davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AZ)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ).

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2023-08-22
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: SYNCHRONY FINANCIAL (FL)

I purchased items using my Paypal account back in XXXX of XXXX. I did not use one of items until XXXX of XXXX. I notice when wearing the item, white spots begin to appear all over the product. I also notice when water hits the product the color also fades on the handbag - before I knew this, I used a dry cloth to wipe the bag and the white spot got bigger on the front of the bag!!! I could not believe this - I only wore this bag one time! 

I reached out to the vendor and requested I be allowed to purchase the one pouch bag since it is made out of different material then the overall bag. It is the only portion of the bag that is faded. I was told no way by the vendor and the vendor also stated it was my fault. 

I reached out to Paypal to file a dispute claim against the company and Paypal disregarded all my evidence even though the company showed much deceit in the process of this claim. I can not believe Paypal would side with the fraudulent vendor. 
The vendor at first stated it would send me another bag if I dropped the dispute- which I asked for prove of this but it never came. Again, the company practice more deceit as it had no intention of sending me the bag but knew the bag was defective by making the offer. I also sent all this evidence to Paypal but the company did not care one bit. The company was willing to send a brand-new bag if I dropped the dispute which shows it knew the bag was faulty. The company even told Paypal that I already received a refund ( in XXXX ) but the refund was for an item being out of stock - I sent Paypal this as well and all of the evidence was ignored by Paypal. 
Paypal rep or team did not review my claim at all. Paypal disregard the fact that the company has been deceitful from the start of this claim. I make several purchases with Paypal account and have very few disputes - I am more than upset the company has denied my claim. 

Paypal stated reason for the denial is due to the description of the product not being different than what the vendor provided. I am not disputing the description but the fact the one bag I received is defective. It would not fade after one usage if it wasn't faulty. Paypal is allowing deceitful practices on the platform - any other bank would acknowledge the fact the company sent me a faulty product. I am only requesting a partial refund as I still have the product than I can no longer use. This is not how you service clients who use your platform all the time.
Consumer complaint received 2023-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I booked a vacation to XXXX on different travel platforms in XXXX On XX/XX/XXXX I had XXXX XXXX XXXX XXXX XXXX and tried to cancel my trip. 
All inbound flights was given vouchers but outbound trip bought on XXXX said they would return {$13.00} out of {$150.00} and company policy does not accept illness excuses (! ) I have all documentation from doctors, hospital and XXXX XXXX to prove that my trip cancellation was medical and not a whim
Consumer complaint received 2023-08-22
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: SANTANDER HOLDINGS USA, INC. (TX)

In accordance with the Fair Credit, Reporting Act. This creditor has violated my rights. Under 15 USC 1681, section 602 states I have the right to privacy. Fifteen USC sixteen eighty-one section six oh four A section two it also states a consumer reporting agency can not furnish an account without my written instructions. Under fifteen USC 's one six six six B. A creditor may not treat a payment on 'a credit card '' account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I ALLOWED A NEW OFFICE TO PREPARE MY TAX RETURN AND WAS ADVISED THAT MY INFORMATION WAS LOST DURING A RELOCATION. I RECENTLY CHECKED MY CREDIT REPORT AND NOTICED ACCOUNTS THAT I HAVE NO AFFILATION WITH OR KNOWLEDGE OF. I ALSO SEEN THAT SOMEONE HAS BEEN ATTEMPTING TO ACCESS LINES OF CREDIT IN MY NAME WITH CREDITORS SUCH AS XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I HAVE NOT AUTHORIZED THESE TRANSACTIONS I'VE CONTACTED THE CREDIT BUREAUS NOTIFYING THEM OF THESE ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERFIABLE.

FURNISHING INFORMATION WITHOUT MY WRITTEN CONSENT IS IN VIOLATION OF 15 USC 1681, ALSO FURNISHING ACCOUNTS RESULTING IN IDENTITY FRAUD IS IN VIOLATION OF 15 USC 1681 C-2
Consumer complaint received 2023-10-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

This company started calling me in XXXX immediately after my husband died. They stated that I have XXXX in collections on a capital one account. Not ever having a capital one account I dismissed this and hung up. However they continued to call constantly. After ignoring for all these months they called Thursday stating that it was now with a law firm, XXXX XXXX XXXX  XXXX, which I looked up and initially appeared to be legit. They threatened if I did not pay they would go after my business and my credit would be impacted. After XXXX hrs of argument they had convinced me and had me in total fear. My business is my only income to support my XXXX children as a newly widowed and single mom. After hrs of negotiation and scare tactics, they stated if I agreed to pay {$5700.00} they would settle. I continued to plead and explained I did not have the money. They then said if I paid {$2800.00} at that moment she would likely be able to get rid of the remaining balance. I agreed to pay this via my XXXX and they sent a docusign credit card authorization form from " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX'. Immediately after making the payment and getting off the phone I called Capital One who confirm that I did in fact never have any type of account with them ever. Following that confirmation I called XXXX XXXX in attempt to stop the payment, which I could not do. I have submitted a dispute but I assume they use that docusign for that exact reason. In further investigation I see that they have done this to a number of other people. They are extremely convincing. They had my SS # and many legit accounts and addresses that I have had over the years of my life. They used my husbands death and my financial insecurities and my children to manipulate me into giving them all of this money. These people need to be stopped. I have an XXXX XXXX XXXX. I run a good honest business. I am doing my best to navigate in my still somewhat new role as a single windowed mother at XXXX XXXX XXXX. These people are heartless theives and belong behind bars.
Consumer complaint received 2023-02-08
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: Experian Information Solutions Inc. (PA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 3 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2023-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MD)

I was recently switched from XXXX serving to Mohela for my student loan serving department. Since this transition Ive had issues with getting my employment verified to complete my PSLF employment certification. I have submitted documents on multiple occasion and the documents tend to be mark as duplicates without reviewal even when they are new forms. All of the forms submitted have all my employment history to certify my payments but they are not being reviewed, therefore, I still have payments that state they require " employment certification ''. Which is incorrect because all the documentation needed has been submitted. I have contact the company on multiple occasion and they state the payment tracker is " behind '', however this is the same incident that occurred when I had to resubmit my paperwork and wait an addition 60 days for it to be review again. My forms were submitted in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and they all were marked duplicated without a thorough review. This situation is putting a hold on my PSLF employment requirement certification and therefore putting a hold on my forgiveness application. Additionally I submitted a request in XX/XX/XXXX and again in XX/XX/XXXX to have a payment refunded to me that was made in XXXX of XXXX that has still not been processed.
Consumer complaint received 2023-02-08
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: Experian Information Solutions Inc. (IN)

According to the law USC 1681 and USC1681s2 my rights were violated.By law I have a right to privacy. 


XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (IL)

Kindly ensure the removal of inaccurate accounts noted on my credit report, as mandated by FCRA 605B. Could you please verify the documentation? The presence of these erroneous accounts is causing me XXXX.
Consumer complaint received 2023-09-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I am trying to apply for a business credit card through Capital One, I currently have personal credit cards through them so I thought this would be a relatively straightforward process. I submitted an application which seemed to be approved, provided that I submit the following documents : -Articles of Organization for the LLC -Phone Bill with business name and physical address used on application -Bank Statement with business name and physical address used on application Because the Articles of Organization for my LLC was established under a virtual address, I could not use it for the application for a business credit card, so I used my physical address instead. Due to this, I was asked to also submit two documents showing the business name and physical address used on the application, of which I have a phone bill and bank statement. I submitted these documents with my LLC name listed and my physical address and was told they were not acceptable, and was also denied to provide any reason as to why they weren't accepted.
Consumer complaint received 2024-03-08
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)

XXXX XXXX has violated According to 15 USC 680 ( 2 ) ( B ) A financial institution may not disclose nonpublic personal information to a non affiliated third party unless A suchfinancial institutionclearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted which means all of the following accounts has nothing to do with Equifax XXXX and XXXX XXXX  which make them non affiliated which means I as the consumer must have XXXX disclosure agreements before any of my personal information could be given to any non affiliated and I must agree to it also according to 18 USC 1515 ( B ) ( 3 ) this is considered intentionally omitting information from a statement and thereby causing a portion of such statement to be misleading, or intentionally concealing a material fact, and thereby creating a false impression by such statement ; which means you saying you're not disclosing my personal information to non affiliates
Consumer complaint received 2023-02-08
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: Experian Information Solutions Inc. (TX)

Hello my name is XXXX XXXX and I have been reaching out to all XXXX  credit bureau 's via mail trying to resolve this debilitating issue for the past XXXX  months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX
Consumer complaint received 2023-02-08
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: Experian Information Solutions Inc. (TX)

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 : ( XXXX XXXX XXXX XXXXXXXX ), ( XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX I XXXX ), ( XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), ( 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 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 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

I XXXX XXXX did Not Authorized for the following companies to run my credit report and was given XXXX Hard Inquiries also mailed all documentations to Equifax and according to Equifax it got Deleted but they lied, and I'm given the run arounds will not stop calling till this situation gets resolved. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-09-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (MD)

This issue has been ongoing - the last communication stated that the company is aware of the issue, and is trying to fix it. 
it has been more than 45 days and the issue has not been fixed, nor has the company reached out to me with an update in the last 30 days All I have been given is multiple case ID numbers from Affirm and their partner XXXX XXXX Affirm Case ID XXXX Shop Pay Ticket XXXX The last communication I received was on XX/XX/18 Hello XXXX, Thank you for contacting Affirm regarding XXXX XXXX  installments. 

My name is XXXX from Affirm Customer Care and I will be more than happy to assist you today in regards to your application inquiry. 

Upon checking your account I can see that you have been trying to make a purchase using your XXXX XXXX account. The investigation about the status of your account seems to be still going. 

Taking into consideration, you had an account with XXXX XXXX in the past and this account is associated with your phone number and email address, we are currently working to ensure you have access to your account as soon as possible. 

Also, something to take into account is that capital letters do not make a difference in email addresses, which means using your credentials to access or regain access to your account should work in this scenario. 

Please note, if you had an account in the past and you try to use the same information to create a new one, this might result in an error in our base data. 

We appreciate your patience on this matter and we are working hard towards this request. 

If you have any questions or concerns, please call us at XXXX from XXXX XXXX to XXXX XXXX CST seven days a week or contact us at XXXX. 

Regards, XXXX XXXX XXXX XXXX XXXX Installments Customer Care Originated and Serviced by Affirm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

TransUnion, XXXX, XXXX has too many department of XXXX that appears on my credit report too many times which I only have 8 that are all discharge with zero balance. I contacted the credit bearua about this matter it still wasn't resolve. So I am asking could you please resolved this matter I greatly appreciated it.
Consumer complaint received 2023-10-05
Product: Credit 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. (CA)

I was given an a car rental estimate for {$370.00} for XXXX. XXXX was not transparent and forthcoming with its undocumented fees and taxes. 

I was charged {$440.00} ( an excess of {$71.00} ) due to undocumented fees. It is my believe that XXXX does this to quote users lower than advertised car prices, then to levy undocumented fees and taxes to its users. 

Chase would not dispute this overcharge.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

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.

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 2023-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have tried numerous times resolving this illegal medical debt collection ( XXXX ) from dated XX/XX/2021 of {$700.00} by XXXX XXXX XXXX. XXXX and TransUnion credit bureaus have aided XXXX XXXX XXXX in breaching the law and my patient privacy rights by violating the HIPAA Act. XXXX XXXX XXXX was provided my personal private and specific medical diagnosis and OTHER medical treatments as shown in the invoice given to them by my medical provider. In addition to this unwarranted breach of HIPPA law, XXXX XXXX XXXX was provided my drivers license number illegally. XXXX XXXX XXXX has also NO permission to report medical collections to credit bureaus using my HIPAA protected information. THE ONLY INFORMATION THAT MEDICAL FACILITIES CAN SHARE WITH COLLECTORS BY LAW IS : Name Address Social security number Date of birth Payment history Location and name of treatment facility