX/2023
Consumer complaint received 2021-08-23
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (CA)

In mid XX/XX/2021, Citibank ( Home Depot ) was alerted to a spectacular failure on a third party order to XXXX XXXX XXXX XXXX delivered windows and a door to two job sites which had an eight-five ( 85 % ) percent failure rate in operation and wood workmanship. XXXX was called in to assess remediation immediately following installation of windows delivered in multiple shipments in late XXXX in XXXX XXXX, CA. XXXX decided that three of the large window frames and one medium sized frame should be rebuilt! XXXX said it would repair the other defective medium and smaller window frames. XXXX later backed out of making these repairs. This resulted in my request for a full refund with some compensation for our installation costs of a severely failed window order for a two-story home and a second remote building. 

Having alerted Citibank for a full refund for their portion of the charge on my Home Depot credit card of {$20000.00} out of {$28000.00} and receiving an acknowledgement letter on XX/XX/2021 of my disputed charge. Citibank proceed to not record this dispute on my XX/XX/2021 statement, as required by law. Citibank claimed that it had not had enough time to do so. Their representatives claimed that they needed seven ( 7 ) to ten ( 10 ) days following the notice of the dispute to do this. This is a false statement. Even if one took this comment at its face value, Citibank would still have had an additional three more business days with which to place a notice of the existence of my dispute with XXXX XXXX via XXXX XXXX on my XX/XX/2021 statement. Citibank failed to act in timely manner to post the existence of my dispute, as required by law. 

There is also an no indication that Citibank is addressing this dispute in a timely manner or at all. As you may infer, there is another credit company involved in this dispute which immediately posted the presence of my dispute and sought additional information from me. This other company is nearing placing my charge back refund on my account in the next few days, likely this week or before the end of XX/XX/2021. Citibank has without due diligence in my dispute. Thus, I am seeking assistance to compel Citibank to correct my erroneous XX/XX/2021 statement and accelerate looking into and resolving my legitimate refund charge back request.
Consumer complaint received 2022-07-05
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. ()

My complaint started on XX/XX/2022, My equafax report was completely erased, I have been trying to get my active accounts reinstated, but I have had no success even though the agents can see them and all documents has been submitted and still no results, had full report with credit score till the end of XX/XX/2022. And now my my credit score is not there in order for me to finish my refinance for my house, have been paying penalties since. 
Can someone PLEASE HELP.
Consumer complaint received 2022-07-05
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (TX)

I was offered a promotional pricing of no interest for XXXX months. Somehow the company that I had my XXXX at refunded my original amount and then charged me again this time not including the promotional financing option. I have been getting charged interest from the moment I the balance was put on the card. I contacted CareCredit and they told me there is nothing they can do. Thats crazy because the card is issued by them they should be able to reverse all the interest charges Ive incurred and stop any further interest charges until after the promotional period ends.
Consumer complaint received 2022-07-05
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. (TN)

I've recently pulled my credit report and noticed some unauthorized inquires reporting to my credit report. I need these inquires removed at once because due to FCRA anything reporting to my credit that is not accurate must be removed at once. The inquiries are listed in the letters attached below about the unauthorized inquires to each bureau. I do not won't to file for litigation but will if necessary. Thanks for your help with this effort.