davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (NY)

RE : XXXXXXXX XXXX Account XXXX I, XXXX XXXX XXXX, have a joint checking account with my son, XXXX XXXX XXXX, at XXXXXXXX XXXX. We do not use online banking. I opened my checking statement ( dated XX/XX/XXXX - XX/XX/XXXX ) when it arrived in the mail on XX/XX/XXXX. I noticed there were 11 Paypal withdrawals totaling {$5800.00}. Neither XXXX nor I authorized any of the transactions. In fact, I do not even have a Paypal account. I immediately called the XXXX Fraud Department to alert them to the problem. They placed a restriction on the account. I went to my local branch, ( XXXX XXXX XXXX, XXXX, NY ) the following day, XX/XX/XXXX and spoke with XXXX XXXX. She reviewed the account and noticed an additional {$3900.00} in Paypal withdrawals since the last statement. She also noticed there were three Paypal transactions starting in XX/XX/XXXX ( totalling {$240.00}XXXX XXXX  ) She transferred the remaining balance in the compromised account into another account. I filed a claim with XXXX for reimbursement. XXXX claims they are not responsible for the {$9100.00} since I did not report the incident when it first happened in XX/XX/XXXX. I thought my son had made those transactions ; the sum was small and I did not question it. However, I did immediately question the withdrawal of {$5800.00} when I received my statement on XX/XX/XXXX. I reported the incident to the XXXX XXXX Precinct. 

I also discussed this situation with Paypal. Someone named XXXX XXXX, whom we do not know, created a Paypal account and somehow linked it directly to our checking account. I do not have a Paypal account. We were drained of {$9100.00}. I have spoken with both XXXX and Paypal Fraud departments several times over the past three weeks. I was under the impression Paypal was going to return the money to XXXX. Today, Paypal said they are not responsible. XXXX said they are not responsible. We placed our money in XXXXXXXX XXXX thinking it was safe. Please help me understand how someone who is not an authorized user of my checking account, can open a Paypal account, link it to my checking account and steal {$9100.00}. XXXXXXXX XXXX never alerted me that XXXX XXXX was now a user of my bank account. The fraudulent name does not appear on any of my bank statements. Paypal did not alert me that an account was linked to my bank account. I request the money be refunded to my account.
Consumer complaint received 2020-08-20
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. (FL)

I didn't open any of these accounts I am apostate this is happening to me, please remove this from my credit report thank you. This is Fraud and every level and this need to stop I'm very stressed out that this is happening to me again please remove this from my credit thank you in advance.
Consumer complaint received 2021-08-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc. (NJ)

I applied for a lease on a house. They ran a background check.Once I received a copy of my background check I realized there was a collection.The collection was from a Medical Bill .The hospital bill was from " XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX '' the company that filed the collection is " PROGRESSIVE MGMT SYSTE Originally : XXXX XXXX XXXX '' .I reached out to this company and explained to them that I have yet to ever visit the XXXX XXXX , let alone XXXX. Ive never even been to California. They proceeded to tell me that this is considered identity theft. I told them to remove it and I was then explained how to file this complaint and remove the collection off my credit..I have already filed a police Report in the state of Florida the city of XXXX XXXX XXXXXX/XX/2021 - Case Number # XXXX.
Consumer complaint received 2020-07-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (MO)

On XX/XX/XXXX my husband 's unemployment was approved and he started receiving direct deposits to our joint prepaid account. On XX/XX/XXXX we got a text that there may be a problem with our account/card. When I called the next day I was told our account was deemed high risk and was bring closed, and that a check would be mailed to our address on file. A few days later I was told the funds would be returned to the sender, but wasn't given a time frame for this to be done, and was told there was nothing they could do to give us access to our funds. Now they are asking for a letter of indemnity from unemployment, which they will not provide, or we have to wait 20 days for the funds to be mailed via check to the sender. The money in the account was all that we had and now we are at risk of being evicted if we can not pay rent, repossession of my car, having utilities turned off and not be able to provide for our almost XXXX XXXX XXXX son. I've emailed back and forth with them for days and get a response after XXXX hours of me replying immediately just to be given vague information and them saying they care and they are sorry for the inconveniences. I just want the funds in our account and have even sent the letter of acceptance showing my husband was approved to receive those funds. NetSpend has already been sued by the FTC over doing this same thing in XXXX!
Consumer complaint received 2020-07-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

These accounts were opened from someone stealing my identity. I have notified Equifax and they have added the fraud alert on my credit report but did not delete the accounts that was opened. I am requesting that these accounts be deleted and blocked from my credit because they do not belong to me. I have not received anything from these companies or give them permission to open any accounts. Please delete XXXX XXXX XXXX, several DEPT OF EDUCATION/XXXX and several XXXX. I have never been a college student & these accounts are not mine. Someone applied for things in my name from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX & XXXX main these should be deleted as well. Thank you for helping me get this matter taken care of. 
I submitted this request on XX/XX/20 complaint XXXX & recieved a response that they believed that it was not me that sent the complaint. I am sending this complaint again in hopes of having these accounts deleted.
Consumer complaint received 2018-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (NJ)

I have a Chase Auto Loan Account opened in XX/XX/XXXX. I have been current with the loan and even refinanced said loan to a lower APR. Between XXXX / XXXX of XXXX I had an auto payment mailed on my behalf from XXXX XXXX XXXX. However, I was provided with the wrong mailing zip code and payment was returned. I subsequently called Chase Auto to confirm receipt of my payment and was given the correct mailing zip code. I had XXXX XXXX XXXX resend the payment over. Chase Auto Finance is reporting this payment as a late payment even though the initial payment was sent on time but returned due to a wrong mailing zip code I was provided with when I called to request for a mailing address to send in my payment. This solitary late payment has greatly impacted my FICO credit score ( dropping over 86 points ). I am requesting Chase Auto Finance to correct this error as I have been a loyal customer for over 3 years and have many products ( Bank Account, Credit Card, Auto loan, etc. ) with them. I have never had a late payment on my previous loan prior to refinancing it and I have never had a late payment since this mailing zip code mix up. please rectify this error on my credit report. Please look at the XXXX XXXX XXXX Screenshot. It shows that I originally sent the payment on time but for the error in the mailing zip code. Thank you
Consumer complaint received 2022-12-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Atlanticus Services Corporation (FL)

On XX/XX/2022, a Request for Accounting & an Official dispute was sent out to Fortiva Credit Card XXXX XXXXXXXX XXXX XXXX XXXX holding Certified mail # XXXX. Fortiva Credit Card received the request and dispute, however Fortiva failed to respond in accordance with laws and failed to provide debt validation as requested within the letter sent and received by FORTIVA. The account is being reported to the consumer reporting agencies and I have concerns regarding the account being associated with Fraud. Law requires that an account be 100 % accurate and that FORTIVA provide complete validation including a CONTRACT signed by all parties which FORTIVA has failed to provide to me. The account is fraudulent and is being reported to my consumer report in error and FORTIVA has failed to cease and desist their reporting of the account from all agencies as requested in my correspondence sent to them and received and they have failed to validate. Furthermore, FORTIVA received by dispute but failed to mark my consumer report as disputed.
Consumer complaint received 2018-02-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (WA)

My husband attended XXXX University online from XX/XX/XXXX to XX/XX/XXXX. We had to take out student loans to pay his tuition, and Federal loans were not an option for this school. We took a loan with XXXX XXXX. Unfortunately, a few months before he was set to graduate, my husband became XXXX suddenly and hasn't been able to work outside the home since then. We have been working with XXXX XXXX ( now Navient ) to take part in a Rate Reduction Program since we first were required to start paying back the loans. Every single time we have reapplied for the program there have been problems with our payments. They took out 2 payments in the same month several times. They changed the amount they withdrew from our bank account without telling us that there would be an increase, which caused us to be overdrawn multiple times. They have also taken the payment out on the wrong date either before it was supposed to be withdrawn from our account, or after, for which they then charged us late fees.Every single time I have been on the phone with Navient regarding these loans I have been given the run-around. They have not made the terms clear to us and have caused a tremendous amount of stress to me and to our family.
Consumer complaint received 2020-07-01
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. (FL)

I HAVE CONTACTING XXXX, XXXX   AND EQUIFAX BECAUSE THEY HAVE INCORRECT PAYMENT HISTORY ON MY CREDIT REPORT ( LATE PAYMENT ) I SPOKE TO REP AT XXXX XXXX   TO DEFER MY PAYMENTS FOR XXXX, XXXX THIS SHOULD NOT BE REPORTED AS LATE BECAUSE OF COVID 19 ( XXXX XXXX ) ACCOUNT NUMBER XXXX PAYMENT PAST DUE FOR THE MONTH OF XXXX, XXXX AND XX/XX/2020 ALSO THE BALANCE IS INCORRECT ON THIS ACCOUNT I RQUESTED FOR A PAYMENT TO BE DEFERRED BECAUSE OF THE COVID 19
Consumer complaint received 2018-03-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Bliksum, LLC (CA)

I hope this is not a scam, since I just signed the modification package and made a {$100.00} payment on my loan. I am copying the FTC on this email, just so that XXXX   and it's subsidaries did not cooerce me into signing false documents and making a payment.
Consumer complaint received 2020-07-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.
Consumer complaint received 2020-07-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Equifax Credit Information Services , Inc. XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ( XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) 2. ( XXXX XXXX XXXX & XX/XX/XXXX ) 3. ( XXXX XXXX XXXX XX/XX/XXXX ) 4. ( XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. My contact information is as follows : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX
Consumer complaint received 2020-07-01
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. (FL)

Companies reporting inquiries on credit file that I have no knowledge of requests that companies provide me with information proving i applied for anything with these companies I'm a victim of Identity theft and I have fraud alert on all 3 credit reporting agencies and no one should be able to pull my credit without authorization from me and I have not at anytime give these com permission to run my credit
Consumer complaint received 2021-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (IL)

On XX/XX/XXXX I applied for the Citi Premier credit card online. 

After I submitted the application I received a message denying the my request. 

I have a excellent credit score of XXXX. 

I have a checking, savings account with Citibank. I have been a loyal customer and this is how I get treated. I will be closing my accounts and taking my money elsewhere if this how they treat CitiGold clients.

I tried to call the reconsideration phone number only to be told you will receive a letter saying why we can not approve this credit card. They would not look at the application or ask further questions to " reconsider '' as that is the purpose the phone number. 

The application number is XXXX
Consumer complaint received 2020-07-01
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: CITIBANK, N.A. (CA)

I AM VICITM OF AN IDENTITY THEFT, WHICH MEANS SOMEONE OTHER THEN MYSELF OPENED AND MAINTAINED THE FRAUDULENT ACCOUNTS, THE CHARGES ARE NOT MINE THE ACCOUNTS ARE NOT MINE. I NEVER AUTHORIZED THESE ACCOUNTS TO BE OPENED, I NEVER AUTHORIZED THESE ACCOUNTS TO BE OPENED AND MAINTAINED. THE ACCOUNTS AND THE CHARGES ARE FRAUDULENT.
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ERC (MD)

On XX/XX/2021 I file an FTC identity fraud report for a company name XXXX XXXX XXXX, who said they were acting on behalf of XXXX, and Ii never have an account with XXXX and I kept disputing the account and nothing was ever being done for 6 years of disputing this item on my credit report with the account number XXXX. 
On XX/XX/2021, XXXX and XXXX deleted the account from my credit report after the new investigation. 
On XX/XX/2021, I check my credit file for any inaccuracies and unauthorized inquiries I find the same account appeared on my credit report again for the same amount of {$1100.00} under a different collection name XXXX XXXX XXXX. 

Additionally, another account that I paid and original creditor XXXX XXXX XXXX of XXXX removed the file on my credit report appeared again under the same XXXX / XXXX XXXX XXXX account # XXXX which was the collection company I paid back in XX/XX/2021. 
I need an investigation into these two company that are trying to defrauding me.
Consumer complaint received 2018-06-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

On XX/XX/2018, a fraudulent activity occurred in my PayPal account, where money got sent from my account to some XXXX XXXX in the amount {$1100.00}. 
I called PayPal about this transaction, and they recognized that this was a fraudulent activity. The amount has not been refunded, and after following up with Customer Service was informed that Paypal can not do more to get my back, because the merchant has refused to refund. I have sent two emails to XXXX XXXX ( CEO of Paypal0, but no response from him. 

I need help here, because PayPal is unwilling to rectify a fraud that occurred on their site. 

Thank you, XXXX XXXX
Consumer complaint received 2019-05-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (UT)

Jefferson Capital System incorrectly sent my account to collection. I never received a notice and this debt has already been paid. The account is # XXXX, they are reporting incorrectly and this should not be on credit, I have already paid this debt.
Consumer complaint received 2018-06-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (GA)

PayPal withdrew money from my account erroneously and they are refusing to credit my account back. I spent hours on the phone with a rep. Every time I was transferred to a supervisor I was disconnected. It looks to me from my account activity that they put in a bad system fix ( I used to XXXX XXXX XXXX when I worked for XXXX   ). They are calling it a balance adjustment but it is theft. They wont help make this right and Ive spoken with several others with this exact problem. Some are speaking with attorneys but I thought that this bureau is just the place to make thus kind of a complaint known.
Consumer complaint received 2018-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

In XX/XX/XXXX I discovered that XXXX XXXX XXXX XXXX was reporting a reporting a debt of XXXX to all 3 credit reporting agencies. I discovered this after applying for a mortgages. The debt was for an apartment that I moved out of in XX/XX/XXXX after  giving a 30 day notice. In XX/XX/XXXX I contacted the collection agency and apartment complex requesting a breakdown of charges and validation. I gave my 30 day notice and used my complex as reference to obtain my new apartment. I was not under a lease at that time and my rent was only XXXX at the time I moved out. 
On approximately XX/XX/XXXX I sent a letter to the collection agency for a breakdown & explanation of charges. I got no response. So I started contacting the credit bureaus regarding this debt. I disputed the account online with XXXX & it was removed after the collection agency couldn't provide proof of the debt. I was unable to find options for reporting the debt online for Equifax & XXXX so chose to wait until I was able to pull & print my annual report & write them then. I contacted XXXX & Equifax by certified mail on XX/XX/XXXX. Then on XX/XX/XXXX, XXXX reported that they were unable to remove the debt it came back as validated. I have yet to see any information. As of XX/XX/XXXX I still have not heard from Equifax.
Consumer complaint received 2022-12-01
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. (SC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXXXXXX 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 2021-01-26
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: EQUIFAX, INC. (CA)

I spoke to Equifax on multiple occasions and the still will not remove this account ( XXXX XXXX XXXX XXXX  ) This is a fraud account, this account does not belong to me. I have sent dispute after dispute, equifax does not respond, I have sent certified letters, 90 days went buy and still no response from equifax, but the company nor equifax will resolve this matter. I even had to get a police report. Also XXXX is paid off, never late / closed account.