davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paypal Holdings, Inc (NC)

I received a letter on XX/XX/2020 from a firm called XXXX XXXX XXXX XXXX stating that they were the new owner and creditor for my " referenced account. '' The referenced account was listed as " PAYPAL ACCOUNT. '' After reviewing my e-mails and PayPal and XXXX accounts, I was not able to determine what the balance was from as I had not received any e-mails from PayPal notifying that I had a balance that needed to be paid. The only notification I received was an e-mail on XX/XX/2020 from PayPal stating that my balance had been sold to the creditor XXXX XXXX XXXX XXXX. 

The letter sent by XXXX XXXX XXXX XXXX dated XX/XX/2020 states that payment of the amount of debt must be paid within 30 days to avoid reporting on my credit report, and subsequent damage to my pristine credit history. 

The reason that I am writing a complaint for fraud is that balance in question had already been paid to XXXXPayPal in XX/XX/2020. There was not attempt by PayPal/eBay to notifying me of the balance they sold to XXXX XXXX XXXX XXXX of " Balance : $ XXXX '' as stated in the e-mail they sent notifying me of the sale of the balance on XX/XX/2020. 

While I was initially unaware as to what this balance could be when receiving the letter from XXXX XXXX XXXX XXXX, I determined that it was from the sale of a pair of shoes on XX/XX/2020 and the associated fees with the sale that created the alleged past due balance were paid prior to my transfer from XXXX to my bank account. 

In this case, I believe that PayPal and XXXX XXXX XXXX XXXX are both fraudulent operators. PayPal 's fraudulent activity including the sale of accounts receivables to XXXX XXXX XXXX XXXX in which they had already received payment from the initial customer. 

I believe that XXXX XXXX XXXX XXXX is behaving fraudulently by knowingly pressuring customers of PayPal who have had their fraudulent " balances '' sold to XXXX XXXX XXXX XXXX to pay these balances immediately due to the creditor 's threat of causing of harmful implications to consumer credit reports and scores if their payment is not made within 30 days of notification of the XXXX XXXX XXXX XXXX 's ownership of the balance and request for payment.
Consumer complaint received 2024-09-25
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was billed by a car rental agency for {$700.00}. This charge, related to supplementary car insurance for a rental car, was not authorized by me beyond an initial three-day period, which I did approve. The charge for the additional insurance coverage beyond that period was unauthorized. After multiple attempts of resolving it with the merchant, I disputed the charge with Capital One, the issuer of my card. 

On XX/XX/XXXX XXXX XXXX  I received a denial letter from Capital One indicating that my dispute was not upheld. The letter informed me that this decision was based on my non-response to a request for additional information. I find this concerning, as it implies that the investigation may not have been thorough and that the burden of proof was improperly shifted onto me as the consumer. According to Regulation Z ( 12 CFR 1026.13 ), issuers are required to conduct a reasonable investigation of billing errors, and it is not sufficient to merely rely on a lack of response from the consumer. Further, I would be remiss if I did not flag for your review that while the document requesting additional information was posted to my online account, I never received an email informing me that an electronic document was available and needed my review. Perhaps this was an error in their email system or perhaps Capital One chooses not to inform users that electronic documents are posted. Either way, this raises compliance concerns under E-SIGN and Reg Z. 

On XX/XX/, I replied to Capital One 's denial requesting them to re-open the investigation and provide the documents relied on in the denial, including any merchant records or internal notes. I also provided merchant communications acknowledging that the merchant erred in charging me the additional amount. They replied to that request by re-asserting that their denial was appropriate and did not provide any documentation that they relied on ( if any was relied on at all ). As an aside - I also did not receive any form of notice that the second denial was posted to my online portal, further suggesting deep flaws in Capital One 's ESIGN policy -- relying on the consumer to proactively log-in to their account constantly to become aware of whether there are time-sensitive notifications requiring their attention.
Consumer complaint received 2021-01-07
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: EQUIFAX, INC. (CA)

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW!

I demand the following accounts be verified or removed immediately
Consumer complaint received 2021-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (TX)

File an complaint on my hsn account number XXXX my credit card been cutoff since year of 2001 my credit card been forergy bye some one vandalize my home while credit card was in my home & purchase some items off my credit card charging me for the items been purchase.
Consumer complaint received 2020-12-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

What would be fair is to re-modify the loan and do what is right. Loancare, your are getting your money, plus some. Give back the {$30000.00} ( number not exact ) After the 30 years I will pay {>= $1,000,000} Plus, what I already paid, the first 2 years.

Please fix this, I am asking you from the bottom of my heart. 


Thank you
Consumer complaint received 2020-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO. ()

Well I discovered that a credit card was being used without my knowledge for a long period of time and it showed up on my credit report and I have never dealt with this company before but its being paid on time but from the income I bring in its showing my credit card use is at its max unsuccessful to get in the account cause I dont have the username or password and I want it removed from my credit report cause that card does not belong to me
Consumer complaint received 2018-01-30
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Student Loan Care, LLC (NC)

XX/XX/XXXX. email to company XXXX XXXX XXXX XXXX XXXX Hi , I called to get my account canceled in XX/XX/XXXX. I was under the impression your company was working for the government helping me pay off my student loans. I was scammed. Now I'm upset because it hit my credit score. However, I had no idea I was taking a loan out from your company. I need this off my credit and I need to speak to someone in higher management to reconcile this out. 
Please let me know what actions needs to be done to get this cleared up. 

Thanks. 

XXXX Texted me XX/XX/XXXX Telling me I have 72 hours to respond or they are going to a third party for collections. 

Emailed me yesterday XX/XX/XXXX You have Defaulted on your Student Loan Care/XXXX XXXX payment agreement. You have 72 hours to respond to this correspondence. We have attempted to reach you and receive approval for the XXXX XXXX loan forgiveness program offered in XX/XX/XXXX for past due XXXX clients that have a hardship, but since no response or attempt to postpone your payment has been given, your original contractual agreement will become effective immediately, and all past due, fees, payments, and interest will be solely your responsibility. XXXX XXXX and Student Loan Care reserve the right per agreement to utilize 3rd party collections which are included but not limited to legal, credit, and stage 4 collections. 

XXXX XXXX XXXX Student Loan Care LLC. 
Consumer Services Advocate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX P XXXX F XXXX E XXXX XXXX
Consumer complaint received 2018-01-30
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: CORELOGIC INC (MN)

On or around XX/XX/XXXX i applied for a mortgage, i received 2 credit inquiries on my credit report instead of one. One was on XX/XX/XXXX and the second was on XX/XX/XXXX under the creditor name CREDCO. I want one of the 2 inquiries removed so it does not drag my credit score down even more
Consumer complaint received 2021-01-07
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: AutoBank Financial, LLC (IL)

My husband and I purchased and financed a car from this establishment had problems with them from a start but eventually moved away and continued making our payments ON TIME and never contacted them again. My husband unfortunately got into an accident and was car-less for 4 months. Was a total loss. We called AutoBank Financial a week before new years and a day or 2 before XXXX to ask if they got the paycheck from our insurance for pay off and we asked them if it cover the full amount and they said yes. On XX/XX/XXXX i found out AutoBank Closed our account under FALSE pretenses making both our credits go down significantly, saying that we still owe money towards that car and have not paid. We called them MANY times asking why they told us it was paid off when it wasnt and asked for receipts of what was paid and the remaining amount and they kept giving us the run around. Apparently no one in that place knows anything because we spoke to manager and customer service and no one knows how to answer our questions. Truly unprofessional.
Consumer complaint received 2020-06-02
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. (CA)

Equifax is reporting incorrectly that I am ( 120 ) days late on the XXXX partial account numbers XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureau and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureau to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Consumer complaint received 2024-10-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I always pay on time, so Im unsure why Im being marked as late for certain months. USC 1666b says billing errors need to be fixed, and my account should show I paid on time.
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting Act 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 2020-11-20
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. (NV)

In XX/XX/XXXX I disputed a few lates on my credit, at that time Equifax began updating my status as delinquent on a loan that closed in XXXX with a XX/XX/XXXX balance, I have tried numerous times to have them equifax fix this as it is not on either of the other credit reporting agencies and they absolutely refuse to help in anyway.. This is impeding my home buying process and I need it fixed right away and Equifax states that it is XX/XX/XXXX and XX/XX/XXXX says they have not reported on my credit since XX/XX/XXXX at which time they only reported that the account was paid in full
Consumer complaint received 2020-11-20
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (VT)

My wife, XXXX XXXX, received a debit card from USbank ReliaCard in the mail. It is for unemployment benefits from the State of Ohio. She has never lived in Ohio. She is not unemployed, and has never applied for unemployment benefits. The State of Vermont ( where we are residents ) told us this represents identity theft. Repeated calls to USBank have been fruitless. Its website has not been helpful. Today, as I write this I have been transferred to an unhelpful menu and been on hold for 25 minutes so far.
Consumer complaint received 2020-05-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MS)

I have been sending and receiving money thru paypal for a long time and decided I would just use them as my bank so I deposited XXXX into paypal and I was going to take a trip and had someone that was going to set it up for me so I sent them XXXX and tried to send more several ways but paypal kept turning it down and then they ask for all kinds of id which I sent to them and then they said I was doing fraudelent activity and closed my account and kept my money and said t hey were going to keep for 180 days and I tried to tell themn that was every XXXX I had and had transferred it from my own personal bank account and they refuse to even listen and just send me automated messages when send them messages and you can not talk to a live person at all. now they sent me a message saying they had refunded XXXX to someone and that someone had closed their paypal account and I ask t hem about that and they said that they couldn't find anything on it but it is in their resolution center and I sent them a copy of the letter they had sent to me. These people are crooks and has just stolen every XXXX  I have and refuse to even talk to me about it. I have ask them to show me where I had did fraudelent activity but you can't talk to a live person. Thanks
Consumer complaint received 2018-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (PA)

I filed a quality of service dispute on XX/XX/XXXX ( Dispute # XXXX ). The investigation was not done properly by the bank and therefore the bank asked that i refile the dispute. I filed it the second time on XX/XX/XXXX ( Dispute # XXXX ). In a letter dated XX/XX/XXXX, the bank said the charges are valid based on the infomation provided by the merchant. I asked the bank to provide me a copy of the information received from the merchant. I was told that the no information was received from the merchant as it is voluntary. Based on the conflicting information provided, i contacted the executive office of the bank through BBB. On XX/XX/XXXX, i was informed by the executive office that they can not file a dispute because of the guidelines provided by XXXX. On XX/XX/XXXX, i contacted XXXX and was told that the dispute can be filed under Reason Code 53.

Chase had repeatedly failed to dispute the charge with the merchant. By doing this, Chase is standing behind fraudulent merchants.
Consumer complaint received 2018-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CA)

My account was not over drawn as I checked with Chase to validate.I gave a check to a Company that was working on my property.The name XXXX XXXX check # XXXX for XXXX dollars.I had given him checks before from the same account, He went to Chase Bank at XXXX XXXX XXXX XXXX and he was denied so he called me and i spoke to the bank person who told me he didn't know what was wrong.XXXX XXXX then went to a second Chase location at XXXX XXXX XXXX and the same thing occurred by this time i was seething. I am in XXXX California 30 miles from him and he needed to pay child support. I told him to meet me at The Chase Bank at XXXX XXXX XXXX in XXXX XXXX and we were helped by XXXX XXXX who was courteous and tried everything including calling Chase and verified I had the funds. ( XXXX ) his phone number.I tried the first and wrote a second check that cleared and then bounced.I was over 2 hours of down time and facing 2 bridge tolls and a shooting that had tied up XXXX XXXX in XXXX XXXX.I then told them to withdraw cash as XXXX was up a creek with Child Support.I am baffled and disappointed in Chase.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (NC)

American Express closed my consumer account. The Creditor confirmed the debt has been canceled and any negative remarks removed. Please remove account from my credit report immediately. This poses an identity issue for me. I was apart of a data breach recently with XXXX.
Consumer complaint received 2020-11-20
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (MO)

XXXX XX/XX/2020 An unsolicited USBankReliaCard was mailed to me at an address I have not lived at for four years. The card was forwarded to me by the current resident at that address. The card is supposedly for receipt of unemployment benefits from the Colorado  Dept of Labor and Employment ( CDLE ). I am retired. I am not employed. I am not unemployed. I did not file for benefits. I have not lived in Colorado for four years. I have not been employed in Colorado for many more years than four. I believe this an attempt at fraud or identity theft. I have attempted to contact USBank ReliaCard to deactivate the card, but can not get anyone to answer the phone. I have notified the three credit reporting agencies of this potential fraud activity. I have filed a fraud report with the CDLE. I have attempted to file a report with the FTC and have been directed to this bureau. I plan to file a police report.

Please notify me if there is something additional I can do to stop this fraudulent activity.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am submitting this complaint on my own behalf. After reviewing my credit record, I discovered the presence of late payments. Despite sending letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter. 

I politely ask that you fulfill my previous request. Please promptly update these transactions to reflect the correct reporting status on my consumer report. Your immediate attention to this issue is greatly appreciated.