davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-23
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. (OK)

I opened a credit card with XXXX XXXX on XX/XX/XXXX. It was to be used for per diem type purchases where my job was reimbursing me for hotel rooms. My card info was stolen and the card was used fraudulently. I requested the card be closed. I did not know that there was anything owed on the card. In XX/XX/XXXX, a charge-off from XXXX showed up on my credit reports. There is no history for it before that time. We paid it within about a day. I have not been able to get XXXX to remove the charge off/late payment statuses from my credit reports and this is affecting my ability to get good rates. I literally did not know that I owed anything to XXXX until it went on the credit report. Because of the circusmtances regarding the fraudulent activity and no notification of an amount owed was sent to me, I would like XXXX to take the late payment and charge off off of my credit report. I believe I've been treated unfairly here.
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OK)

I opened a credit card with XXXX XXXX on XX/XX/XXXX. It was to be used for per diem type purchases where my job was reimbursing me for hotel rooms. My card info was stolen and the card was used fraudulently. I requested the card be closed. I did not know that there was anything owed on the card. In XX/XX/XXXX, a charge-off from XXXX showed up on my credit reports. There is no history for it before that time. We paid it within about a day. I have not been able to get XXXX to remove the charge off/late payment statuses from my credit reports and this is affecting my ability to get good rates. I literally did not know that I owed anything to XXXX until it went on the credit report. Because of the circusmtances regarding the fraudulent activity and no notification of an amount owed was sent to me, I would like XXXX to take the late payment and charge off off of my credit report. I believe I've been treated unfairly here.
Consumer complaint received 2019-03-13
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. (GA)

This account on my credit file are being reported wrong. I am challenging the reporting and compliance of this account. Section 609 of the fair credit reporting act state that all accounts must be 100 % accurate, 100 verifiable, and 100 % complete. This is not the case here. The way this is being reported on my credit report from the creditor/furnisher is a violation of my rights and hurts my credit. 

The account number is incomplete, date open incorrect on 3 different bureaus, the terms are stated incorrect ( shows 1 month ), High balance is missing, still reporting although it states charged off.
Consumer complaint received 2022-02-10
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: Upgrade, Inc. (CA)

I made two purchases for {$300.00} on XX/XX/XXXX from a vendor, XXXX. I never received the merchandise. XXXX issued two {$300.00} refunds on XX/XX/XXXX. Upgrade processed one refund of {$300.00} on XX/XX/XXXX, and charged the credit card for {$300.00} on XX/XX/XXXX. I called Upgrade this morning and spoke to XXXX XXXX. She said they did not process the second refund because there was incoming activity on the card. I dispute that.
Consumer complaint received 2021-01-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Network Inc (CA)

Financial credit network sent me a piece of paper 2 months ago indicating I have a debt placed with them through XXXX. No proof that it belongs to me. Can not get any verification except fir a piece of paper that is an invoice made in a barn.
Consumer complaint received 2019-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A. (GA)

This account on my credit file are being reported wrong. I am challenging the reporting and compliance of this account. Section 609 of the fair credit reporting act state that all accounts must be 100 % accurate, 100 verifiable, and 100 % complete. This is not the case here. The way this is being reported on my credit report from the creditor/furnisher is a violation of my rights and hurts my credit. 

The account number is incomplete, date open incorrect on 3 different bureaus, the terms are stated incorrect ( shows 1 month ), High balance is missing, still reporting although it states charged off.
Consumer complaint received 2019-03-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (WI)

On XX/XX/2019, I applied online for a mortgage loan. During the online chat session I was told that based on a government collection that was on my credit report, I would not be eligible for mortgage financing. 

A few days later, I received via postal mail, a letter about my credit report being pulled and information on understanding my score. It also references getting a free annual copy of my credit report from XXXX from each of the nationwide consumer reporting agencies. 

My complaint is since I was denied mortgage financing, I am entitled to a free copy of my credit report from the agency that the company used to pull my credit report ( XXXX  ), according to FCRA, based on being denied credit. But the letter does not provide that information which is required by law nor does it state that I have been denied. 

As of yet, I still have not received a letter stating my application status
Consumer complaint received 2020-06-04
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)

On XX/XX/XXXX, I wrote a dispute lette

r to XXXX  & Equifax & Equifax credit bureau, asking for verification of a XXXX XXXX account thats being reported on my XXXX  & Equifax credit report per 609. Disclosures to consumers [ 15 U.S.C. 1681g ]. ( Verification Letter Attached ) The verification letter was sent certified mail and was received on XX/XX/XXXX by XXXX & Equifax. ( Delivery certification letter confirmation attacked ). On XX/XX/XXXX I received a letter stating that XXXX  & Equifax investigation was complete. After reviewing the report, XXXX  & Equifax stated that Outcome : Remains. This item was not changed as a result of our processing of your dispute. ( XXXX report page 1 and 2 attached ) After reviewing my report, I did my own investigation and placed a call to XXXX XXXX to see if they had any information on me for this account. On XX/XX/XXXX I placed a call to XXXX  around XXXX XXXX and spoke with a representative name XXXX  ( AKA ) no employee number was given. He indicated that they have no information on this account, because they sold it to a third party on XX/XX/XXXX. After placing the call to XXXX XXXX, I knew that XXXX  & Equifax was in clear violation of the FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ]. I am very concerned about the validity and accuracy of XXXX  & Equifax investigation, as this inaccurate item remains on my credit report, which is a clear violation of the FCRA. If XXXX  & Equifax had investigated properly, rather than using a e-Oscar   system, they would have known, that this account does not exist per XXXX XXXX, but XXXX  & Equifax claims to have verified this account was accurate. It is at this time that I will point out that in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain the reasons for my dispute is not reasonable.
Consumer complaint received 2019-03-13
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: Experian Information Solutions Inc. (OH)

I have several inquiries being reported from companies who I don't conduct business with and have asked that these be removed. 
The reporting companies are Experian, XXXX  and XXXX
Consumer complaint received 2022-01-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Concentric Receivables Management, Ltd. (TX)

Over the last 13 months, I have sent three certified letters to CONCENTRIC RECEIVABLES MGMT with a detailed request for debt verification information, proof I agreed to pay the debt, Proof that the debt was transferable, proof that they have the right to collect in Texas, and other information. To date my three, certified, signature required, verified received requests have gone ignored and unanswered. Instead I have disputed this debt several times and they keep putting it on my credit report pushing the date the account was opened sooner and sooner so that the debt looks new causing damage to my credit score
Consumer complaint received 2020-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc (CA)

PayPal has received refunds from XXXX for the returns I have made, and refuses to send the refunds to my XXXX XXXX XXXX XXXX MasterCard which I used to pay for my purchases from XXXX through PayPal. Instead, PayPal has put the three refunds for the total amount of {$210.00} into their bogus " Balance '' account and is trying to force me to take one of their debit cards with that amount on it as my only option to access my refunds. It is my money, but PayPal is sitting on it and is dictating how I should use those refunds. PayPal offers no option to request a transfer of that bogus " Balance '' back to my credit card which they should have done in the first place according to their own stated policy.

Today I wasted over 4 hours online on their Chat board trying to fix this issue, but they kept changing their agents every few minutes and kept giving bogus arguments as to why the refunds belong to PayPal and not me -- they repeatedly said the funds used to pay for the purchases came from the Balance account and not my credit card, which is totally false. Even if they came from " Balance '' account, what was the source of the funds in the " Balance '' in the first place if not from my previous transactions with my credit cards? This is the question they refused to answer every time and the  agents kept disappearing instead of answering this simple question. I have used this new credit card 13 times over the last two months to make purchase from XXXX through PayPal, and XXXX has processed 24 transactions for these purchases ( XXXX breaks purchases into separate shipments and charges my card for individual shipments on their own ) and the total of their charges on my card is {$2400.00} which exactly matches the total sum of my orders, indicating that every single XXXX for these purchases came from my credit card -- not a single XXXX came from PayPal 's bogus " Balance '' account. This is just a big new scam by PayPal. 

It is worth mentioning that I have no other financial relationship with PayPal -- I have no PayPal debit or credit cards, nor had I had any in the past. Every single transaction I have had with PayPal since PayPal was created has been through my own credit cards and bank accounts. Moreover, I have had many refunds from XXXX through PayPal in recent times, but now PayPal has started to play games with my refunds.

I would attach four photos I have taken of the PayPal webpage to document the refund transactions in dispute.

The attached photos indicate the date, amount and the transaction IDs for the refunds and what PayPal did with those refunds. PayPal should have no problem in identifying my account and spotting these transactions. 

Thank you so much.
Consumer complaint received 2024-03-02
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. (NM)

I am writing to bring to your attention a pressing concern regarding the delay in the removal of unknown inquiries from your platform. As a frequent user of your service, I have noticed a disturbing trend wherein unidentified and potentially malicious inquiries remain unresolved for extended periods, posing a significant risk to both users and the integrity of your platform. 

Despite diligent efforts on my part to promptly report these unknown inquiries, I have encountered frustrating delays in their removal. This lack of swift action not only undermines the reliability of your platform but also exposes users to potential security threats and privacy breaches. 

Unknown inquiries can range from spam messages to suspicious requests for personal information, and their presence on your platform poses serious risks to users ' safety and security. It is imperative that your company takes immediate and decisive action to address this issue and prioritize the timely removal of unknown inquiries to safeguard the well-being of your user base. 

I urge you to allocate additional resources to enhance the efficiency of your inquiry moderation processes and implement stricter measures to prevent unidentified or suspicious messages from reaching users ' inboxes. Providing users with clearer channels to report unknown inquiries and ensuring prompt responses to these reports are also crucial steps in addressing this issue. 

Failure to address these concerns promptly not only jeopardizes the trust of your user base but also exposes your company to potential legal and reputational repercussions. I implore you to take this matter seriously and prioritize the safety and security of your users by expediting the removal of unknown inquiries from your platform. I am asking for your assisstance to remove these unknown inquiries in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-03-02
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. (NV)

I obtained a copy of my Equifax report on XX/XX/XXXX, and found an XXXX card that has been reporting every month since XX/XX/XXXX that XXXX can not find record of using neither my SSN nor the account number listed on my report. The account number listed on my report has XXXX digits and that is an obvious error because XXXX only uses XXXX account numbers. Not to mention the fact that I gave no permission for this private information to be shared with any third-party companies without my written consent.
Consumer complaint received 2021-08-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc (PA)

I attempted to open an account with Chime. Due to an issue with my camera not obtaining a clear picture, the process went no where and timed out. 

Upon contacting support, they asked for standard information. Pic of drivers license, front and back, and last 4 of social. No big deal.

They then inform me they are unable to assist me unless I send a picture of my social security card. I refused - emailing a company 's generic support inbox your entire social security card is against customers protection. 

I asked for a secure location to upload the documents to - they reiterate to email the pic. I point out Chimes company policy. I point out IN THEIR EMAIL SAYS CHIME WILL NEVER ASK FOR SOCIAL SECURITY NUMBER! They continue asking for a picture, and refuse to assist unless I send them a picture of it. Through email.
Consumer complaint received 2017-12-12
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

This company is a cheat and a fraud, I disputed some charges as fraud from the year XXXX, XXXX and XXXX in the first week of XXXX XXXX, I was told that a decision would be given on XXXX/XXXX/XXXX but when I called today at the capital one, I was just being transferred from one department to another. The charges are around {$8000.00}, but I was just placed on hold and no explanation was provided. 

I spoke with the employee XXXX  today, her employee Id is XXXX.
Consumer complaint received 2022-11-17
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. (WA)

XX/XX/XXXXXXXX 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 XXXX XXXX XXXX. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2021-10-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ATG Credit, LLC (FL)

I got to know there was a credit issue under my name, on suppose non paid charges, from my mortgage broker when I applied for financing in 2020. I did not know that before. Upon acknowledgement, i contacted ATG credit on XX/XX/2020 requesting evidences so we could resolve the situation. Nothing was received. Due to the lack of response from ATG side, i once again contacted the company early XX/XX/2020 and received a copy and paste of generic invoices # s with unclear service description by email. Given the lack of details supplied and wrong spelling on my name, I tried to contact direct the possible companies myself to understand better what it referred to, however i cd not get too far. So I requested you/ATG credit proof I had signed up for such service but ATG have failed to provide it despite my eagerness to resolve it and several reminders from my side. last time i tried, always in good faith, was 10months after i first contacted them, putting a deadline for them to either provide me further proof I have signed up for such service or a confirmation they would report it to the credit bureaus withdrawing credit entries from my report. i got no reply from them whatsoever to this date.
Consumer complaint received 2021-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

from : natural person-XXXX XXXX XXXX to : EXPERIAN INFORMATION SOLUTIONS, INC. 
XXXX XXXX XXXX, XXXX XXXX, UNITED STATES, XXXX & XXXX XXXX- Compliance Director XXXX- XXXX All the entities listed on my credit report are not registered to do business in any of the States abroad. I do not have any debts being owed to any of these entities classified as unregistered unincorporated associations. For example : XXXX XXXX XXXX/XXXX XXXX or XXXX XXXX XXXXXXXX XXXX XXXX, neither of these entities exist nor are registered to do business in the State of Michigan. 
Another issue is that you are allowing these non-existing entities to use different names with multiple social security numbers and report false debts under these stolen social security numbers. There is only 1 Social Security number/Estate authorized to be used, and that is XXXX. For example : who is XXXX XXXX with Social Security XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  or XXXX XXXX etc. 
Estate-Social Security number XXXX has no debt. Also, these non-existing entities used fictitious physical addresses associated with Corporations only. 
I've uploaded XXXX XXXX XXXX/XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX record showing no business exist with MICHIGAN DEPARTMENT OF LICENSING AND REGULATORY AFFAIRS.
Consumer complaint received 2021-11-03
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

We contacted Infiniti XX/XX/XXXX and asked them for options we had for the end of our lease. Our lease would end with our XX/XX/XXXX payment. We asked if we could complete all the payments and return the lease early. They said no even if we made all payments it would be as if we abandoned the car. We then called about paying it off and we were told we could not sell it to a third party but we will need to buy it ourselves and pay an additional XXXX in fees - only way it would be about XXXX to payoff not the XXXX as stated on payoff. We then asked about selling to XXXX  XXXX or another 3rd party- NO we were told and we would be in major trouble and have to get the car back if we did and have a lot of issues. When we started this lease in XX/XX/XXXX we were told we could sell it to a 3rd party or if we bout it it would be the payoff amount on the documents not some higher fee. Bate and switch!!!!!!
Consumer complaint received 2019-03-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Acceptance Corporation (CA)

A medical bill was outstanding in which my health insurance covered services for. XXXX issued an appeal instructing the billing medical facility to re submit the claim but they did not receive it and placed the account in collections. The collection agency refused to acknowledge the dispute and demanded payment on two different phone conversations. Their written correspondence in this matter is incredibly insulting and discriminating by asking me to contact a rep named " XXXX XXXX ''. To me this is a business matter and insinuating I am scandalous and avoiding my personal business is highly unprofessional. Furthermore I have no idea if they have actually disputed the debt. I have contacted the insurer and original facility billing us and XXXX agreed to process the claim and issue payment. I have a valid dispute and the collection agency did not process it correctly nor communicate acknowledgement or a professional process for the dispute.