davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (CA)

JPMCB Slate Card XXXX Opened XX/XX/XXXX Closed by Creditor XX/XX/XXXX Late payments : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Made 89 % Payments on time, percentage was higher at time of closure. Recently became aware that account was delinquent and had been closed. 
Found this out after a rental company pulled my credit report. Due to this card and another closed by Chase Bank who reported several delinquent marks, my credit has dropped significantly. I am unable to rent any properties due to this. This acount to the best of my knowledge had been set up for automatic withdrawl for at lease minimum payment. I do not see the withdraw from my checking account nor application to Chase account. All negative marks still appear on credit report, along with amounts considered as due now. 

XX/XX/XXXX I spoke with customer service at Chase Bank with attempt to resolve the negative marks. I brought to attention that my account had always been on time until, unbeknownst to myself that the automatic payments had stopped being withdrawn. I was unaware of this, and want to make this right with the company. Customer service told me there was nothing they could do to help me. On Chase account online, there are no No notices or letters on my account. There are also no branch documents. 

I am a nurse that makes a great living. I am honest and want to make this right, I feel like this was out of my hands and I was unaware of the situation. Now I am unable to secure a place to live do to these negative marks. 
The creditor did not help at all.
Consumer complaint received 2020-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

We became Care/Credit - Synchrony Bank customers a few years ago. This account provides for " promotional '' charges which, originally, postponed full payment for one year, convenient for our veterinary charges of several thousand dollars. We continued on for several months, added a number of charges and made all monthly payments on time, and paid off the large " promotional '' balances when they came due for transfer to the 26 % accrual status. Many months along we saw that the " promotional '' period had changed and the interest imposition was occurring at 6 months rather than one year. We missed the " fine print '' explanation and that's on us. However, at the same time we learned that the promotional offer did not apply to charges under {$200.00}, and that our balance actually accumulated a few thousand dollars of such charges, which also was subtly mentioned in what appears to be an advertisement ; we learned this after calling Synchrony about what appeared to be an excessive and inaccurate balance. At that time I voiced a strong complaint that their statements omit the balance portion which is accumulating the excessive interest charges, but instead simply include the amount in the total, is easily missed and one only can obtain that actual " hidden '' amount by subtracting the pending deferred interest sub-totals from the total balance. As I told them at the time, I have never seen a credit card or loan statement which concealed specific balances accumulating interest, especially at such an exorbitant rate. It also appears that monthly payments are applied to promotional amounts as well as the hidden balance, so in order to apply payment to the hidden balance specifically one has to call Synchrony and be very clear that a payment is to be applied solely to the hidden balance. Clearly this works to the great benefit of Synchrony and to the detriment of consumers, particularly those who have not figured out this manipulative and deceptive practice. Further, if one goes to their website to make a payment, again there is no way no make the payment only applicable to the hidden balance. We not only find this an unfair practice and anti-consumer, but is fraudulent behavior which is at least borderline criminal. Lastly, during this time when staffing is limited there is NO WAY to make payment on the hidden balance, since neither automated telephone system nor website allow for it and a actual human can not be reached by telephone.
Consumer complaint received 2020-05-05
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: Colony Brands, Inc. (SC)

XXXX Opened XX/XX/XXXX Updated XX/XX/XXXX XXXX XXXX  Opened XX/XX/XXXX Updated XX/XX/XXXX I have tried to contact both of these companies in reference to fraud. I have never opened or used either of these accounts. When speaking with Customer Service, she updated my personal information that I used to verify who I was. The crediting report agencies will not remove.
Consumer complaint received 2020-05-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (KY)

My XXXX XXXX XXXX  reports show I have the following account with a limit of {$1700.00} and a balance due of {$100.00} : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX I do NOT have a PAYPAL CREDIT CARD! Please have this removed. I pay all my Bill 's and purchases with direct bank a count or credit cards, which I keep current or at XXXX balances ; those cards does NOT include a PAYPAL CREDIT CARD and I XXXX  the telephone number and everything says SCAM AND FRAUD! PLEASE REMOVE! 

Thank you, XXXX XXXX
Consumer complaint received 2020-05-05
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a coupe of fraudulent accounts that do not belong to me. Not only did I find out that my name and social security were being used to open accounts, but also while i was trying to file taxes my consultant informed me that my social security number had already been filed. Please removed these unknown items from my report as soon as possible. XXXX XXXX XXXX {$820.00} XXXX   XXXX XXXX
Consumer complaint received 2020-08-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Westcreek Financial (TN)

I purchased a mattress set on XX/XX/XXXX and they have me down for payment all they way up to XX/XX/XXXX, now that is too long to be paying on a mattress. It's not the entire bedroom set just a mattress and boxspring. 

The payments every month is {$150.00}. 

I made a payment on XX/XX/XXXX in the amount of XXXX and the payoff yesterday said {$47.00} which I was going to make today XX/XX/XXXX. I checked the system today XX/XX/XXXX to make the payoff payment and now the amount has changed, it's now {$100.00}. 

I need to know what happened within the past 12 hours to make it charge an additional {$55.00} dollars. 

The item was originally {$850.00} I'm paying for this item three times the cost. I've already paid a total of {$1700.00} as of XX/XX/XXXX. 

I need someone to help, this just too much money. 

Thanks
Consumer complaint received 2020-05-05
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$570.00} DEPTEDXXXX  XXXX {$3600.00} XXXX XXXX {$0.00} DEPTEDXXXX XXXX {$5800.00} XXXX   XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX   XXXX {$4900.00} DEPTEDXXXX XXXX {$2800.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} DEPTEDXXXX XXXX {$6000.00} DEPTEDXXXX XXXX {$3500.00} XXXX XXXX {$6000.00} XXXX  XXXX {$3500.00} XXXX   XXXX {$6000.00} XXXX XXXX {$3500.00} XXXX  XXXX {$6000.00} XXXX XXXX {$3500.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2020-08-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

To whom it may concern : On XX/XX/2020 I went on CFPB and found that my case was closed. I Click the attachment and found a letter dated XX/XX/2020 conveying they would be granting my {$2500.00} from being scammed on XX/XX/2020. I never received the letter in the mail at my address that is correct in the letter. 

The Letter is in the attachment below. I reads to install a new XXXX XXXX  App Square the part saying open a new App. 
( Based on our review, it appears that you granted access to your Cash App account to an unrelated third party ; and in turn, this unrelated third party used the access you granted to remove funds from your Cash App account. Nevertheless, we have elected to grant you a credit for the amount lost. Our Customer Support team has prompted you to open a new Cash App account so that we can issue the credit. ) XXXX Since the scammed I only been having issue with the XXXX XXXX App. I have reinstalled the Cash App more than once before I went to CFPB and seen the letter and again on XX/XX/220 and respond to CASH OUT support email address on XX/XX/XXXX, and XXXX 2020. XXXX XXXX I received an email for XXXX XXXX  app talking it will take 60 or more days. I do not understand snice it was my {$2500.00} was granted a credit, I was to let them know I reinstalled the Cash App. So the scams started up again after I reinstalled the Cash App. After checking my email I get a Text from XXXX because of COVID19 Federal Government talking about call XXXX XXXX the have a direct deposit {$9.00} XXXX call them. I did and they stated with the same question as they did when I was scammed on XXXX XX/XX/2020, I said do you not going get me twice and they hung up and then they on XX/XX/XXXX I got a call from them and again this Morning XX/XX/2020 XXXX and she said she was from XXXX XXXX   App and she need to fix my App, the call is what awaken me so I said oh ok sure thinking it was the real XXXX XXXX App support and then she ask if I would go to the play store and down load screen share ( same thing they done on XXXX XXXX ) I said so are you going to fix or am I going to fix it and she hung up.
Consumer complaint received 2018-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

this issue backs from XX/XX/XXXX when XXXX  XXXX XXXX did split an {$7100.00} credit card in two, one in dispute are XXXX sent to XXXX XXXX  in XXXX. While dispute with XXXX XXXX XXXX the split that cause unfair negative information on my credit report and they not take any positive attitude or had answer interest came compound that debit reached {$3100.00} reported on XXXX  and XXXX  XXXX XXXX for certain amount of time and at same time, how could be that when XXXX  XXXX XXXX reported sent to XXXX? 
More recently year by end year XXXX I contact XXXX to make an arrangement to pay that debit to clear my unfair debit, I did paid the amount with Bank receipt by XX/XX/XXXX the total amount. XXXX does report my credit card activity on Experian card account # ending in XXXX, the they state in their letter " your credit card # ending in XXXX ( the one that did carried debit amount ) is assigned to this account number being reported to the agencies. This account was transferred from XXXX XXXX XXXX " XXXX never reported payment to Experian even after I called the Bank to do so, as show on my credit history, appear incorrect ND and CO. Experian only state my comments. 
XXXX XXXX, always send a letter to me after I do request them to report Experian and fix the problem and last said on second paragraph " ... .XXXX reported this account as a paid charge off. Per Experian, this account is reporting as a paid charge off '', my question are, is it Experian will report to the Bank to say how the Bank will state on letter or the Bank will report to Agency? Why the Bank does not report paid as agreed on arrangements their letter dated XX/XX/XXXX? Charge off or Written off are considerate by Experian not paid to first creditor, But, never was first creditor or third parties, this were a new credit card sent by XXXX while ( XXXX ) kept another on XXXX   XXXX XXXX. Why XXXX never report to Experian? All this are unfair and hurt me with no reason at all, I believe there nobody that take the right attitude to do so.
Consumer complaint received 2020-08-27
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)

I've disputed this XXXX XXXX XXXX, and XXXX/XXXX   account on my credit report several times. I even provided documentation and spoke to several representatives over the phone at equifax and XXXX. They refuse to investigate and fix the problem. They will not tell me how they investigated, who they spoke to, and how it was " verified ''. Pursuant to FCRA 611 ( a ) ( 7 ) provides : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than15 days after receiving a requestfrom the consumer for that  description. in which both companies have failed to do. All they keep saying is " the furnisher said that it was accurate '' but, I submitted court documents along with my disputes which they refused to look at because some reason the complaint I previously filed is " 122 pages long ''. I even sent the documents separately through equifax and XXXX  upload system on their websites. They refuse to remove this charge off. I also notified each bureau Equifax and XXXX  that the file was charged off in XXXX so therefore it should not be reporting a charge of every month for the past 5 months since XXXX. My email notifies me every month that I have a " new missed payment ''. I've even pointed that inaccuracy out to their supervisors ( Equifax and XXXX ) and they refuse to remove the account. They  just keep putting the account back into dispute and telling me that its " verified ''. They are violating my rights and I am demanding something be done about this. They are not conducting " reasonable investigations '' or speaking to anyone and I dont feel that e-oscar is a sufficient way. I have also included a few other accounts that are being tampered with on their end which shows " 29 charge offs '' for XXXX account on my XXXX  report that is a charge off every month for 2 1/2 years. That was a duplicate account that popped up on XX/XX/XXXX out of nowhere so I spoke with a rep about the duplicate account. My score is completely damaged and can not heal from these mistakes. This is very inaccurate reporting from both equifax and XXXX. They are not investigating these disputes they are tampering with my credit file and I demand it be reasonably investigated or removed. That is a violation of my rights under section 616 and 617 of the fair credit reporting act. Equifax told me that, " they do not provide any documentation on how they investigate and that they only report what the creditor tells them to ''. That is also a violation under 616 and 617 of negligent noncompliance and willful noncompliance even though I provided them with court documents for my XXXX XXXX  XXXX account.
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

Due to the COVID-19 we contacted our Mortgage Company in  XX/XX/2020 to inquire on what options we may, or may not, have for future payments due to the uncertainty of what was to come with the COVID-19 pandemic. At that time they made us aware that our only option was a Forbearance Plan. Since that plan did not financially make sense to us we decided not to take advantage of this plan. We have not had one late, or missed, payment in the history of this loan. So here we are in XX/XX/2020 and we're trying to make a purchase that requires a Credit Check. At this point we've now been made aware that our credit scores, payment histories, etc. all look great, however there is a Forbearance Plan being held against our Credit and is now inhibiting the transaction. 

We immediately called XXXX on XX/XX/2020 to address this issue and asked for it to be removed. In a very generic conversation, they informed us that this request would be submitted in the next 24 hours, however it would not reflect on our credit scores until XX/XX/2020. We immediately asked for a letter from XXXX to use in the Interim stating that the Forbearance had been removed off the account and was in fact never used. The first 2 responses from that request were, " we don't have anything like that we can do ''. After a 3rd attempt, we were finally able to determine I had to send the request for this letter to " XXXX ''. I've sent 2 emails ( XX/XX/2020 and XX/XX/2020 ) expressing the time sensitive urgency in receiving this letter and I'm not getting anything back except for an automated response " acknowledging '' the email I sent. 

We did NOT approve the Forbearance Plan for our Loan. We did NOT utilize the Forbearance Plan on our loan. So now due to XXXX Bait and Switch tactics based off our proactive inquiry in XX/XX/2020, when the COVID-19 pandemic started hitting hard, this has now affected our ability to move forward with a very important additional purchase that requires a credit check.
Consumer complaint received 2020-05-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OH)

I have informed Paypal that these transactions are XXXX, and need to be refunded and charged back to the merchant. I cancelled the agreement 4 months prior to the free trial ending. Not only did the merchant charge me for 1 account, but they charged me for 2 accounts for music service as 2 different levels with the same account with paypal. There is not anyway a person would need more than 1 account. The company in question is XXXX   an online music streaming service. They will not answer phones and will not communicate directly. My virtual wallet credit account Paypal did stop further transactions, but has not and has refused to refund the unauthorized transactions. I need the funds in question, plus the original trial funds returned to me as promised. As Paypal dispersed the money without my consent, and is not properly responding to the unauthorized transaction and calling it a billing agreement I hold them responsible. There was no agreement in place. I saw the charge and immediately requested the refund. The service was never used, not paid for or trial. You would think the companies would do the right thing but as this juncture they refuse. 

Your help in this matter would be appreciated. 

Here are the paypal transactions XXXX XXXX XXXX XXXX XXXX XXXX XXXX my log in id is XXXX XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2020-08-28
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. (WI)

Recently I discovered after reviewing my credit bureau report that XXXX XXXX XXXX, a payday loan store and original creditor sold and charged off debt in the amount of {$5400.00} to ( XXXX ) XXXX XXXX XXXX XXXX XXXX. based on information obtained from my report this account was sold XX/XX/2016 and in accordance with section 809 validating debts of the fair debt collection practices act requires proof of the debt in writing. I have never received validation in conjunction with of the FCRA guidelines defined yet it is being reported on my credit bureau as verified as accurate ; no verification has been provided to demonstrate this company is licensed in my state to collect a debt and has been disputed with all three credit bureaus despite my request to obtain validation no response has been received. The information is being reported to all three credit reporting agencies is inaccurate and violates the FCRA ( S ) 1681 as 2. 
This item remaining on my credit report is in violation of federal law. ( XXXX ) has failed to provide me a copy of any original documentation required under Section 609 ( a ) ( 1 ) ( A ) and section 611 ( 5 ) ( A ) ( a consumer contract with my signature on it ) and under section 611 ( 5 ) ( A ) of the FCRA requires prompt deletion of all information which can not be verified. ( See attachment ). According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ) are required by federal law to verify through the physical verification of the original signed consumer contract that all accounts posted on the credit report. in accordance with section 809 validating debts of the fair debt collection practices act requires XXXX XXXX XXXX to provide information concerning the debt is validated which is in direct violation of FCRA 1681S 2.
Consumer complaint received 2020-08-27
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: BARCLAYS BANK DELAWARE (WI)

On XX/XX/2017. Barclays Bank Delaware added a derogatory mark on my credit report per Identityiq. Upon, further research, this account was transferred/sold and I am no longer responsible for this account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or SIGNATURE for this accused debt at all. A bill without a signature does not validate the debt and anybody can send me a bill and say its mines. According to the FCRA Barclays Bank Delaware has violated my rights in multiple ways and I'm requesting legal action to remove this account Immediately.