davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (WA)

Near the end of XX/XX/XXXX, my credit card information was stolen and I had numerous unauthorized charges on my credit card. 

{$470.00} Extended Stay # XXXX in XXXX, XXXX on XX/XX/XXXX {$130.00} Shipt* Order on XX/XX/XXXX {$25.00} Starbucks in XXXX   XX/XX/XXXX XXXX {$60.00} XXXX XXXX XXXX   XX/XX/XXXX XXXX {$180.00} Paypal XXXX XXXX XX/XX/XXXX XXXX {$58.00} YPS* XXXX XXXX   XX/XX/XXXX XXXX {$610.00} Financial Stepping Stone XX/XX/XXXX I live north of XXXXXXXX XXXX, and my credit card was still in possession at the time. I don't use the credit card everyday, and was not aware of all of these unauthorized charges until XXXX days later, when XXXX finally alerted me to possible fraud activity on my account. I checked, and then immediately called XXXX to notify them that the charges were unauthorized. They shut the credit card down, conducted their investigation, and determined I was not liable for these unauthorized charges. 

However, what I was not aware of was that my credit card had been used to also open a Paypal account under my nickname ( not my legal name ). I found out 3 months later when I received a bill for {$25.00} from XXXX XXXX, a collections agency for Paypal. I was confused, so I called Paypal and that's when I found out that there was a second account that had been opened. I have my own Paypal account that I use regularly and keep up-to-date for payments. 

I told Paypal that I had been a victim of identity theft, and they confirmed that the credit card that had been shut down by XXXX was the one used to fund this additional unauthorized Paypal account. The customer service person told me to just wait and they would have to do their investigation. I didn't hear back at all from them, so about a month later I called back and found out that Paypal 's investigation has decided that this was not a case of identity theft. They have not divulged any information about the charges, and have only told me that there is a negative balance of {$25.00} on this account. The email associated with the account is not mine, and all I know is that the balance went negative XX/XX/XXXX, maybe as a result from some of the charges that were reversed on my credit card. 

I have spent over 9 hours on the phone with Paypal, XXXX, and my credit card trying to resolve this. Paypal has proven to be extremely uncooperative, and very accusing. I have been transferred from department to department during my calls for no reason, and have even been prematurely hung up on after having been on hold for over an hour. They have provided me with no proof that I opened the account, and yet have concluded that this isn't identity theft when the credit card used to fund the account was shut down for identity theft. 

I have also filed a complaint with Internet Crime Complaint Center about these charges and the Paypal account.
Consumer complaint received 2024-01-30
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Bridgecrest Acceptance Corporation (IL)

My name is XXXX XXXX last four digits of ssn is XXXX, on this date of XX/XX/XXXXXXXX XXXX XXXX  I would like to send this notification to bridgecrest auto for damages that they cost me for not following the right procedures in accordance to the law.Bridgecrest sent a third party to my family address and XXXX my car, bridgecrest did not send any letters with intentions to take the car back, they put my family at risk with this company disturbing the peace at home.Bridgecrest went further and did a sale of this car XXXX weeks later without giving me time to remedy as we were all dealing with emotional distress that they caused.Bridgecrest did a sale of the collateral without sending a presale letter or post sale letter and reported to credit bureaus about my account violating my consumer rights.As far as the law states on UCC 9 PART 6 which I have attached the law wasnt followed, I was supposed to buy a home at this time period and my application was denied because of their actions and reporting, they ruined my credit and I will be filing suit for damages due to their negligence and non compliance.I am demanding the account to removed from the credit report bureaus and not be furnished because the contractual agreement that I had with bridgecrest is void with this specific account per their actions.I have a right as a consumer to be treated with fairness.I have attached a copy of the UCC article thanks for your understanding.My phone number is XXXX LOAN ACCOUNT NO IS XXXX
Consumer complaint received 2018-06-12
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I do not drive. 
Own a car. 
I have an identical twin sister, who purchased a car. The following companies have performed hard inquires on my credit report. Our social security number is very similar. However XXXX continues fail with resolution. When I contact these company they claim they do not have record of my account. And can not do anything further and its XXXX fault.
Consumer complaint received 2017-11-29
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: NAVY FEDERAL CREDIT UNION (MD)

1 ) XXXX XXXX ( {$910.00} ) 2 ) Navy Federal Credit Union ( $ UNKNOWN ) 3 ) XXXX  XXXX XXXX ( {$11000.00} ) 4 ) XXXX ( {$290.00} ) 5 XXXX XXXX XXXX ( {$1800.00} ) I did not authorize any of these attempts to collect any debt or to unlawfully report any negative account on to my credit report file. I need these items annulled and removed immediately.
Consumer complaint received 2017-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

I 'm  currently banking with chase and have been for years. I have  XXXX  checking accounts with them. This morning we I wake up to two insufficient funds fees added to my account prior to this I received no notifications stating that my account was overdrawn anything nor did I get a notification about the first insufficient funds fee added this is not the first time this has happened to me it 's been happening over the years that I 've been banking with chase but now I tired I feel that there just taking money for no apparent reason, money I do n't have to give away I have kids to feed. When I called and told them about my issue they tell me that 's there is nothing they can do, I asked even if there a mistake on the banks behave the representative says " there nothing we can do ''.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2018-09-17
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. (CA)

I filed a dispute with Experian open on XXXX the account is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$1300.00} I provided the information over the phone do dispute this collection since the online dispute did not allow me to input the info myself. The investigation was completed in one day. I received and answer to the dispute on XXXX XXXX. I called Experian on XX/XX/XXXX and asked them about their investigation. They said they requested verification that this was my debt and that the collection company said this was my debt. I asked them do they not investigate or do they take the word of the collection agency. They said they are suppose to get verification from the collection agency but it was not in my file so they didn't receive anything. They said they would file a better dispute than the original one. This information is being taken over the phone by a person who does not speak very good english and does not understand me well. I did not want to be rude and ask for another person but i think this is a hinderance to the process
Consumer complaint received 2020-06-25
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name
Consumer complaint received 2020-06-25
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: MoneyLion Inc. (GA)

I have had a fraud alert on my credit report since 2015. XXXX  seems to be the only credit reporting agency that refuses to remove incorrect information, due to fraud. I have verification that certain accounts were removed including the one account in question with moneylion. I have been told that it was going to be removed but it still remains. Please remove this account from my XXXX  report.
Consumer complaint received 2019-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST HORIZON BANK (NY)

On XX/XX/19 I opened a checking account with XXXX XXXX with a promotion for {$200.00} contingent upon receiving a direct deposit. I processed several of my work direct deposits into this account and was supposed to receive the {$200.00} bonus within 42 days fo the direct deposit. The direct deposit was received XX/XX/19, 42 days would be XX/XX/19. I have not received the bonus that was promised to me.
Consumer complaint received 2019-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

Transaction Date:XX/XX/2019 Transaction Time:XXXX XXXX Term ID : XXXX Sequence Number : XXXX Deposit Amount : {$2600.00} I was depositing {$3500.00} ( XXXX dollar notes ) to my checking account at the drive through ATM and the machine gave back {$900.00} dollars and the screen said {$2500.00} received and since there was a {$100.00} dollar difference i cancelled the transaction thinking I'll go in person and deposit but after pressing cancel, the machine asked me to take my card and printed a receipt which said Call a XXXX number to make sure the transaction went through. I called that number immediately and the customer service tech from Chase said they will credit my account within 12 hours. I called them after 12 hours and they said call back after 6 hours. I called them again after 6 hours and they said it will take them 10 business days to investigate this transaction. Not sure what to do at this point. Please help ... .. I have the receipt with me.
Consumer complaint received 2019-05-14
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Direct Recovery Services, LLC (TX)

Direct Recovery Services has called me and members of my family claiming I owe {$2400.00} on a loan that I've never taken out. I told the representative that I have never taken out this loan. She told me that it doesn't matter. I still owe this money. I asked her to please give this information to me in writing and she would not. I asked her why the company that I supposedly owe this money to has never reached out to me and she said they would not ever contact me. I asked her to give me the companies contact information and she would not. She said this was for XXXX XXXX XXXX for a loan of {$2400.00} in XX/XX/2018. I double checked my credit report and I do not see any sort of loan for this company. I checked my bank transactions and do not see any sort of deposit into my account from this company for this amount. They are harassing my family and me. They refuse to provide me with adequate information about this supposed debt. I looked up the phone number for this person who called me and came up with nothing. I had to have her repeat what company she supposedly works for. She would not give me her full name. Her phone number is XXXX. It appears to be a number from Georgia.
Consumer complaint received 2021-04-22
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. (NY)

I am writing to delete the information in my file. The items i need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my family.
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I paid my mortgage in XXXX over the automated system as I always do. It wasnt until I was paying for XXXX that I noticed, and it indicated that I had not paid for XXXX. Called to get info about it because I had done things as usual. It was also in XXXX that I noticed the automated system was different. I inquired had they been getting a lot of calls regarding this problem. I have not been late nor was I late in paying my mortgage.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (TX)

This debt collector SANTANDER engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2021-02-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (IL)

I took out a loan for {$8000.00} to handle some debt. I agreed on a 3 year term to payback {$300.00} every month. I have 10 months left to finish. They gave me an option to change my due date because the way I get paid has change and this was a year ago. I never had a problem paying and I'm always on time. I even have an option to pay the XXXX earlier than the due date. This is where the problem happen on XX/XX/XXXX I paid the XXXX and it was deducted from my account. On XX/XX/XXXX, they sent an email stating there was an error on their end and my amount was not drafted correctly so they went and drafted the amount themselves. The way I handle my finances I did not have the amount to cover it which left my account negative. On top of that I have rent of XXXX that was coming out of my account on XX/XX/XXXX with a paycheck of XXXXand my lights and phone was suppose to be paid with that check. Which left my account XXXX on top of the over draft fee my bank charge which was {$35.00} and I do not have the funds to cover the next over draft fee. The lending company agreed to refund me the amount on XX/XX/XXXX but it will take 5 business days. For each day my bank account is negative I will have occurred an overdraft fee. This has left me in a messed situation and my bank can not overturn the amount either. I setup my payments accordingly and without warning or care they felt its ok to draft the money because their system was hacked or something. I should not be held responsible since I did my part.
Consumer complaint received 2018-06-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC (TX)

I have made attempts to have this issue resolved with XXXX XXXX regarding a collection account listed on my credit file. I sent a letter to the company dated XX/XX/18 regarding this fraudulent account and my ID theft report showing that I am a victim of identity theft. The account is not my account and I have never had any business with XXXX XXXX ; which is indicated as the original creditor on my credit file. I have asked that I be provided with validation and verification of the debt including an authorized signature. This has not been provided. My consumer protection rights are being violated and I would like a resolution regarding this situation.
Consumer complaint received 2021-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MD)

This company has repeatedly reported inaccurate and false information on my credit file, and each time its deleted and and then placed back on with a different amount. Im really not sure what kind of game this company is playing but Ive had it up to here. I DO NOT OWE XXXX  ANYTHING. I have informed YOU THIS NUMEROUS TIMES. Again, this is not my debt remove it immediately. Im keep being harassed by being called by several different numbers a day by this company
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX is reporting me a latte payment in my credit report when was not latte, XXXX  XXXX XXXX must to provide me it is right on XXXX and XXXX/ 2022 if not must to change this ustatus from Close / latte to Close/ never late.
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NV)

I am reaching out requesting the follow delinquencies reporting on my credit file be updated. I know the account is currently in a charged off status and settled for less then the balance during the time that the account went delinquent I was going through a difficult time with medical issues that started XX/XX/XXXX all the way up until the account charged off in XX/XX/XXXX. Being in and out of the hospital starting in XX/XX/XXXX all the way beyond XX/XX/XXXX has caused a hardship for me not being able to pay my bills due to medical issues that caused me not to work. I am requesting for the negative payment history to be updated during that time frame due to it being out of my control due to my sickness not being able to work.
Consumer complaint received 2016-05-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My account with XXXX XXXX AKA XXXX XXXX has been completely paid in full for months. Originally I tried to pay this debt through XXXX and was denied the opportunity and was forced to go through the collection agency which I did not want to do due to miscommunication. I paid off the FULL balance in order to receive a deletion from my credit report. XXXX XXXX and XXXX both have not taken the necessary steps to remove this account from my XXXX, XXXX, and Transunion credit reports and it is just unbelievable especially when I tried to pay the original creditor directly and was told I could n't! Now my balance is reporting incorrectly on some of my credit reports it says paid in full and on others it says " settled '' which I never settled I paid the FULL balance. This account needs to be deleted from all XXXX of my credit reports as agreed especially seeing as I dont owe them anything. That negative account is severely affecting my way of life at the moment and I need to see it gone. I keep requesting that the credit bureaus contact XXXX which they did and they even have sent me MULTIPLE statements saying my account was paid in full so I even have documentation. Please remove from my credit reports. I want to believe that XXXX is a good enough company to do this for me.
Consumer complaint received 2023-02-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OLIPHANT FINANCIAL, LLC (PA)

I have some fraudulent accounts and addresses and job that do not belong to me and I have no knowledge of.one of the accounts is a XXXX account, and the other account is a collection account from a company called oliphant collection agency.I contacted both companies and ask them to provide documentation that those accounts belong to me but the couldn't.i would like these accounts removed because these accounts are a act of fraud.
Consumer complaint received 2021-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (MA)

I see multiple 30-60 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 2021-02-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I called Equifax, & let them know that when I check my XXXX APP, my Fico score, it has negative or derogatory information when I check my Fico score, about bankruptcies and public record and collections that doesnt apply to me, is not mind, I them to remove from my credit report or file, Equifax said it is not on my file, I will try up load this information, please help me this issue, Thanks