davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-02
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 (TX)

Hello, I opened a paypal account recently, using my gmail account XXXX. I just wanted to explore paypal to see how it works, but for some reason I get the message saying that my paypal has been permanently disabled due to fraudulent or stolen information provided by " me '', I really don't think paypal is reliable to use, because they just steal people 's information. After providing my drivers license and SSN then they permanently limit my paypal. I'm not so satisfied with this. Please kindly look into this Kind regards XXXX XXXX
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I have contacted the following company that has a hard inquiry on my credit report on Equifax and they have no knowledge of me. XXXX XXXX XXXX/XXXX/2022
Consumer complaint received 2020-06-13
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: CITIBANK, N.A. (OH)

So I had CBNA Best Buy credit card. The card ended up closing in XX/XX/2017 because I was laid off. I have tired contacting CBNA about the matter in order to settle the debt, but everytime I call they can't find me or shows I never had a card with them. I am working to remove negatuve annotations from my credit file and this is adherring me from doing so. I need proper contact information for the company or I need the report off my credit
Consumer complaint received 2018-08-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (CA)

I sent a letter via certified mail to XXXX XXXX. To inform them I am disputing a debt. 
Pursuant to the FCRA & FDCPA I exercise my lawful right to question the validity of this debt. According to the FCRA section 609 ( a ) ( 1 ) ( A ) -There company is required by federal law to verify through physical verification of the original signed contract. 
I requested them to provide me with a copy of the following. 
Copies of any and all documents showing I agree to pay, what they say I owe Copies of their bond and license to collect in California A copy of the agreement authorizing them to collect debt on behalf of the original creditor An accounting statement on how they reached the amount I supposedly owe A copy of the original contract I signed with the creditor, bearing my signature and S.S. 
The name and address of the creditor Copies of copies are not validation and by law are not considered proof. 
Under the FCRA unverified, invalid accounts must be removed. They were unable to provide me with a copy of verifiable/ validated proof within 30 calendar days. My request for the account to be verified or removed was ignored. 
They are obligated by law to verify or law or remove. This is a clear case of unverified debt. I was given no evidence or obligation to pay this debt. It has a negative impact on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX, Ca, XXXX
Consumer complaint received 2022-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (TX)

Barclays Bank of Delaware process an application online for credit from a fraudulent unauthorize source that was computer based. I have repeatedly ask to have their credit inquiry removed from my XXXX account. They refuse. This fraudulent inquiry harms my reputation and my credit reputation. I have worked with all three credit agencies to remove recent fraudulent acts to open credit or checkingXXXX XXXX XXXX, XXXX XXXX and XXXX have all in the past two years has attempts by third parties. For the most part they have all been removed, but I now have to live with all accounts frozen and pay to open and close them. The recent Barclays attempt got through because in my grief for my wife, I forgot to freeze XXXX again after I got a loan at my local security credit in XXXX. XXXX refuses to close and remove all information from their system concern their fraudulent access to my records. Freeze and thaw should be free.
Consumer complaint received 2022-08-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (LA)

Still having difficulties with Experian!! I call every day and get the same answer. call back in 24 hours. I have let them know I am victim of identity theft, and the thief has logged in and changed my secret passwords and used a new id. Every day since this happened, I have tried to gain access to my account. I get told every day to upload forms and I call back every day after I try to upload forms. When uploading forms, it gives error message. I have tried on numerous devices and used numerous browsers to send but it will not upload. I was told by XXXX on XXXX and she said its not her issue if the upload want work. 
XXXX talked to XXXX, XXXX spoke to XXXX, XXXX, XXXX spoke to XXXX and XXXX XXXX spoke to XXXX I can not even upload my police report. Ever time you try to upload something the error message comes up and states no file chosen even though one was chosen. I have also on multiple occasions told them the username has been changed. No one will help me and I am trying to prevent more damage to my credit. Only sending 2 uploads but hvae many more with different days and times
Consumer complaint received 2020-06-13
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC (NY)

On XX/XX/XXXX I visited XXXX  office with a friend of mine who recommended XXXX XXXX XXXX as a great dentist. XXXX XXXX did a simple oral exam, her assistant took some x-rays, overall the visit lasted less than 30 min. After than I called several times trying to schedule an appointment for cleaning however they were not able to accommodate me with the times that would work for me, so I decided to go make an appointment at the office where I cleaned my teeth for the past 5 years. I went there on XX/XX/XXXX and on XX/XX/XXXX they billed my insurance for their services. On XX/XX/XXXX which is now over 5 months after my visit to XXXX XXXX XXXX at XXXX XXXX, they decided to bill my insurance for {$750.00} for services that were never performed, one of which is XXXX XXXX ( cleaning ). Since my dental insurance already paid for my cleaning, exam and XXXX which were actually performed on XX/XX/XXXX they declined to pay XXXX. 3 weeks later I received a text message from the office of XXXX that I must pay them {$380.00}. I called and spoke to XXXX  and she said it's some kind of mistake and I should just disregard it. I would also like to point out that I never even once received any itemized bills from XXXX XXXX, the only reason I know they tried to bill my insurance for services they never performed is because my insurance sent me the copies of all claims. Once again, after couples of texts and conversations with XXXX XXXX next thing I know XXXX XXXX forwarded my balance to collection agency that now tries to extort over {$900.00} from me ruing my credit score. This office filed false claims which is a serious violation and now they are trying to extort money from me for services that were never performed. It appears from my research that this is what XXXX XXXX does, they have a scheme. I saw other complaint on XXXX site which is literally identical to mine and what is even more telling, XXXX  XXXX   response is exactly the same, blaming customers for receiving money from Insurance companies and not sharing it with them which is absolute absurd and can easily be verified.
Consumer complaint received 2018-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (VA)

Today, XX/XX/18 a new inquiry appeared on my XXXX  report, XXXX  and not on XXXX  yet from LOWES/ XXXX XXXX, from XXXX  Florida . I already contacted XXXXXXXX XXXX and left a message and emailed them. This is the second time this has happened with that bank as they worked on another inquiry. This Lowes inquiry was made sometime today and XXXX XXXX alerted me about two hours ago. Synchrony XXXX XXXX, ext XXXX.
Consumer complaint received 2022-07-05
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: EQUIFAX, INC. (FL)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2018-08-29
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. (NY)

equifax and XXXX are reporting two negative accounts one from XXXX XXXX  and the other from XXXX XXXX XXXX.one was deleted once before under the previous debt collectors and then in XX/XX/XXXX added back on to my report.The current..I 've advised the reporting agencies and the collection agencies that these lines of credit were opened using my information without my consent. I never really checked my credit consistently until about 3 years ago and that is when I discovered these two accounts along with about 3 others which when contacted were promptly removed. The new debt collectors have also re aged the accounts to make it seem on my credit report like this is a brand new debt when in fact both the items are from XX/XX/XXXX and XX/XX/XXXX and they are reporting the accounts as just defaulting in XX/XX/XXXX and XX/XX/XXXX, because of all this inconsistent information on both of these accounts. I've disputed these two accounts over a dozen times since I first discovered them back in XX/XX/XXXX. One was finally removed in XX/XX/XXXX and then purchased by accelerated financial and put back onto my credit report in XX/XX/XXXX. All i've ever requested was for the last two negative accounts to be removed. If you look at my credit report I have over 12 credit cards for the past 3 years and not even one has ever been late ever these two accounts don't even match the consistency of all of my current accounts. I would never  take out a payday loan product to buy anything ever because it is a recipe for disaster and its classic predatory lending targeting poor and desperate people and taking advantage of their situation for financial gain and there are easier ways like establishing credit ( which I have ) and making payments on an actual credit card ( which I do ). thank you for your time
Consumer complaint received 2018-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (NY)

Chase XXXX XXXX XXXX XXXX XXXX states I owe {$8600.00} when I and the authorized user already paid off all their debts was credited, never given the points for any payments, payments supposedly were returned by them but never shown as refunded into the bank account. XXXX XXXX states {$1100.00} is owed when I had received a letter saying paid in full then months later I received a letter saying payment was returned. XXXX XXXX says I owe {$530.00} when I never used the card online nor in person. XXXX XXXX states I owe them {$610.00} but gave it to a debt collector named XXXX XXXX XXXX. XXXX XXXX credited me back {$300.00} and shows XXXX $ then pawned off my account to XXXX XXXX XXXX and is now asking for {$610.00}. All of their debts were paid off, credited, my bank statements prove they were paid off and when they stated payment was returned none of it was returned to my bank account. I believe there is Identity Theft being committed by someone or by each creditor. Also XXXX is refusing to give the statements to prove that these debts have been paid off to the creditors.
Consumer complaint received 2022-06-28
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eagle Recovery Associates, Inc. (WI)

Received multiple calls regarding a dept that was sent to Eagle Recovery XXXX for and amount of of {$1000.00} I have asked for an itemized bill with every charge as will as a copy of the original invoice or receipt with my signature on it and I have not received they requested documents or they state that they do not have them.
Consumer complaint received 2020-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-03-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Southwest Stage Funding (MS)

Cascade/Southwest Stage Funding XXXX Has used creative accounting practices on applying my payments. In an attempt to pay off my mortgage earlier I have sent in extra payments to be applied to Principle. It was discovered that this money was being shown as ADVANCE INTEREST. I had sent notice that any and all extra payments in a billing cycle should be applied directly to principle. When contacted about this, Cascade/Southwest Stage Funding , then shown payments were corrected. I feel that I was charged interest on money that had been attempted to be paid. I have requested an audit by Cascade/Southwest Stage Funding to ensure payoff amount is correct. This action has not been performed. Due to displayed accounting actions of Cascade/Southwest Stage Funding I request an investigation into their accounting applications..
Consumer complaint received 2018-08-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

On XX/XX/XXXX Coinbase sent me an email stating that it would be closing my account for violating its terms of service. It did not say what part of the TOS I had violated. Coinbase then froze my account, and allowed me to withdraw my cryptocurrency assets only by using a tool on the Coinbase website. However, I was unable to withdraw {$7700.00} in US currency using the online tool. The only option that the online tool gave me for withdrawing the funds was a XXXX XXXX account that I had linked to Coinbase some months ago. By XXXX, however, that XXXX account had been closed for several months. Because my Coinbase account was frozen, I was not able to use the Coinbase website to add an new bank account to receive the frozen funds. 

I pointed out this problem to Coinbase on XX/XX/XXXX, the same day that I received the account closure notice. In a phone call and email I asked Coinbase to simply return the funds to the same account from which I had wired them into Coinbase -- a XXXX XXXX XXXX XXXX XXXX account in my name. On XX/XX/XXXX I received an email reply from Coinbase customer service stating : " Ive just checked your account and can confirm that your request has been properly escalated. Once your request is cleared, well be sure to follow up. '' By XX/XX/XXXX I still had not received my funds, nor had Coinbase provided any additional explanation for the delay. I again wrote to customer service asking for an update and explanation, but to date ( XX/XX/XXXX ) have not received a reply.
Consumer complaint received 2022-08-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP (FL)

I was approved for the XXXX Assistance XXXX program. Past due payment was sent from them in the amount of {$2400.00} on XX/XX/XXXX the forward payments begin XX/XX/XXXX. I provided the award letters to my mortgage provider and have called several times about the past due payment that they should have received and unfortunately get different answers every time. And I do not know what to do.
Consumer complaint received 2018-08-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (OH)

I sold an item on XXXX on XX/XX/XXXX, for {$52.00} and {$7.00} shipping, totaling {$59.00}. The transaction was processed through Paypal, and the funds were supposed to be released to me by Paypal on XX/XX/XXXX. The tracking system confirmed an XX/XX/XXXX delivery and the buyer left positive feedback on the transaction. On XX/XX/XXXX, the funds were not released as promised, so I first contacted XXXX and was told [ by XXXX ] that it was a Paypal issue, since the transaction had gone through Paypal. The reference number for my involvement with XXXX on this issue is XXXX, and it will confirm what I've stated. I then contacted Paypal, and was told that it was an XXXX issue, and even when I pointed out that XXXX was no longer involved in the sale, the rep still insisted that it was an XXXX issue. ( The transaction details reveal that it is not an XXXX issue, and that Paypal is responsible ). To date, I have invested XXXX minutes into telephone conversation and 'hold time ' to resolve this matter. As of right now, I do not have my item ( because I sold it ), and I do not have my {$59.00} and Paypal still insists that it is not their issue, when I have proven to them, through the account/transaction details, that is in fact their issue and not XXXX 's. At this point, all I want is my money - I have even stopped selling on XXXX as a precautionary method to prevent this from happening again. The latest correspondence I had with PayPal was on Monday XX/XX/XXXX at at XXXX XXXX Eastern Time, and was told [ once again ] that there is nothing more that they can do for me - the Paypal reference number is XXXX, which will confirm the details of the conversation.
Consumer complaint received 2018-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (FL)

on XX/XX/XXXX, XXXX, and XXXX 2018 i noticed hard pulls appeared on my credit report that I didnot authorize. This is my third attempt at trying to get these inquiries removed from my report the companies have not sent any information verified I sent information to aquire these inquiries.
Consumer complaint received 2022-06-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE (OH)

My wife and I entered the branch office the day after attempting to set up accounts using the online portal and specifically requested they close the accounts we attempted to set up. We were told that even though they were set up online they had to be canceled in person at the branch. They are refusing to do so and are charging us fees. 

We get daily emails and texts. ( example ) Hello, Your account nicknamed XXXX has a - {$25.00} balance as of XX/XX/XXXX XXXX XXXX XXXX. Please make a transfer or deposit to bring your balance above {$0.00}. For the latest on how Huntington is looking out for you during this difficult period, go to huntington.com/coronavirus. Thank you for banking with Huntington. 

This is the letter we handed the teller. ( The teller attempted to hand it back but we insisted she keep it. ) To Huntington Bank : Pleased be advised that after the online set up procedure and phone calls to the support desk we have determined not to move forward with opening any accounts with your bank and are terminating any and all that have either completed or are in process. The checking account number is ( redacted ). The credit card has not been activated to the best of our knowledge. The savings account was created and 'lost ' during the setup. Hard to say because the web interface lets you set one up but the phone support says it SHOULDN'T have allowed that. That and other issues encountered give us serious concerns about the ability of Huntington to keep our account and information secure. As a result we are insisting all accounts be closed and all of our personal information be deleted from your systems and we receive written confirmation of the completion of process by XX/XX/XXXX. I'm sorry this didn't work out. 
Sincerely XXXX XXXX XXXX XXXX So far the only thing we have received are emails telling us we owe them service charges on an account we insisted be closed. 

How can your complaint be satisfactorily addressed? 
They can honor what we asked of them.
Consumer complaint received 2021-06-02
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: ACIMA CREDIT, LLC (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft ACIMA CREDIT XXXX XXXX Account Number : XXXX This is not mine.