davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

My husband and I were alerted in XXXX of XXXX  by the IRS that someone used my social security number and name to open up a PayPal account or credit card and took in {$53000.00} from XXXX XXXX. They only used my name and social security number and a different email address, phone number and address so we never knew about this until the letter from the IRS. At that time I spent XXXX weeks dealing with PayPal and they conducted investigations regarding this matter and found the account to be fraudulent in my favor. At that time, they told me that they would sent information to the IRS stating it was not my income and they never did. Now recently we are getting more letters from the IRS stating we owe them money. I recently contacted PayPal regarding this account and they gave me all the information of the fraudster that used my information. They gave me the email they used, phone number and address. Yesterday I contacted PayPal again regarding this matter because the IRS needs that 1099 amended from them and they were supposed to send me an email and letter to the IRS stating that the account was in fact found to be fraudulent and it was not mine. I have yet to receive the email. The IRS has sent us numerous letters regarding this matter and is wanting us to pay well over XXXX in taxes due to this income that was not mine. All we need help with is getting information from PayPal stating that the fraudulent account was not mine and we also need an amended 1099 sent to the IRS. I have made numerous reports regarding this incident to the FTC, IRS, and FBI. We are currently working with a lawyer to help us with the IRS.
Consumer complaint received 2023-03-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (OH)

On XX/XX/23 I received an email from XXXX regarding a fraudulent transaction to which I replied I did not make the purchase. XXXX  shut down my card and sent a new one. Minutes later I received a text from what appeared to be XXXX saying another transaction was attempted to which i replied " no '' saying I did not authorize. I immediately received a phone call from what populated as XXXX  customer service and the individual told me my information was stolen and wire transfers were set up but cancelled. He also said a Zelle payment for {$5000.00} was set up for XXXX XXXX that day. In order to cancel it, he told me I needed to resend the payment to XXXX. After hesitation he assured me he was XXXX reiterating my PIN number, account number to me, which I never gave to him. I mistakenly sent the Zelle payment to the number not knowing this was a scam. When I called XXXX about it, they did not know of the call and said they would investigate. They told me it was my fault for sending the money and Zelle said they do not refund scammed money.
Consumer complaint received 2023-03-30
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (VA)

I paid my joint account with Santander Consumer USA in full on XX/XX/XXXX. On all 3 of my credit reports its showing a balance of {$3400.00}, also on my credit reports they are also showing different different dates ( XXXX ) late payment. It should be showing XXXX late payment in XXXX of XXXX, which it does on XXXX credit report and the other XXXX its showing XX/XX/XXXX. This company has been difficult to deal with from day XXXX!
Consumer complaint received 2021-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Glass Mountain Capital, LLC (CA)

To whom it may concern ; I have been doing everything I can in my power to let XXXX-Account number : XXXX know about this debt. This credit card was stolen and I have submitted police report to the bureaus and to XXXX as well. Now they aparently have sold the account to another company - Glass Mountain Capital LLC - Glass account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX & XXXX. They are asking for me to pay a debt of {$10000.00}. I have no other choice, but to file a complaint hoping that you will resolve this account. This is a credit card that was stolen. XXXX already know about it and they tried for me to pay them even I show them the police report.
Consumer complaint received 2023-03-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO Bank, N.A. (NV)

I opened Bank of the West checking account online XX/XX/. I decided to close unfunded BECAUSE teller couldn't locate account to deposit funds, leading me to suspect data mishandling, but no reps available in branch to close account, to which phone rep threatened monthly fees. So my account only exists to charge monthly fees.
Consumer complaint received 2021-04-07
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: I.C. System, Inc. (TX)

These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. They have violated my consumer rights, FDCPA 807 ( 8 ) if you can not validate the debt, you must request all credit reporting agencies delete the inaccurate information from my credit report IMMEDIATELY!
Consumer complaint received 2021-04-07
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: Credence Resource Management, LLC (TX)

These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. They have violated my consumer rights, FDCPA 807 ( 8 ) if you can not validate the debt, you must request all credit reporting agencies delete the inaccurate information from my credit report IMMEDIATELY!
Consumer complaint received 2022-06-09
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2023-03-30
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: First Advantage LNS Inc. (MD)

Creditor Information amount {$2200.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX is acting as if they are the police in Maryland on filing a police report in which maryland only allows for fraud to be filed online. the maryland police department does not come to make a report for my type of case its only online
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-01-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

My name is XXXX XXXX XXXX my Address is XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX phone # XXXX the las 4 digit of the credit card is XXXX I applied for above credit card and there was a balance transfer promotion of 3 % so I took advantage and transfer {$5000.00} and the bank changed me {$150.00} upfront which is normal I always do that with them for the past 10 years I always called an agent when doing balance transfer but this time because of the pandemic is very hard to reach an agent so I did it online which also did it in XXXX XXXX without problem, after three months keep payment and balance almost looks the same so I checked my statements from three and I saw the keep charging me interest which thats was not the deal so I reached out to them and the said it was direct deposit which I never did that so please I need a help to dispute this which is about {$230.00} with in 3 months because of this I have to get another loan to pay {$4000.00} to the account last week which is disappointing and painful and stressful.so please I need your help thank you.
Consumer complaint received 2020-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (CA)

I am a victim of identity theft. 
On XX/XX/XXXX someone fraudulently used my Barclays XXXX XXXX credit card to purchase an item from XXXX, in the amount of {$1400.00}. BARCLAYS did not tag this as fraud. 
XX/XX/XXXX I first became aware of this purchase when Barclay contacted me regarding a charge of {$.00} on my account which I told them was fraud. At that time we reviewed all other charges on my account and that is when I became aware of the fraudulent charge from XXXX  of {$1400.00}. At that time BARCLAYS removed the charge on my account and marked it as fraud. 
I DID NOT PURCHASE THIS ITEM AND I DID NOT RECEIVE THIS ITEM. 
XX/XX/XXXX BARCLAY called me and told me the merchant, XXXX provided them evidence that I had made the purchase and that I signed for it when it was picked up from XXXX on XX/XX/XXXX. 
BARCLAY put the charge back on my credit card. 
I contacted XXXX and received a copy of their Invoice which has my name, address, phone number and email. Whoever purchased the item had it shipped to my HOME. XXXX attempted to deliver it on XX/XX/XXXX however it required a signature and there was no one home. on XX/XX/XXXX the package was picked up from XXXX XXXX, CA location and signed by XXXX XXXX. I WAS UNAWARE OF THE ATTEMPTED DELIVERY AND DID NOT GIVE XXXX XXXX PERMISSION TO PICK UP THE ITEM. I DID NOT ORDER THIS ITEM OR RECEIVE THIS ITEM. 
I WAS OUT OF TOWN IN FLORIDA FROM XX/XX/XXXX - XX/XX/XXXX. I WAS UNAWARE THAT XXXX ATTEMPTED A DELIVERY. 
I have provided BARCLAYS documentation on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX that I am a victim of identity theft and that I was out of town when XXXX attempted to deliver the item and when it was picked up. I have reported this to the Police, Federal Trade Commission and filed a claim with XXXX. BARCLAY is still refusing to remove this charge from my credit card. The last time I spoke with them they told me that I have a daughter, XXXX XXXX, who resides with me, and XXXX picked up the item. I have provided documentation to BARCLAYS that my daughter has not lived with me for many years and that she was in Florida with me while XXXX attempted to deliver the item and was picked up at XXXX. XXXX is unable to provide me a copy of the ID XXXX presented when it was picked up and unable to provide me a copy of the signature when it was picked up. XXXX refuses to issue a credit for this charge and has told me I must work this out with BARCLAYS XXXX XXXX.
Consumer complaint received 2021-04-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (CA)

I tried to refinance my home loan taking advantage of the lower interest rates out there. I used my own mortgage company ( NewRez ) to refinance my loan. Since I started the process its been a nightmare. Lock of information, not returning my calls or emails to answer any concern or question. Also I want to speak my native language because I feel more comfortable and the representative from Newrez refused to speak with me in my native language even though she admitted to speak my own language. Asking me for information already submitted. Blocking me to speak with a supervisor. I requested to speak with a supervisor a month ago and til todays date no answer. I was told the process would be fast since I provide everything. It has two weeks in underwriter and no response. The loan processor refused to transfer my emails ( complains ) because she said she dont have control or jurisdiction. At the beginning I told them that I didnt want to have same loan officer but same loan officer continue calling me. This loan officer didnt take the time to look fir my submitted information. One time I have to insisted that I sent my documents and finally she checked the spam and my documents were there. She had excuses saying she have many loans in process. I feel discriminated and I think they dont want to give me the locked interest rate because I have a good credit score. They offered me 1.99 %. They just prolonging the time to make me to apply again.
Consumer complaint received 2021-08-09
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. (TN)

I have attached and account that is reporting inaccurately to all three of my credit bureaus, per the FCRA any information reported in my name to the three credit bureaus must be 100 % accurate. I have attached a picture of this account taken today wirh the inaccuracies highlighted.
Consumer complaint received 2024-02-12
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. (WI)

I requested for a Hard Inquiry to be removed from my Credit Report as I have no knowledge of this, and it was not my doing. The Hard Inquiry in question is the listed XXXX XXXX, requested on XX/XX/2023.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-04-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

Back on XX/XX/XXXX when the pandemic started my husband and I lost Our Job. I needed assistance regarding putting my payments on hold. They put my account on forbearance. I requested if my payments that I missed could be put in the back of the loan. I had to supply them with documents which I provided with everything They requested. They also requested my awards letter stating that I was unemployed from XX/XX/XXXX to XX/XX/XXXX. They wouldn't accept the letter because according to SPS my unemployment expired after XXXX weeks which was not the case. I still had money in my account because I was also working part-time and collecting partial unemployment. I even contacted unemployment to see if they could provide me with another awards letter ( determination letter ) They told me that they don't understand why SPS is giving me such a hard time because it literally states on the determination letter that they already had says everything. Unemployment can not change the date of when I'm entitled to my unemployment. It goes from year to year. They gave me such a hard time because they insisted on this letter that I could not provide because I already provided them with one. The reason why my unemployment went beyond the 22 weeks that they are talking about is because I worked part-time and collected part-time and at times I did not collect any unemployment because I made more money at my part-time job because I put in more hours so those 22 weeks was extended to approximately 7 months. I don't know what else to do and I do not want to lose my house but they are not willing to work with me. All other creditors that I've been dealing with if I didn't make any payments any unpaid balance they applied to the end of my loans but SPS refused to do that now causing me to be in default and possibly losing my house. If you have any questions regarding my complaint I can be contacted at XXXX. Thank you XXXX
Consumer complaint received 2024-02-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (OH)

Today XX/XX/XXXX XXXX, I ( XXXX XXXX ) was contacted by a representative of XXXX XXXX XXXX XXXX let me know legal action would be taken to collect debt that was only recently brought to my attention. I go to look about this debt and have found it was sold to them from Citi Bank, further investigation found the account opened in XXXX, not by me, but by my mother XXXX XXXX. Found she was listed on my credit report as secondary name, since put in a report to have her name removed from the credit report. My name is also spelled wrong, which i also put in a dispute for. I am not the owner of this debt, i am not the account owner nor do i have access to the account. I do not have a citi bank card nor have i ever. Please let me know the action i need to take to prove this. 
In XXXX i was a XXXX in XXXX  living off of my XXXX refund, no access to a card at all. this is impacting me and my life negatively and the contacting from collection agencies i feel are harassing me.
Consumer complaint received 2022-08-09
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: EQUIFAX, INC. (FL)

This is the fourth time I have contacted your company and you have still failed to delete the disputed accounts your company could not verify. After this letter, be advised that I intend to pursue litigation for the damages your company has brought to me and my family. Based off the fact that your company has yet to forward any documents to me, show me any proof, and the fact that its already been 3 months so you have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show your blatant disregard for Federal Law. The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. Thats all your company has been doing the past couple of months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ). I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law! The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. Just remember when we go to litigation and your company is required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. So once again, please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately, which I am sure you are already aware of. You failed to verify & validate all data for the following accounts, please remove IMMEDIATELY : Account Name : XXXX  Account Number : XXXX ; Account Name : XXXX XXXX XXXX, Account Number : XXXX ; Reason : pls verify and validate all data for this account, every notation, dates, and balances, whether reported or not and I would like to be provided proof the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per FCRA. On top of it, this is a collection account, and the collector needs to prove that this debt can survive collection, that they own this debt and the extent to which they can collect this debt and that all their details match the original creditor. Without it, must be removed.
Consumer complaint received 2022-08-09
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. (TX)

I applied for a personal loan and got denied but when they pulled my credit report 3 hard inquiries XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX  were placed on my credit report. I also applied for an auto loan which was denied as well and had another hard inquiry on my credit report from XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-02-12
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. (OK)

I am filing this report because I discovered that there are many discrepancies on my credit report, I have noticed some unauthorized inquires on my credit report.It is totally unfair to place inquires that i do not know anything about on my report, this is a total violation of fair credit reporting and directly violated my consumer right.please kindly investigate and remove all inquiries involved. 

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