davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-14
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. (TX)

I have submitted multiple disputes and FTC letters regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
Consumer complaint received 2020-05-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (WA)

In XX/XX/2020 I received a XXXX interest balance transfer offer from XXXX ( XXXX XXXX XXXX XXXX ) Visa. I called XXXX and asked them to transfer {$4600.00} to my PAYPAL Credit Card. 

XXXX said they had to mail them a check for this payment. They mailed the check to the incorrect address at PAYPAL in XXXX, GA when it was supposed to go to Florida. XXXX, GA cashed the check, but did not apply it to my account. This was on XX/XX/2020. I believe this may have been the Paypal Division and not the credit card company. 

XX/XX/2020 I called XXXX and they informed me that PAYPAL had cashed the check. I then contacted PAYPAL to ask why it wasn't applied. PAYPAL said they had lost the check. They then found it and paid off my account. At that time I had a credit balance of approximately {$170.00} when I viewed it online. 

On XX/XX/2020 I received a statement online from PAYPAL which shows that they have removed the check from XXXX and that I still owe them. 

I called Paypal Credit to ask them why my payment has been taken off. I was told that there was a problem and that I needed to write them a letter asking them to apply the check. I then called back later to get the address for this letter and was told by someone else that the check had been returned to XXXX XXXX XXXX XXXX. 

Today, XX/XX/2020 I called XXXX and spoke with XXXX. He said that they have not received any checks back from Paypal Credit and their records show the check as cashed on XX/XX/2020. He was appalled on the responses we have gotten from Paypal Credit to this situation. 

I called Paypal Credit back again and was told them what had transpired and was told that it will take 30 days to rectify the situation. 

I need this account paid off in full immediately. I am in the process of buying a home and this is showing a negative effect on my credit. Currently I am owing XXXX for paying off this Paypal Credit Account as well as Paypal Credit refusing to apply it and retaining my balance plus accumulating interest.
Consumer complaint received 2020-05-13
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: Experian Information Solutions Inc. (CA)

I was trying to buy a car today XX/XX/2020 and when they ran my credit to see if I qualified for the loan, I was told that I was not approved for any auto loan with any company because there are a handful of accounts in negative standing appearing on my credit. I looked through the accounts and none of them are mine. I don't know why these accounts are on my credit or who could have opened them using my personal information such as my name, social security number, etc. therefore I have filed a police report. I did not get anything from these accounts being opened in my name and I did not take part in any purchases or payments made towards these accounts. I do not have a written/verbal contract with any of these companies and I did not give them permission to run my credit.
Consumer complaint received 2020-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was trying to buy a car today XX/XX/2020 and when they ran my credit to see if I qualified for the loan, I was told that I was not approved for any auto loan with any company because there are a handful of accounts in negative standing appearing on my credit. I looked through the accounts and none of them are mine. I don't know why these accounts are on my credit or who could have opened them using my personal information such as my name, social security number, etc. therefore I have filed a police report. I did not get anything from these accounts being opened in my name and I did not take part in any purchases or payments made towards these accounts. I do not have a written/verbal contract with any of these companies and I did not give them permission to run my credit.
Consumer complaint received 2022-06-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC (FL)

NATIONAL RECOVERY AGENCY is falsely reporting debt on my credit report. They are reporting two different accounts ; one in the amount of {$1200.00}, and another in the amount of {$970.00}. NATIONAL RECOVERY AGENCY is reporting both of these collection accounts, to all three credit bureaus with a false original date of XX/XX/2022. Both of these collections accounts are too old to be on my credit report. NATIONAL RECOVERY AGENCY is not legally allowed to report these debts to the credit bureaus according to the FCRA. It is the burden of NATIONAL RECOVERY AGENCY to prove that these collections reports are legitimate and they can not do so therefore these accounts must be removed from my credit report. NATIONAL RECOVERY AGENCY must stop reporting these accounts immediately as they are in violation of the FCRA. 

XXXX has recognized through a dispute that these collections accounts are illegitimate and they have been forcibly removed by XXXX. Please see attached dispute report. 

However, despite this NATIONAL RECOVERY AGENCY is continuing to report false information to the other credit bureaus. 

NATIONAL RECOVERY AGENCY ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NTL RECOVERY AGENCY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-05-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC (DE)

My account with Advance Financial was fraudulently breached on XX/XX/2018. The perpetrator hacked my account and began initiating payments from my bank account to free up balance on my flex account to then illegally and fraudulently initiate a payout of the balance. These payments resulted in several hundreds of dollars in overdraft fees in my bank account. I immediately reported the unathorized use of my bank account to my bank and the fraudulent use of my Advance Financial account directly to Advance Financial. I did not receive any responses other than automated email acknowledgments of my communication until XX/XX/2018 when my account was then fraudulently accessed TWENTY EIGHT times between XXXX and XXXX. After FIFTY NINE emails with Advance Financial and several phone calls I spoke with a XXXX and XXXX, who told me that he did not believe anyone had hacked into my account. After sending screenshots of the fraudulent charges and the 28 separate emails and the several emails of me pleading for someone to please respond and help, XXXX finally locked my account. At that time XXXX acknowledged the fraudulent use and initiated a refund of the fraudulent charges deducted from my bank account. At this point, there remains a balance due of {$3300.00}, which is a result of the fraudulent use of my account. This balance due has now been sent to collections with XXXX XXXX XXXX. I have made XXXX XXXX XXXX aware that the debt is NOT VALID and is a result of Fraud. I have also made Advance Financial aware to which the reply was your debt has been transferred to collection. THIS DEBT IS NOT VALID and is a result of fraudulent use of my identity yet I can not get resolution from Advance Financial.
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Flagstar Bank, N.A. (GA)

Dear Creditor, I am submitting this letter because I need to have my account updated as it is being affected by LATE CHARGES. I lost my job in XX/XX/2017 and was able to keep my payments up-to-date for over an entire year. I contacted you all multiple times for help but was not told about the modification program until I was already months behind. However, I was approved and given a modification to pay XXXX per month for 12 months. Those payments were made on time. Then, at the end of the 12 month period, I paid over 11,000.00 at once-even though I could not afford it but did not have a choice. 

I have late payments for 12 months on my XXXX, XXXX, and XXXX  accounts. I was approved for the modification and it was paid ON-TIME so I am unsure why my account is still appearing negatively. I want to stay with FLAGSTAR BANK, however, if this situation isnt rectified, then I will be forced to apply for another mortgage company so that I may start fresh. 

Please assist me with updating my account so that it may include on-time payments. 


Respectfully, XXXX XXXX
Consumer complaint received 2020-05-14
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: Navient Solutions, LLC. (IL)

In trying to resolve a disputed error on my credit report with XXXX XXXX for more than a year and to no avail have they responded to the error made on my credit report. To date, it continues to show a late payment entry from XX/XX/2014 as that is impossible since the account was closed and transferred to another lender with the same account number and that one showed no late payments and paid-in-full. It appears that I have a double entry for two of the same accounts. After being assured that all would be resolved, all ( 3 ) credit bureaus still show inaccurate payment information. I was then advised it was up to me to dispute with all ( 3 ) credit bureaus and I did just that. I have written countless dispute letters for more than a year and no removal. I have been trying to clear this matter for over a year with all ( 3 ) credit bureaus XXXX, XXXX  and XXXX  and creditor directly. I appreciate any assistance you can provide in clearing this matter.
Consumer complaint received 2021-11-18
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: CITIBANK, N.A. (FL)

I was sent an upgraded credit card from Citi Bank. I called in to activate it on XX/XX/XXXX which should have closed my old account. On XX/XX/XXXX my old card was used for 18 purchases, 15 of which were to a gov't agency in XXXX and 3 Auto places in XXXX, for exceeding my credit limit. I was never notified of this. I discovered it when I called in on XX/XX/XXXX to check my points. I immediately reported this to the Fraud and Security Department. They initially only tagged 3 of the items. I have since called and keep getting nowhere. I have received no communication from them at all. I have asked for correspondence and they have refused. I keep getting different answer as to why these other charges are not flagged under investigation. I received my statement and it says i owe {$12000.00}! Of that total only legally {$670.00} is mine. I even went to the branch bank and they were appalled by the communication via the phone to me. This has now been going on a day shy of 1 month and I still have no communication via text, letter, or email from them. My XXXX XXXX has dropped over XXXX points because they reported this amount to the credit bureaus. I was promised a letter would come today via email saying this was under investigation and nothing has arrived. I am at loss as of what to do next. Any other credit card company would place disputed items in a credit status while they investigate and send correspondence. Some of the agents i speak with are horrified when they look at this and can not figure out why this has not been resolved. Please HELP!!!
Consumer complaint received 2020-05-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CreditNinja Lending, LLC (MO)

On Friday XX/XX/XXXX I was notified by my bank, XXXX XXXX, that my account had been compromised by an overseas individual or individuals. XXXX XXXX, thankfully, put a hard restriction on withdrawals from my account. I immediately notified Credit Ninja  and spoke to a representative. They informed me that they would not know if the restriction kicked their auto draft payment out. This morning, XX/XX/XXXX I received an email that the payment in fact did not get made. ( I left enough in the account to cover any unprocessed payments ). I immediately used the link provided by Credit Ninja  in their email to pay the amount due, plus fees accessed. I was then pressed for my debit card information for this week 's XX/XX/XXXX payment, so I used the link to pay the amount due on XX/XX/XXXX. I'm then pressed more to give them my debit card information, to which I declined, stating that I will make my payment on XX/XX/XXXX ( I paid XXXX and XX/XX/XXXX ) online as I did this morning. They are now claiming that the second payment I made today went towards principle since it wasn't done on XX/XX/XXXX and I'll have to make an additional payment on XX/XX/XXXX. I provided back to them their email stating that they had received both payments and that my next due date was XX/XX/XXXX. 

I've already had my bank account compromised. I've already paid with fees the payment XXXX even though I'm a victim of fraud and paid my next payment so I can get my XXXX account re-established ( less the fraudulent access from overseas ) and they are threatening me with collections. This is unacceptable and abusive to say the least.
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Inaccuracies on all three Credit Bureaus on date of last payment and not reporting accurate information. Information is pulled from credit reports on XX/XX/20 from all credit bureau 's. XXXX, XXXX  and Experian for XXXX XXXX listed as XXXX XXXX XXXX. Loan has been payed off and Experian who last reported in XXXX still has not updated the accurate information.
Consumer complaint received 2020-05-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION (TN)

An auto loan was opened in XXXX of XXXX in the name of my XXXX father with Credit Acceptance Corp. The vehicle was totaled and Credit Acceptance sent the title to my father but it was added to his credit report and mine! They stated the balance owed was {$11000.00} and the account was closed in XXXX. XXXX XXXX I received an alert that the account was open and current. XX/XX/XXXX the account is saying open and the balance has increased by {$4600.00} on an account that was closed 5 years ago! I attempted to contact them several times over the years regarding the inaccuracies and they have refused to comply. This is causing financial duress as it has effected my credit score which is also causing undue emotional duress during a global pandemic. Credit Acceptance is predatory and unethical.
Consumer complaint received 2020-05-13
Product: Credit card or prepaid card — Store credit 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: JPMORGAN CHASE & CO. (LA)

I am writing to you today to bring to your attention an incident that took place with a Chase representative in XXXX of 2018. I called into Chase to discuss unauthorized charges on the account. When I went into detail with the representative, he told me to be more responsible with spending. The conversation went downhill quickly, the purpose of the call was to freeze the account and launch an investigation but after the call I was notified of a credit line increase. This gave me chills, not only did the account not get frozen, the unauthorized charges could be even more damaging with the increased credit line. No doubt this occurred out of spite with the Chase rep. I immediately cancelled autopay and blocked any payment to Chase through my bank, at this point I was literally fearful of this rouge representative. As soon as I finished up with my bank, I then called back and discussed the incident with a supervisor who assured me that they would review the call recordings and reverse the increase. 

The account has since been closed and charged off ; this does sadden me as I had previously maintained a 10+ year account with Chase always in good standing. I have recently received a letter from XXXX XXXX XXXX XXXX offering to settle the account. I am willing to settle the account with the agreement from Chase that they will delete from the credit bureau. The situation WE are in is due in part to the rogue agent.
Consumer complaint received 2020-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Paypal Holdings, Inc (NY)

I made a payment on XX/XX/XXXX to my attorney through PayPal. Once the payment left my XXXX XXXX card, the PayPal account email address was not active. PayPal advised that I make a second payment, which I did. The first payment was {$1600.00} plus the fee of {$47.00} total of {$1600.00} and the second was {$1600.00} with no fee to me. My attorney received the second payment to the updated email address, however, PayPal never returned my first payment of {$1600.00} to the incorrect PayPal account. Both were owned by my attorney, and both he and I have spent the last 3 months trying to get the money back. The first rep from PayPal advised me to raise a dispute with XXXX, I did that, and then after calling daily for 3 weeks I demanded to speak to a manager as each PayPal rep said it was out of their hands. When I spoke to the supervisor he said that the first PayPal rep should never have told me to raise a dispute, and that I now needed to cancel it. I cancelled it on the XXXX of XXXX and it was fully completed by XX/XX/XXXX. PayPal then said the same things to me, that I need to contact XXXX XXXX, I put both XXXX XXXX and PayPal on the phone multiple times and then PayPal said I needed to wait for the dispute to show cleared before they could do anything further. Nothing changed, until PayPal stopped having live reps on the phone due to COVID-19, and I could only do a Live chat message. I did that consistently, and they continue to say the same thing. In the meantime, my attorney managed to get into his old account, and saw where the money had been deposited, but that PayPal removed the funds as it is showing a XXXX  balance in the PayPal account that is not even active. I am occurring monthly interest fees, and am XXXX. Every penny helps, and I really need some help to finding out what is going on here. I would greatly appreciate your help with resolving this matter. Any advice or action is much appreciated.
Consumer complaint received 2020-05-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IN)

We purchased a puppy from a man in Texas on XX/XX/XXXX via the internet, we had contact through email. We live in Indiana, and he was supposed to ship the puppy to us the next day through ( XXXX XXXX   ) which is also a scam website and company. We paid {$740.00} to the man and that included the shipping fees, we XXXX 'd the money through our Chase account to the man and never received our product because he was a scammer. The next day the " shipping company '' tried to scam more money out of us. The man has since removed his website, XXXX. & the shipping company website is still up. But We thought we were covered by our bank since this was through our Chase account. We have called chase and XXXX and chase says that we are basically out the money bc they do not provide protection on funds sent to the other party since we authorized the transaction and they do not offer protection on money sent through XXXX. Had we paid with our debit card or a check they could refund the money. Mind you this is an app that is tied to chase and our bank account. I'm unsure of how to proceed. Chase wouldn't even make a claim for fraud from us bc it was through XXXX, XXXX made a claim but said we more than likely won't be refunded bc they also offer no fraud protection but am investigation team would look into it and send the claim over to Chase. I'm at a loss on how chase promotes an app that sends money through accounts but can not travel where it goes. The whole situation is unfortunate and I don't know what to do next or who to contact.
Consumer complaint received 2023-03-10
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. (NJ)

My name is XXXX XXXX this complaint is not made in error neither 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 accounts. 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.
Consumer complaint received 2021-11-17
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 (MI)

In XXXX of last year when my husband 's XXXX came through we needed a spot to deposit it. I chose my PayPal account. When the money was deposited the account was frozen. I contacted PayPal and they told me that my account was under review and would be that way for a standard 180 days. They have since opened new reviews extending that deadline. We are now at almost a year later and they are still holding the account XXXX. There is over {$9000.00} in the account, mostly XXXX  money, and it's time they released their hold of it.