davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I was a victim of identity theft, disputed my credit reports because of so many unidentified accounts. I have identified my accounts, and sent the identified account information and balances at the time to all three credit reporting companies. I have been attempting to correct my Transunion account because my whole credit report was completely erased. I have contacted Transunion by phone and mail to correct the issue with no response or rectification.
Consumer complaint received 2020-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Every ballot box has an option to make an overt choice, either yes or no or to choose a candidate or candidates but NO SELECTION MEANS NO CHOICE. However, in your Capital One webpage paper or paperless selection, you dont provide that opportunity. NO SELECTION IS A CHOICE. You all need to correct this page because it exposes your bias to get customers to choose PAPERLESS when we have the right to have an equal opportunity to decline PAPERLESS statements. 

That fault in your selection page underlines the flaw and inherent weakness in allowing computer programmers to ultimately design your webpages. It is because in this instance, they are thinking bit ( 1 ) and bit ( 0 ) when that is not the way non-programmers and the general public ( your customers ) think. 

If you had put this webpage before a focus group, which you conveniently did not, they would undoubtedly prefer a webpage design that offers the opportunity to make a convert decision to either choose paper or paperless, and not a design where NO SELECTION is the " paper '' option.
Consumer complaint received 2018-02-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Creditor is Bank of America and I have a inquiry on my report that I didn't authorized nor did I apply for anything and I want this item removed via FCRA section 623 if you can't provide proof that I requested to have this inquiry on my report It's fraud.
Consumer complaint received 2022-01-12
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: Experian Information Solutions Inc. (FL)

I feel like XXXX XXXX XXXX at this point its been a back and forth battle with Experian. This account from XXXX bank doesnt belong to me, Experian is well aware that I was a victim of identity theft, they even provided me with a complimentary membership!!! Ive provided affidavit as well, so I was suprise when I receive an alert that this account was accurate. They made no attempt to reach out to this company. THERES NO NOTICE OF DISPUTE, I also saw that in there notes they discussed dates???? Whos reviewing the concerns of the consumers at Experian?! Please remove account
Consumer complaint received 2021-06-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

PAYPAL REQUESTED THAT I SUBMIT MY DOCUMENTS IN ORDER TO GET MY ACCOUNT VERIFIED BUT AS SOON AS I UPLOADED MY DOCUMENTS I RECEIVED A MESSAGE THAT MY ACCOUNT WAS PERMANENTLY BLOCKED, WITH NO EXPLANATION AS TO WHY THEY DID THAT OR WHAT WAS WRONG WITH MY ACCOUNT. I PHONED PAYPAL AND NO ONE WAS WILLING TO HELP EXPLAIN. THERE WAS ALSO AN AMOUNT OF MONEY IN MY PAYPAL ACCOUNT THAT I IMMEDIATELY COULD NO LONGER ACCESS AND I STILL DON'T UNDERSTAND. 

I HAVE BEEN ON HOLD FOR OVER 2 HOURS AT A TIME ON PAYPAL JUST TO BE TOLD THAT I CANT BE HELPED. 

MY PAYPAL ACCOUNT IS XXXX XXXX
Consumer complaint received 2024-03-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (KY)

A hacker gained access to my Paypal account and setup a bank account, email and phone. I was NOT notified by Paypal that this happened. On XX/XX/year> I logged into my bank and discovered that {$910.00} was transferred to Paypal. I checked Paypal and found that the hacker transferred money from my legit bank to Paypal balance and transferred the money to the hacker bank account XXXX XXXX XXXX. Immediately, I reported the fraud to Paypal and the case was closed within a few minutes. I called to speak with an agent to report the fraud and was told I set-up the new bank and made the transaction. I maintained that a hacker accessed my account and I did not authorize the transaction and was told to reach out to my bank. On XX/XX/year> I went to my bank to report fraud, close my bank account of 21 years and opened a new account. Paypal is refusing to investigate. My bank restored the money to my account and requested that Paypal return the money to them. I went online to close my Paypal account and they have a negative balance of {$910.00} and placed into Paypal collections. I called collections to dispute the negative balance. I have called and spoke to Paypal agents multiple times and they refuse to acknowledge fraud and continue to blame me. I opened my account with Paypal 14 years ago and not once have I transferred funds from my bank to the Paypal balance, This should have been a red flag and I should have been contacted immediately. Please help me resolve this fraud and clear the negative balance from Paypal so that I can close it.. I am concerned that this hacker used my profile information to setup a bank account with XXXX. I reached out to XXXX and they need the bank routing, account and bank transaction ID. I called Paypal and they refuse to give me the information. Please investigate Paypal. I believe this may be an internal issue and can not get Paypal to acknowledge the fraud or investigate.
Consumer complaint received 2024-03-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc. (NC)

Credit Corp Solutions Under the doctrine by ESTOPPEL BY SILENCE, ENGELHARDT V GRAVENS ( MO ) 281 SW 715, 719, I MAY PRESUME THAT NO PROOF of the alleged debt, nor therefore any such debt, in fact exist.
Consumer complaint received 2022-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (IL)

I opened up a highschool account for my daughter. 2 years ago it was changed to the regular checking account. I was not given any reminders when it changed over, as to am I still linked to her account. In XXXX my daughter started school at XXXX. She received an email through the school where someone offered her a job which turned out to be a scam. While the checks were pending my daughter asked that the checks be stopped by Chase who refused.

Chase decided that they were going to make the checks available in good faith, so by daughter dispersed the checks that was deposited into her account before she realized that it was a scam. My daughter and I contacted Chase about XXXX times concerning this issue. We were told that they were locking her account for 10 days to see if those checks or others were going to through. 
Also we were told that the if she didn't pay the {$2600.00} overdraft within that 10 days that they were going to close the account. The last conversation was on XX/XX/XXXX. I looked at my account on the XXXX and found that the money was taken out of my account without prior alert. First I feel like there should have been some type of letter to let me know that I was still connected. Secondly we were lied to about what was to happen with the account. Thirdly I think that it's fair that I get my money back and contact made to my daugter to make arrangements with her to pay the money. That money that was taken out was for home improvements that underway.
Consumer complaint received 2022-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

Escrow paid {$530.00} on XXXX for earthquake coverage. However, Earthquake coverage premiums are not eligible for payment through escrow in California. Knowing that I had paid for the Earthquake coverage on XXXX. I contacted XXXX 's to refund the duplicate payment made by Shellpoint. XXXX 's can not find the payment and Shellpoint says the check has not been cashed. I asked for a stop payment and Shellpoint stated it was a bulk payment with other Inured payments on the check, not just mine. They could not issue a stop payment. Now my escrow account is overdrawn by the incorrect payment and I will be assessed next year for the shortage when there shouldn't be a shortage.
Consumer complaint received 2021-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I want to report the misuse of my PERSONAL INFORMATION. I did not give consent to the credit bureaus to report a bankruptcy on my credit report. By law this information is considered private and I want this information removed. The bankruptcy reference number is XXXX. The credit bureaus ( XXXX, XXXX, and transunion ) are reporting this information without consent. 
Please reference the XXXX law 15 US code 1681 a, 4 : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2018-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Ive tried muptiple times disputing inaccurate and unverifiable accounts that Equifax continue to allow on my credit report. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Equifax is required by federal law to verify through the physical verification of the original signed certified consumer contract of any and all accounts you request to be posted and or reported on my credit report.Any They have not verified the data that a company reports on a comsumer credit file which Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file is a violation of the FCRA
Consumer complaint received 2018-04-05
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: Bread Financial Holdings, Inc. (MD)

XXXX 's client XXXX XXXX is a victim of identity theft. Someone used her information to apply for an account with XXXX/PayPal without her consent. The account was established ( acct # XXXX ) and a formal dispute of this account was mailed to XXXX/PayPal XX/XX/2018, certified mail with return receipt. XXXX/PayPal received this dispute information however as of this date has failed to return a reply concerning the outcome of the investigation as outlined under the FCRA sec 605-611 which is a violation of my clients federal consumer rights.
Consumer complaint received 2022-04-29
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: EQUIFAX, INC. (NV)

In accordance with the fair credit reporting act XXXX account # 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 a account without my written instructions
Consumer complaint received 2022-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with the fair credit reporting act XXXX account # 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 a account without my written instructions
Consumer complaint received 2020-01-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (MO)

We took out a loan for close to {$2000.00}. After making the first 3 payments totaling around {$400.00} as scheduled ( they were auto deducted ), the principal balance was higher than the original balance. I explained to them that this could not be the case and showed them all payments cleared on time as scheduled. Refused to make any more payments till the issue was fixed. If i kept making the planned payments, the balance would have continued to rise. 
Now I'm getting several threatening phone calls a day from a company called XXXX and XXXX claiming a legal matter. I returned their call and requested they do not have my consent to continue calling and any further communication should be in letter form. They continue to call, which I do believe is illegal.
Consumer complaint received 2018-04-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (MD)

I am a victim of identity theft. Citi issued a credit card to a hacker that was using an address that wasn't mine. For 11 months they never contacted me and put the card in default. Only after I became aware of the identity theft and notified my bank and XXXX   did Citi put my home address and personal information on the account and then turned it over to a collection agency. Citi ran my credit report without my authorization on two instances in late 2018 and early 2018. I have asked them to remove these inquiries and they refuse. Then after finding out that the credit card was a fraud, they sold the loan to XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX started collection efforts. 
Never in the year in the life of the fraudulently issued credit card did Citi call, write or try to verify ownership of this fraud account til I notified XXXX.
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME AND I WOULD LIKE THEM DELETED : XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  OPENED : XX/XX/XXXX XXXX. XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXXXXXX XXXXXXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX
Consumer complaint received 2021-06-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

As far back as XX/XX/XXXX I requested debt validation from ARS in which I did not receive a response. On XX/XX/XXXX I sent them a letter notifying them that the account has not been removed which is a violation they should have deleted the account, investigate the account, and provide me validation of the debt. I received no correspondence from the company. I then took a closer look at my credit report and it also appears that they re-aged the alleged debt because the date of last activity reports XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), and XX/XX/XXXX ( XXXX ).
Consumer complaint received 2020-07-23
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. (FL)

I am upset to know that my information has been compromised and used under false pretenses. I have not authorized any of the false inquiries impacting my credit. I have no knowledge of any of these inquiries and would like them removed as soon as possible.
Consumer complaint received 2023-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/2021 Balance : {$16000.00}
Consumer complaint received 2021-08-19
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: HSBC NORTH AMERICA HOLDINGS INC. (AZ)

HSBC IS CHARGING ME FOR PURCHASES ON CLOSED ACCOUNTS. ACCOUNT XXXX IS A CLOSED ACCOUNT DUE TO FRAUD. THE COMPANY HAS PUT ON {$240.00} IN CHARGES ON THIS CLOSED ACCOUNT. THIS ACCOUNT SHOULD HAVE A XXXX BALANCE. ON THE ACCOUNT THAT XXXX  REPLACED THEY PUT {$14.00} ON THAT ACCOUNT. THAT ACCOUNT ENDED IN XXXX ON ACCOUNT XXXX THE COMPANY PUT ON {$70.00} FOR CHARGES I DID MAKE OR AUTHORIZE. OLD ACCOUNT XXXX AND THE ONE THAT ENDS IN XXXX  AGAIN WERE BOTH CLOSED DUE TO FRAUD. I WANT THE {$240.00} AND {$14.00} CREDITED BACK TO THE NEW ACCOUNT. ON THE ACCOUNT XXXX I WANT THE {$14.00} THAT IS NOT MY CHARGE PUT BACK ON THE NEW ACCOUNT IT REPLACED
Consumer complaint received 2019-06-10
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: Santander Consumer USA Holdings Inc. (TX)

I write you on an issue that Im having with Santander Consumer USA financial institution on auto loan established on XX/XX/XXXX at {$18000.00} not to include the interest involved. Just this past year of XX/XX/XXXX from XX/XX/XXXX to  XX/XX/XXXX I was behind on the auto loan three months and twenty days the most leaving the car in repossession status. In the month of XX/XX/XXXX on the XX/XX/XXXX the car was repossessed I notified Santander Consumer USA which to hear the vehicle was in its possession, I was also informed what I need to pay in order to gain back possession of car. Now I want to inform you that the car was repossessed before in the year I believe XX/XX/XXXX and was able to gain back possession of vehicle at agreed dollar amount which later led to a so call modification agreement of loan XX/XX/XXXX at {$5000.00}. But after the repossession in XX/XX/XXXX I inquired of both principle/payoff balance on the auto loan at $ XXXX/ {$4000.00}. I was inform on the XX/XX/XXXX the {$2600.00} was need to give car back in my possession but on the XX/XX/XXXX I was told I had to pay {$2900.00} covering delinquent charges on auto loan, interest, and repossession charges. I paid the {$2900.00} on the XX/XX/XXXX with credit card afterward was told after payment is processed balance of loan will be adjusted on account. Now monthly payments was still be given ranging from {$300.00} to {$280.00} a month onward although the monthly agreed note is {$280.00}. I do recall in XX/XX/XXXX calling Santander Consumer USA disputing the payoff balance at {$1200.00} and claiming they havent yet charged the account the towing charged which led into another dispute, because after Santander Consumer USA repossessed the car on XX/XX/XXXX over ten days have already passed when I respond with the payment needed to gain back possession of the car. The auto loan has already been paid off and what on the account is the claimed towing charge of {$790.00} but someone ( s ) within Santander Consumer USA is manipulating the account by seeking false financial gain as it hold title to car. So I ask for your involvement to prevent future hassle as I see inaccurate balance change to account after paying {$190.00} on the XX/XX/XXXX bring the {$790.00} to {$590.00} which Im not seeing that balance reflecting the payment. The truth of the matter is I struggled to get to the end of completing my payments with Santander Consumer USA and someone ( s ) within the business sees this but seeking false financial gain is not the way to do business with the public.
Consumer complaint received 2018-02-12
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 ONE FINANCIAL CORPORATION (GA)

Creditor is XXXX XXXX XXXX and I have a inquiry on my report that I didn't authorized nor did I apply for anything and I want this item removed via FCRA section 623 if you can't provide proof that I requested to have this inquiry on my report It's fraud.
Consumer complaint received 2021-02-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (NJ)

Received letter on account from a bank I do not do business with stating thank you for your new checking account. Account was opened XX/XX/XXXX online in my name. I Closed account with bank. Filing report with fraud department, SS and FTC.