davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

In my last complaint PayPal completely ignored and did not acknowledge my documents that I have resolved dispute XXXX and the funds were issued back by XXXX XXXX. These funds are sitting with PayPal at a " XXXX XXXX XXXX XXXX XXXX ''. I have made 5 transactions with XXXX XXXX. All 5 of these transactions have this routing number " XXXX XXXX XXXX ''. I have tried contacting PayPal by phone but they have me blocked me from contacting them in their system. I have also reached out to them on XXXX and sent them documents but they ignore me. In my eyes they have no desire in resolving the issue. I'm enclosing documents seeking a professional reply from PayPal to why they can not address this problem or are they just that lazy? 

My documents are as followed : 1. PayPal 's reply ignoring the fact that payment was reapplied in XX/XX/XXXX document which came from XXXX XXXX. 
2. A screenshot of the re-applied payment and it's transaction number " XXXX XXXX XXXX '' for the amount of {$5000.00}. 
3. A screen shot from XXXX XXXX ( XXXX ) expressing her frustration with the lack of effort PayPal has put into resolving this issue. 
4. My XX/XX/XXXX letter from XXXX XXXX on their decision of the dispute. ( page 2 ) WHERES MY MONEY PAYPAL????? 


If you search issues with PayPal they do have a history of stealing money from people. I would like to know PayPal where are my funds? If you think your going to steal {$5000.00} from me your highly mistaken! My next course of action will be to continue to file with CFPB, XXXX and I'm going to get an attorney. I have had enough!!
Consumer complaint received 2017-12-13
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: Capital Accounts, LLC (FL)

XXXX XXXX has reported a {$920.00} bill on my credit that does n't belong to me. It was for a child that is not biologically mine and was not on my insurance. It should be reported on her father and or mothers credit, not mine. I have called both XXXX XXXX and Capital Accounts which is the collection agency it is with and they keep giving me the run around and telling me they ca n't do anything and to call the other one, that they are the only ones that can make changes. I have been trying to get this resolved for 3 years and am tired of it. I am trying to clean up my credit and this is n't helping. If it was my responsibility I would take care of it, but it 's not and I just want it off my credit.
Consumer complaint received 2021-10-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NJ)

Business Checking : XXXX XXXX XXXX XXXX XXXX XXXX. 
Chase Wire Transfer Fraud Claim Case # XXXX {$9800.00} I had suspicious activity reported via text from Chase Fraud on XX/XX/21 XXXX XXXX asking me if I requested an ACH in the Amount of {$3900.00} to a XXXX XXXX, I replied NO and transaction was denied, I then contacted Chase Fraud Dept after a 45-minute hold I was disconnected, so the next morning, I went directly to the XXXX Branch of Chase. 
I arrived at XXXX on XX/XX/21 and met with XXXX XXXX XXXX the XXXX NJ XXXX to discuss my options for my account security as it was compromised. At that time XXXX XXXX XXXX asked me If I had initiated another wire transfer this morning at XXXX in the amount of {$9800.00} to XXXX XXXX XXXX XXXX attempt within XXXX hrs ) I replied No, this was how I was informed of the fraudulent wire transfer, Chase never sent me text notifications of this, like they did for the attempt a few hours earlier. XXXX immediately tried to get someone on phone and via instant message to have a swift recall and claim put on the wire transfer as it showed as pending at XXXX to try to stop this wire to XXXX XXXX apparently it was unsuccessful as the monies were taken out of my account at XXXX after I notified Chase. XXXX XXXX on XX/XX/21 gave me a case number, at that time he indicated it could take approximately 10 days for a provisional credit to be issued. 
I did not request nor authorize this wire transfer, I do not know a XXXX XXXX and I do not use wire transfers ever. XXXX XXXX attempted a fraudulent attempt at XXXX XXXX XX/XX/21 the evening before which was denied by me via text and 10 hours later Chase allowed {$9800.00} to be wired to the same individual after her 1st fraudulent attempt, additionally Chase did not use due diligence in protecting my account and text me of this wire transfer transaction attempt and did not question a phone number change on my account another red flag? 
It has now been 45 business days and no updates are available to date when I contact Claims CS? I was told 10 days for provisional credit, I am a XXXX XXXX XXXX and losing almost {$10000.00} is causing a huge financial stress to my business, with no updates or information as to when I will receive this money back. I have read they must issue a provisional credit while investigating I have held an account with them for over 20 years without any fraud or scam claims, I did everything possible, reported it within 2 hours to Chase as well as Internet Crime Complaint Center XXXX. 
Chase is responsible and negligent for allowing this {$9800.00} wire transfer after I reported an earlier fraud attempt by same individual XXXX XXXX of {$3900.00} just hours earlier. By now my money should have been refunded its well pass 10 business days as I was told. I desperately need answers and to know my rights and need these funds returned immediately. Can someone please tell me my rights and help. ( XXXX ) XXXX. 
XXXX XXXX XXXX
Consumer complaint received 2024-02-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is so annoying & frustrating. Ive sent Transunion multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of item that is UNKNOWN to me : XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2008 Balance : {$0.00}. Please delete.
Consumer complaint received 2020-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Saks credit service through Capital One, continues to penalize and incorrectly add fees and report to the credit bureaus incorrect information. Every single month a late fee! Every single month! Even when payments were processed by reps to be skipped due to pandemic. Saks Card ( Capital One ) then report it late to credit bureau, through no fault of the customer. 
I have been trying continuously to communicate and advocate for myself as a concumer and former account holder but every since the accountwas closed, it has gotten worse. There has to be a means for the company to stop charging the late fees and inaccurately reporting to credit bureaus on this account.
Consumer complaint received 2023-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (DE)

I have contacted these companies and they are reporting the wrong information. I have sent letters to the company requesting the original contract with my wet signature. I have not received anything from these companies at all. I am asking for these accounts to be deleted from my credit report.
Consumer complaint received 2021-10-19
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 (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2021-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (OK)

On XX/XX/XXXX, XXXX XXXX transferred our loan to LoanCare , LLC, which now accepts our mortgage payments on behalf of XXXX XXXX. We received a letter XX/XX/XXXX indicating the old loan number, the new loan number, the date of the transfer, contact information, and the website to make a new online account. They included instructions to make a new account, but promised that autodraft would transfer. It is now XX/XX/XXXX, and we remain completely unable to make an online account. Someone at LoanCare , LLC has simply failed at the task of setting up a database. We can enter our old loan number, confirm the new loan number, but can not make an account due to one technical glitch after another. Customer service is unavailable or completely in the dark as to the issue, and as such can not help. Our mortgage payment amount has changed, and we can not determine why. We can only confirm that money is exiting our bank account via bank draft and have to take it on faith that it is going to the correct company and is being applied to the correct account. This is, plainly, unacceptable. I need access to my statements, and I need access to be able to confirm that everything is correct. Since notice of transfer arrived XX/XX/XXXX I have been trying and failing to make an online account for four months now.
Consumer complaint received 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (DC)

XXXX AND XXXX ARE REFUSING TO ALLOW ME TO ACCESS MY CREDIT REPORT ON THE FEDERAL TRADE COMMISSION FREE ANNUAL CREDIT REPORT WEBSITE. I HAVE VERIFIED MY IDENTITY USING THEIR TWO FACTOR AUTHENTICATION METHODS AND ONLINE QUESTIONS MANY TIMES AND HAVE ACCOUNTS WITH EACH BUREAU. I WAS PREVIOUSLY FOR THE PAST TEN MONTHS ALLOWED ACCESS WEEKLY TO MY ALL THREE BUREAU CREDIT REPORTS!!! I DEMAND IMMEDIATE ACCESS TO MY FREE FTC WEEKLY ONLINE CREDIT REPORT!! I AM NOT PAYING THE POSTAL MAIL TO OBTAIN A CREDIT REPORT WHICH COSTS ME MONEY!! XXXX EXPERIAN AND XXXX ARE VIOLATING THE LAW AND ARBITRILY NOT ALLOWING ME FREE ONLINE CREDIT REPORT ACCESS DESPITE SUCCESSFULLY ANSWERING IDENTITY QUESTIONS CORRECTLY!! XXXX YOUR MAIL IN FORMS!! IM NOT BEING INCONVENIENCED AND WAITING WEEKS FOR MY CREDIT REPORT I COULD GET NOW ONLINE. I NEED MY CREDIT REPORT NOW!!! I DEAMND IT ONLINE NOW!!! IM NOT PAYING POSTAL MAIL TO GET MY REPORT AND SENDING THE BUREAUS IDENTITY DOCUMENTS IN THE UNSECURE XXXX POSTAL MAIL!! XXXX EXPERIAN AND XXXX, WHICH XXXX REPEATEDLY VIOLATES THE LAW BECUASE MY REPORTS ARE INACCUREATE, THUS PREVENTING ME FROM RECEIVING THEM!!
Consumer complaint received 2021-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (IL)

The federal law 15 USC 1605 ( a ) a finance charge is a " sum of all charges '' payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. So there should have no late payments to be reported on my credit report. I further remind you that you may be liable for your willful non-compliance. Be aware that I am making a final goodwill attempt to have you clear up this matter. I will seek damages from your company for violating my consumer rights under Fair Credit Reporting Act if permitted.
Consumer complaint received 2021-04-10
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7100.00}, {$5600.00}, {$2100.00}, {$4800.00}, {$830.00}, {$0.00}, {$47000.00}, {$0.00}, {$13000.00}, {$200.00}, {$3100.00}, {$6600.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7100.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This is not my account. 

5. XXXX XXXX USA/TARGETCRED with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$830.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- XXXX XXXX 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$47000.00} -This is not my account. 

8. XXXX XXXX SERVICES with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- XXXX ACCOUNT 9. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 10. I. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$200.00} -This is not my account. 

11. XXXX XXXX SERV with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6600.00} -This is not my account.
Consumer complaint received 2022-04-26
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: Experian Information Solutions Inc. (FL)

In accordance to the Fair Credit Reporting Act, XXXX XXXX  XXXX # XXXX, XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 SECTION 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

TRANSUNION AND XXXX ARE REFUSING TO ALLOW ME TO ACCESS MY CREDIT REPORT ON THE FEDERAL TRADE COMMISSION FREE ANNUAL CREDIT REPORT WEBSITE. I HAVE VERIFIED MY IDENTITY USING THEIR TWO FACTOR AUTHENTICATION METHODS AND ONLINE QUESTIONS MANY TIMES AND HAVE ACCOUNTS WITH EACH BUREAU. I WAS PREVIOUSLY FOR THE PAST TEN MONTHS ALLOWED ACCESS WEEKLY TO MY ALL THREE BUREAU CREDIT REPORTS!!! I DEMAND IMMEDIATE ACCESS TO MY FREE FTC WEEKLY ONLINE CREDIT REPORT!! I AM NOT PAYING THE POSTAL MAIL TO OBTAIN A CREDIT REPORT WHICH COSTS ME MONEY!! XXXX XXXX AND TRANSUNION ARE VIOLATING THE LAW AND ARBITRILY NOT ALLOWING ME FREE ONLINE CREDIT REPORT ACCESS DESPITE SUCCESSFULLY ANSWERING IDENTITY QUESTIONS CORRECTLY!! XXXX YOUR MAIL IN FORMS!! IM NOT BEING INCONVENIENCED AND WAITING WEEKS FOR MY CREDIT REPORT I COULD GET NOW ONLINE. I NEED MY CREDIT REPORT NOW!!! I DEAMND IT ONLINE NOW!!! IM NOT PAYING POSTAL MAIL TO GET MY REPORT AND SENDING THE BUREAUS IDENTITY DOCUMENTS IN THE UNSECURE XXXX POSTAL MAIL!! XXXX XXXX AND TRANSUNION, WHICH TRANSUNION REPEATEDLY VIOLATES THE LAW BECUASE MY REPORTS ARE INACCUREATE, THUS PREVENTING ME FROM RECEIVING THEM!!
Consumer complaint received 2017-12-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BBVA FINANCIAL CORPORATION (TX)

This is somewhat of a continuation of a complaint about BBVA Compass Bank. Compass Bank had admitted to making errors and had apologized for them. They had retraced the amount supposedly owed from {$3300.00} down to {$1200.00} dollars. They admitted to taking a refund from the extended warranty and GAP policy. The extended warranty was {$2500.00} and the GAP was {$350.00} a total of {$2900.00} dollars. {$3300.00} minus {$2900.00} is {$420.00}. Compass Bank also did not included my monthly payment made in XXXX of 2017. Monthly payments were at {$270.00} dollars. So if I take the remaining {$420.00} minus {$270.00} that would be {$150.00} left as a remainder. Also in the recent past I had placed extra money onto the monthly payment. This paying above the regular monthly payment. So that being {$150.00} left of the remaining balance. Yet I will stress upon this again that Compass Bank did not return my prescription medication. Nor did they offer a refund, partial refund or any compensation of any kind. This medication 's cost greatly outweighs the remaining balance of {$150.00} by quite a bit.
Consumer complaint received 2017-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (IL)

On the morning of XXXX/XXXX/XXXX, I was notified by phone notification from Chase.com that my checking account had a negative balance. Upon signing in to my Checking account online, I was made aware that three ACH debit transactions were processed on XXXX/XXXX/XXXX that had put my account into negative status. I was awake on XXXX/XXXX/XXXX to past XXXX and never received a notification from Chase Bank that my account was negative, which is normally the case. Had I known that these transactions were processed, I would have had the opportunity to rectify the situation and bring the account current. The representative I spoke with over the phone this morning first stated that these debits were processed around XXXX XXXX, which is untrue. Then stated that they were processed close to XXXX and again, I was NOT NOTIFIED, and in response to the Chase employee, there was NO interruption in my phone service. I can provide proof. She further stated that these debits are processed by the outside company retrieving these funds and that these were not processed at those particular times due to Chase Bank 's doing, but rather the company requesting these funds. I, the unknowing customer am forced to believe what she is saying is true. I have very high doubts that this is the case. Chase Bank is known to be one of the largest banks that makes the most profit on fees on their customers and I now know how they do it. Just like they did to me. They wait to just before XXXX to process a debit so that they can charge fees after XXXX for the transactions. I now have to not only cover my transactions, but the fees, which makes it much more difficult for me to obtain an extra {$100.00} for the fees that they charged me. I believe that Chase Bank is practicing bad business by purposely processing transactions in this manner, in order to be able to charge a customers account these fees ( making record profits ). I would like to have my {$100.00} refunded so that I may be able to place the funds for these transactions into my bank. I believe that there needs to be an investigation on Chase Bank business practices as I believe they purposely take advantage of their customers. I will be seeking media attention exposing these practices.
Consumer complaint received 2021-10-19
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: Experian Information Solutions Inc. (NV)

I recently reviewed my Credit files and found unauthorized inquires and accounts I've never gave permissable purpose thru verbal or written authorization to view my credit profile. 15 U.S.Code 1681b ( a ) ( 2 ) - CRAs need written instruction to make a consumer report by the consumer.
Consumer complaint received 2020-12-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc. (CA)

I am a California resident since XXXX. I last traveled outside the state to Texas in XXXX. Recently, PAM sent me a notice of delinquent fees claiming I drove on a XXXX XXXX. PAM refuses to provide documentation to prove their case because the proof does not exist. PAM continues to harass me for a debt that I do not owe A review of the XXXX website shows PAM LLC had 329 complaints against them for billing relating to the XXXX XXXX.