davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (NH)

A deposit was made to XXXX thru paypal. The wrong amount was attempted to be withdrawn threw my checking account that had insufficient funds to cover the amount. Paypal went ahead and paid XXXX the amount, even though it was a technical glitch on the XXXX site. Paypal then tried to charge the unauthorized amount of {$13000.00}. AN amount that was nowhere near what I had in my account and the charge shouldve never went thru. My checking account returned the money as it overdrew my checking account for insuffient funds. 

XXXX blocked me on there site and I couldn't get the money return as they deleted my account. Paypal did not help me resolve this and sent the debt to collections when they should have never gave money that I didnt have to a gambling site.
Consumer complaint received 2020-09-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Today XX/XX/XXXX I was called from a company named XXXX XXXX XXXX XXXX that identified themselves as a bill collector and stated that I had an account in XXXX that was paid up until XXXX. I explained that the company did not sound familiar to me and that I have never received any mail or corespondents from the company. The person that I spoke to threatened to take me to court if I did not make arrangements on the account. They were unable to tell me what kind of credit card it was. All she said was that it was from MBNA, I asked if she would be able to send me info via email from MBNA but it was never received. I feel that this company is fraudulent and makes scam calls.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have already called and made ALL XXXX Credit Bureaus aware of the identity fraud that has occurred and have included FTC reports to all three reporting agencies. By FCRA Laws Section 609 ( e ), XXXX, Transunion, and XXXX are required to delete all information related to the fraudulent use of a the victim 's identity. 

Inquiries : XXXX XXXX XXXX XXXX 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 2020-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XXXX XXXX I was notified by Bank of America via text that there was some unusual transactions on my bank account. When I looked at it i saw something wrong and I requested for BOA to stop transactions. After that they immediately contacted me, while we were discussing the incident there were several transactions trying to be conducted on my account. After looking at my account and having the discussion we realize that this has been going on for a while and I immediately file claim for my money. Which was an excessive amount of {$20000.00}. BOA did recognize that fraudulent activity had taken place and agreed to refund me my money within 30-90 days pending investigation. Four days later I get a letter in the mail stating my claim has been denied. After several attempts and applies i am getting no where. They sent me a letter to fill out and I did and sent it back. A few days later I receive a letter in the mail stating that my claim is still denied. I had nothing to do with this at all. I am a victim, BOA is suppose to protecting me and I want all of my money. BOA does not have the right to deny my claim with no explanation or justification other than " I should be watching my account ''. My account has never been associated with the third party apps in which my account was used for such as XXXX XXXX, XXXX, XXXX XXXX.
Consumer complaint received 2020-09-01
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 — Problem with personal statement of dispute
Company: ERC (IL)

Due to the Coronavirus pandemic, we are now in receipt of your results.

On the onset, you stated and I quote ; We take compliance with all applicable state and federal laws very seriously. In this circumstance no contract with XXXX is required to validate the account.

We are a nation of laws. The misrepresentation of XXXX XXXX is egregious based on the fact that they only provided an alleged  ledger. XXXX provides a relation back theory to substantiate a dispute in this circumstance. 

Therefore, if CFPB refuses to compel XXXX XXXX, to turn over the material verification documents ; then I, demand that XXXX XXXX provide an application with my signature on it that  demonstrates myself seeking any form of financial help or credit from the original lender or the aforementioned downstream lender in order for them to properly validate that this account belongs to me. 

My records indicate that I have not received any such notices from XXXX XXXX to come to court in or around XX/XX/2017. 

Therewith, it appears that XXXX XXXX gained a judgment without prejudice, based on no appearance opposed to what XXXX XXXX alleged.

Addressing court records, I was never served a complaint or summons at any time. My dispute remains clear. This account was not initiated, nor an application signed by me, seeking any services.

Conclusively, provide me the controlling document in this dispute which is either contract or application with my signature on it, which sought credit from the parties listed herein.
Consumer complaint received 2018-07-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My balance is wrong. 

My transactions were PROCESSED and POSTED, " out of order ''. 

My XXXX XXXX credit card has a - {$91.00} balance. 

BofA # : XXXX # XXXX XXXX XXXX XXXX # : XXXX This fraudulent activity, suspiciouly has absorbed {$100.00} and has alerted me of a negative balance, - {$91.00}, on my credit card, # XXXX. I only made a {$65.00} online payment ... how can I have a negative {$91.00}?!
Consumer complaint received 2018-07-15
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. (WI)

I am a victim of identification theft. My information was stolen via a data breach with XXXX. I have tried on multiple occasions to have the fraudulent accounts removed from my credit reports to no avail. I have sent the credit reporting agencies copies of my police report, FTC affidavit, and my signed sworn declarations but they refuse to remove the fraudulently opened accounts.
Consumer complaint received 2020-10-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

I was paid for a service and/or services in the months of XXXX of 2020. I had a buisness account with this company. I was also a XXXX. I was covered as a XXXX, however some of the digital services i offered were not. This company asked me provide info for certain transactions. I had provided this exact same info in the past a few different times. This last time my account was closed due to SUSPECTED fraudulant activity. I was never given a description on how, what or who was involved besides myself. I, however, provided all of the requested info, which they already had. I feel i should have been given an explanation on this activity. If there was any fraud involved it was not on my part, in which i was covered under my XXXX  account. I feel this was highly unfair. Never had any of these problems with this company before.
Consumer complaint received 2023-01-31
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. (IN)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please investigate the listed items and correct all errors. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (UT)

I still have not been able to fix inaccurate information on my credit report. XXXX removed 15 years of credit history. I have a Wells Fargo credit card and I had perfect credit history with that card. I made all my payments on time. XXXX removed that credit history from my report and it is hurting my credit. I tried to resolve the issue by calling XXXX. XXXX will not take my calls anymore. Every time I try to call, I am told that they will not accept my call. I can not even contact XXXX anymore. How do resolve the issue if they won't even talk to me?
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I appreciate you taking the time to REMOVE some of the information in my credit file ; however, there is still an account that needs to be REMOVED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-02-23
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 — Was not notified of investigation status or results
Company: LEXISNEXIS (NC)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2020-09-03
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}. 
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 ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2019 with a balance of {$12000.00} -This is not my account.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I do not recognize these inquiries. I have requested that they be removed from the bureaus, but they were not removed. 
I am providing an identify theft report and I am requesting that they be removed because I did not authorize them.
Consumer complaint received 2023-02-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (IL)

The open dates for are not accurate and the account numbers are invalid. XXXX  never represents or corresponds to approproate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. 

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Consumer complaint received 2021-08-11
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: CAPITAL ONE FINANCIAL CORPORATION (NH)

I am a victim of fraud and disputing 2 charges on my account, I called and sent this via mail, they credited and they put it back again '' So i dont know what else to do so I decided to complain here i dont want to missed any payment because I'm protecting my credit and this was charges to capital one on XXXX  XXXX, XXXX I am writing to dispute [ a ] fraudulent charge ( s ) on my account in the amount ( s ) of {$4000.00}, plus fees and interest XXXX- {$500.00} ( XX/XX/XXXX ) /XXXX- {$2000.00} ( XX/XX/XXXX ) /XXXX XXXX XXXX and posted on XX/XX/XXXX, XX/XX/XXXX,. I am a victim of identity theft, and I did not make [ this/these ] charge ( s ). I request that you remove the fraudulent charge ( s ) and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it.

I am writing to dispute [ a ] fraudulent charge ( s ) on my account in the amount ( s ) of {$6800.00}, and posted on XXXX XXXX. ( XXXX returned ACH $ XXXX XXXX ( XXXX  XXXX- XXXX XXXX XXXX XXXX {$1300.00} and fees and interest. 
I am a victim of identity theft, and I did not make these charge ( s ). I request that you remove the fraudulent charge ( s ) and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please investigate this matter and send me a written explanation of your findings and actions.
Consumer complaint received 2020-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/2020, TD Bank blocked my online access. The security procedures of the bank malfunctioned. The only possible avenue to resolve this was over the telephone - not email, chat or some other method. I spent over 5 hours waiting on the telephone for someone to answer. I requested that my account access be restored and a  method be implemented to resolve this in the future. The TD employee terminated the call without warning. At the moment, solely due to TD 's negligence and malfeasance, I can not access my money. All of their branches are closed.
Consumer complaint received 2018-04-05
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: 2288984 Ontario Inc. (OH)

I received a phone call on my work phone on XX/XX/XXXX at XXXX XXXX, from a guy whom never stated his name. It caught me by surprise because he addressed me by first and last name, he state that he was hired by a company to investigate and track me down for a debt that I owe and if I did not pay this debt within 48 hrs he was going to come to my job and serve me papers to have my wages garnished. I asked whom was the company that hired him he stated he did not know that information but if I wanted to contact them I could call them and settle the debt, so that he would not have to serve me at work. I wrote the information down and contacted the number he provided me, I provided the woman with the case number and she told me that I owed {$530.00} ( to XXXX ) with a {$6.00} processing fee. If I did not pay that amount immediately they were going to garnish my wages for triple that amount. Which made me fearful, I promptly made the payment so that he wouldn't come to my job and have my wages garnished. My bank wouldn't allow a debt transaction over {$500.00} in one day so the payment would have to be broken into 2 payments.On XX/XX/XXXX I paid {$490.00} plus {$6.00} processing fee, the women emailed me an receipt. The next day XX/XX/XXXX the second payment for {$49.00} plus {$6.00} processing fee was made but I never received a receipt or paid in full letter as the women said she would email to me. On XX/XX/XXXX I tried to contact that same number to have them send my paid in full letter the phone number no longer workers. I've called the phone number on the invoice/XXXX and left a voice mail and have not gotten a response.
Consumer complaint received 2023-01-31
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. (SC)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$310.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-02-13
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I informed you that this debt accrued to do fraudulent charges. I also reminded you that under the Visa Zero Liability policy I was not liable for fraudulent charges, which I had also informed to the original creditor.
Consumer complaint received 2021-08-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ALLY FINANCIAL INC. (CA)

We signed closing documents with Ally Bank while in XXXX  on a XXXX  condo. Days later we were informed by Ally that the closing was void because they failed to provide a lawyer at signing which is XXXX  law. We closed again several weeks later and continued paying both the original lender and then the new lender after the second, official closing. We then started getting bills from XXXX XXXX for the original failed closing. They insisted the original closing was valid and refused to help us. Ally also failed to help us. My credit score now has dropped by around 100 points due to XXXX XXXX showing late and missed payments on the fraudulent mortgage. This is the only negative thing ever on my credit report.
Consumer complaint received 2023-07-26
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. (MI)

There are errors on my credit report. I contacted the lender directly and I was not able to get my questions concerning these errors addressed. Transunion reported on XX/XX/2021 that account was last active. Transunion also reported XX/XX/2021 was the last payment date. XXXX reported last active date was XX/XX/2021 and last payment was XX/XX/2021. XXXX stated XX/XX/2021 account was last Active and on XX/XX/2021 last payment was made. All these errors on my report makes it impossible for me to understand. This is frustrating and has caused me a great deal of stress. Please remove this account off my credit report.