davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NJ)

Paypal Mastercard had a system update in XXXX XXXX I received an email letting me know if was happening, and naming my auto payments would be deleted and I would need to reenroll. Once update was completed, I received an email with a link asking me to login to my account. Once I clicked the link, nothing happened. I explained there was an error and my account could not be accessed. Assuming it was an error that would corrected with time, I attempted to log on again before my payment was due. I was once again unable to log in. 

Upon realizing my payment would be late if I did not pay, I attempted to make my payment via phone. Once again, I was unable to make my payment. Even when transferred to an agent, I was unable to make a payment. Causing my payment to be late. Although PayPal was unable to take my payment, they still charged me late payment fees on my account. Recently they corrected the phone payment issue. However once payment was made my credit limit was lowered by {$1000.00} which impacted my credit score. 

I have been unable to access my account since XXXX XXXX  despite SEVERAL attempts to correct the issue. I have called Paypal and asked them to remedy the issue. Each time ( between 5-6 times ) I was told my Paypal would link to my credit card in 5-10 business days. Each time I was told the issue would be corrected and I would receive a phone call back regarding the issue. The phone call never came. 

I have since paid off this card and I am concerned they will either close the account, which will impact my credit score or lower my credit limit even more. I have worked to correct these account issues, however Paypal has been unwilling to do their part.
Consumer complaint received 2017-06-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GOLD KEY CREDIT, INC. (NJ)

on   XXXX   i had a   XXXX   in my   XXXX  , i went to doctor to check, but he could not know so he sent me to   XXXX   XXXX   in  XXXX  and they check everything for me and i left the hospital after about one hour then after that by one week the hospital sent me the bill for {$580.00} then i call them why did not they use my health insurnce they told me sent us copy of your insurnce because we do have it after i sent it by 2 weeks the hospital changed the bill and they sent me another bill for same service for {$1300.00} so they raise the bill because the insurnce will pay not me but that amount was deductible means that customer supposed to pay, since that time i 'm trying with hospital to pay the 1st bill but they want me to pay it {$1300.00} they want me to accept their stealing i do not know by any logic they are doing that, after that they sent me to GOLDKEY CRED ( collection agency ) to force me to pay i called goldkey to explain for them and they were nice in 1st call they told me they will help me to let he insurance pay the difference because the change in the two bills was because of the insurance and i sent them all bills but after they found me on the right and the insurance did pay any thing so they did not do anything with insurance and because the insurnce is bussiness they can not lose it may be they can get more customers so, and as you know that collection pay 10 % to hospital and they get % 90 of the bill for them so collection do not care if the creditor is right or no because collecton will use the tool to force me to pay now they reported me to credit bureau to destroy my score i do if that legal or no i have bill for {$580.00} and the hospital want to charge me for {$1300.00} and i f i complaint their fraud they sent me to collection and collection help them to destroy me or to force me t pay
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX - account reports last payment as both XX/XX/year> and XX/XX/year>. Inaccurate payment dates ( do not match ) on Equifax, it reports as on time payments, but shows as 120+ days late. Inaccurate reporting. Requested to be fixed but only gets updated.
Consumer complaint received 2023-05-16
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$620.00}, XXXX XXXX XXXX XXXX {$3900.00}
Consumer complaint received 2024-10-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

On XX/XX/XXXX I reported to Paypal a series of unauthorized charges and withdrawals from paypal to a lost/stolen debit card. The closed my case on XXXX and I since then tried to get it reopened and they without investigation immediately closed the dispute case on XX/XX/XXXX. I also received notification from Paypal that there was an outstanding balance on my pay pal account which I have for over decade at this point, stating I owe a XXXX. When I called and looked further into the activity on my account I realized that someone sent money to themselves claiming to be " XXXX XXXX '' from an email address that I got locked out of and could not access at the time ( XXXX ). The were fraudulent emails and correspondence sent back and forth which appeared to be from ( teamdiamondpromotions ) paypal account, which in fact that was not the case, leaving me in the negative plus a XXXX XXXX  fee that incurred as well. They still have yet to resolve this issue and as I explained there has been a significant amount of fraud with my bank account and as well as hackers accessing my email. I want my money back immediately!
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Dear Mr./ Mrs . 

I am writing you this letter regarding payments that were marked late by your company for the following on the following date ( s ) : XX/XX/year> It is my understanding that per 15 USC 1681 ( a ) ( 2 ) A ) 0 ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. 

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15. 

You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the date specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( Equifax, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. 

Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 

Regards/Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-06-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: NRA Group, LLC (MN)

On XXXX/XXXX/XXXX I had my bureau information pulled to complete a motorcycle loan. They informed me of a collection account that was added to my XXXX bureau XX/XX/XXXX. On Monday XXXX/XXXX/XXXX I pulled my Free Credit bureau from XXXX and noted that I did have a new unpaid collection from XX/XX/XXXX on my bureau from National Recovery. I needed to get this collection account removed in order to get the best rate on my motorcycle loan. I called the number listed on the collection and they were not able to find a collection in my name. They informed me to contact XXXX to obtain the full account number. I contacted XXXX and entered a formal dispute for this item and indicated I had not received any written notice and I obtained my account number. I called back to the National Recovery unit and offered to pay the collection if they could immediately send me confirmation via Fax or Email that I had paid the debt. They indicated they would not be able to send me confirmation of debt payment immediately and I would instead need to send them a self-addressed stamped envelope to receive a receipt of payment. My account number for the collection was XXXX and my confirmation of payment is XXXX. These practices cause consumer harm. Not having received written notice does not give the consumer the opportunity to dispute a collection prior to it showing up on a credit bureau and then not allowing customers to immediate proof of payment on a collection can result in them having a higher interest rate on loans. A consumer has the most rights to their own information and with today 's technology collection agencies should be required to provide an immediate receipt to customers. National Recovery should be investigated for violations of the Fair Credit Reporting Act for not sending out a written notice prior to entering a collection account on my credit bureau.
Consumer complaint received 2023-05-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

This in regard to an existing complaint XXXX. This was closed but it was not satisfactorily solved. Wells Fargo septa communication indicating they need more information, but they did not identify the information required. Until I know what they need, I will not contact them. 

I need your help to resolve my complaint. 

Best regards XXXX XXXX
Consumer complaint received 2016-06-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP (UT)

I opened an account with keybank under a promotion after reading the wording on the promotion of had questions so I call the bank to get clarification on the promotion. Asking questions about it my question was can I deposit the XXXX dollars in split payments of XXXX each payment representative states yes as long as it is done with in the time frame I reiterate that I am splitting it representative states of will be fine. I call an double check on progress and every rep indicates I am on course just need the time frame to expire. Once it is time to pay me XXXX they state I do n't meet the criteria I explained I double checked on this and was told by there employees I was okay to deposit the money the way I did. Had to call the executive officer where I had to call them back several times to get told they can not pull the calls so they asked an employee to recite the promotion so due to that you 're investigation was over and I will not get the money. I explained I should not be penalized due to there employees telling me wrong. They said it is in writing I explained yes I know that and did not complete understand it so called to clarify and was told wrong or this would have been done correctly and I would have gotten the money promised.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I hope this letter finds you well. I am writing to bring to your attention an inaccuracy on my credit report that requires immediate correction. Upon reviewing my credit report, I noticed that an account associated with XXXX XXXX  XXXX has been listed under my name as a liability. I would like to clarify that I am not financially responsible for this account. I was added to this account as an authorized user only, and as such, I have no legal obligation to repay any debt or manage this account. As an authorized user, my involvement with the account was limited to the use of the account under the primary account holder 's supervision. I did not enter into any credit agreement with the creditor, nor did I sign any contract obligating me to repay any charges associated with this account. Therefore, it is inaccurate and misleading to reflect this account as part of my personal liabilities on my credit report. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain accurate information in credit reports. The inclusion of this account as my liability is a clear violation of this requirement and adversely affects my credit standing. 

XXXX XXXX  XXXX
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I was utterly shocked to see inaccurate accounts pop up on my credit report this morning, and Im completely baffled as to why this happened. I do regular checks on my credit report, but this time, there were errors that appeared out of nowhere. I even tried refreshing my browser to see if it was a technical issue, but the wrong accounts didnt disappear. Because of this, Im asking that the documents Ive submitted be thoroughly checked so I can stop worrying about this.
Consumer complaint received 2017-06-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

I contacted the credit bureau equifax concerning an account with  XXXX  loans for  XXXX  which i sent certified asking them to verify the accuracy of this claim and as of  XXXX   XXXX ,2017 i havent heard back from them i sent this request letter certified since  XXXX    XXXX ,2017  and has never been disputed
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from my credit report. 

Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX : XXXX. XXXX XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

Thank you for your attention to this issue. I look forward to your prompt response.
Consumer complaint received 2016-10-14
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: KEYCORP (OH)

I have about {$5000.00} in fraudulent charges from a XXXX. These charges are unauthorized. I have contacted Key Bank via postal mail but have n't received a response. I am XXXX so I can not call their fraud number that they 've given me and they wo n't allow you to initiate a dispute via email. So I mailed them a dispute letter about these fraudulent transactions. There are also about {$150.00} in foreign transaction fees. 

After doing some research, you should be aware that XXXX is n't even allowed to do business in the United States or with any U.S. citizens for that matter. They are an unregistered, unregulated brokerage firm of some sort and do not comply with U.S. laws. In other words, they are illegal and should never have been able to charge my debit card in the first place. I am attaching a document from XXXX that the SEC published that backs up the fact that XXXX is illegal.
Consumer complaint received 2017-06-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (GA)

Company ( Navient ) is non-responsive and has requested duplicate documentation- numerous times over the last 12 months in an effort to stall and let my account go delinquent. I have continued to make monthly payments based on US Department of Educations Laws and guidelines. This is based on the max. percentages allowed of borrowers discretionary income and on current income documentation provided to Navient with a New Income based repayment form..
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Last request/response from Navient : Navient stated that my  XXXX  tax return was no longer a valid form of income verification because it was now outside the first Quarter of  XXXX ??? This form of income verification was used and additional documentation ( example : former employers verification of date when job was lost ) which by the way has now been over a full year ago. Yet Navient continues to place obstacles in my way to utilizing a Income Based Repayment plan. They have offered deferment ( numerous times ), which is not a good choice, because all that accomplished is a few months delay on your payments and then they resume ( with additional interest charges ), Navient avoids at all cost, offering what the US Department of Education endorses in repayment plans. Including the Income Based Repayment Plan.
Last request from Navient was for pay stubs and a New Income based form. All this documentation was down loaded ( XX/XX/XXXX  ) per their secure website and since I sent the documentation they requested, they have gone silent ( current date  XX/XX/XXXX  ) or 5 days since they received the required new income documentation. No response- no adjusted repayment plan-nothing. In researching a reason this was occurring, I found where the CFPB is suing Navient for exactly the same issues/problems that I 'm experiencing.
I lost my job in XX/XX/XXXX . It is now XX/XX/XXXX . My student loan payment is {$1300.00} per month and represents over 96 % of my decresanary income? This is a violation of US Department of Education Laws and no adjustment has been made in now over a year of trying to work with Navient. This includes sending the same income verification documents 4 times. I have notified the Attorney General of the State of Georgia and other legal and Government organization and agencies and am supplying them with all the correspondence ( and dates ) that and if I receive from Navient going forward.
Consumer complaint received 2024-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (CA)

I, XXXX XXXX XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. BARCLAYS BANK DELAWARE XXXX
Consumer complaint received 2024-10-05
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (MA)

Received an email from chase Important : We decided to close your account ( s ). They are closing 3 of my credit cards, 1 checking and 1 savings account On XX/XX/scrub>XXXX XXXX XXXX 

All credit cards have been paid on time, had direct deposit transferred to my savings and checking, and had money in the savings. 

Tried to reach out via phone but was told they could not let me know why and they will no longer let me have any account with chase. 

Tried going in store but they could not get any answers. So I withdrawed my money from both accounts and pending some sort of account closer confirmation from them. 

Here I am today opening this claim because I have been wronged with this account closure as I have been with this bank for the last 15+ years.
Consumer complaint received 2016-10-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NJ)

This is a follow up to claim # XXXX in which I disputed JPM claims that they do n't recognize or could n't find any loan on XXXX XXXX XXXX XXXX XXXX. I 'm still waiting for their response regarding : ( 1 ) Indicate whether apartment XXXX was one of the apartments pledged as collateral ( 2 ) The loan was originated by XXXX but then transferred to an Investor who used JPM as the servicing agent. Please indicate the promissory note owner. 
( 3 ) Date loan was fully paid off. 
( 4 ) Status of the lien release To assist in identifying the loan I enclosed and I am enclosing below copies of loan documents, XXXX filed as the servicer as well as copy of a check the corporation issued in payment of one of the mortgage installments.