davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Upgrade, Inc. (OK)

Upgrade has refused my debt verification letter. They won't respond to me about it. I sent it to them once a month once I found out they were trying to collect money from me. There is no contract that I've signed where they are a lender. Upgrade is self-described as " a loan marketplace. '' A loan marketplace is like a Lending Tree. There is no note or Truth in Lending with Upgrade. Upgrade is misrepresenting dates in emails they keep sending me, despite me asking them not to in the debt verification letter. They are threatening to ruin my credit for 7 years with a charge off on XX/XX/2022, but then send me another one to schedule a payment for XX/XX/2022. This loan they are referring to is with a XXXX XXXX XXXX However, it seems Upgrade is a non-bank entity that is making loans for XXXX XXXX Bank, with undesirable terms that are not offered by Upgrade. I have XXXX borrower agreements, one states the jurisdiction in New Jersey, and the other says XXXX California. Nowhere is Upgrade defined as any kind of servicer. They are not a company owned by XXXX XXXX Bank that I can find. If they are, we have a much larger problem. The name of this company is not even really Upgrade. In the agreements, Upgrade is defined as a platform and a marketplace as a XXXX of XXXX XXXX. Upgrade states they are their own corporation, so I don't understand them being a XXXX. This appears to be a rent-a-bank money laundering scheme or pyramid scheme. Those are the words of the CA XXXX, and he stated this is illegal in CA. The jurisdiction listed as CA won't work. They won't stop calling me also. Over and over and over.
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OPORTUN FINANCIAL CORPORATION (TX)

Oportun added Late Payment statuses to my credit reports even though my payments are current. I've spoken to them about this before and yet they have done nothing to resolve this issue. It was marked as current on XX/XX/XXXX and then became deliquent 5 days later on the XXXX despite my on time payments.
Consumer complaint received 2020-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CA)

Eperian will not provide a free credit report online from XXXX, it reads : > We're sorry > > A condition exists that prevents Experian from being able to accept your request at this time. 
> > To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. 
> > Annual Credit Report Request Service > > XXXX   XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2022-07-22
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-22
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: EQUIFAX, INC. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name : XXXX XXXX XXXX EMPLOYER : XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Address : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Name : XXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, AZ XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Employer : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (PA)

LVNV FUNDING LLC HAS BOUGHT A DEBT THAT HAS BEEN PAID FROM XXXX XXXX AND NOW HAS SOLD THE DEBT TO ANOTHER COLLECTIONS AGENCY! XXXX XXXX, LVNV FUNDING LLC AND XXXX XXXX XXXX HAS BEEN CALLING, SENDING LETTERS, and reporting to agencys on my cresit file.
Consumer complaint received 2021-11-14
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: EQUIFAX, INC. (NY)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2019-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Dear Mr or Mrs , My name is XXXX XXXX Address is XXXX XXXX XXXX XXXX CA XXXX SSN # is XXXX I started working to fix my credit on XX/XX/XXXX with XXXX, Equifax and XXXX  until now XX/XX/XXXX still not done yet!! I have become a victim of identity thief as the perpetrator used my name and social security to create bank accounts without my knowledge. XXXX  and XXXX   they already removed the account does not belong to me which is the one Equifax they are " verified that item belong to me " that's what they said when i recieved a dispute result and Confimation # XXXX, after i saw that was wrong then i called them back on again and they said they still working on it give and NOW i waited too long i can't not wait anymore. 
OK they want police report, they want dispute letter i sent to them i had certified mail receipt, even i sent a dispute result from XXXX  to prove myself I done all that, i already do everything on my power. On dispute letter i already said my family going to buy a house and many many times on phone call can you guys do it quick. 
NOW i need to do my loan approval on next week but how i can do that if my credit like this. 
NOW next week i have to pay that {$840.00} for XXXX XXXX XXXX which is account i don't even know where the XXXX is this come from. ALL I need right now is my credit clear out so i can get qualify to my loan approval for my new house. 
I feel like i just got ROB. WHERE IS THE LAW IN THIS LAND!!
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (ID)

Equifax can not locate my credit file. 

In applying for a home mortgage I discovered ( was notified by my lender ) that XXXX  and XXXX  were reporting my credit, but Equifax was not. 

This does not make any sense, as I have had credit cards for over 6 years - through XXXX   XXXX XXXX and XXXX XXXX. I have contacted XXXX XXXX  XXXX and XXXX XXXX and they both confirmed that they were reporting my accounts to Equifax. 

I have contacted Equifax monthly for over 6 months now, and they have told me the same thing every time : " Equifax can not locate your credit file. '' I have responded that that is the exact problem I am trying to solve and every time they have insisted to me that the only way to solve this problem is to mail or fax them a copy of my Driver 's License, Social Security Card, and a cover letter explaining why I'm sending them this information. I have done this four times now, three times by fax and one time by mail. Two times I have gotten the same letter of response saying " Equifax can not locate your credit file '' ( attached documents ), and two times I have not gotten a response at all.

Now I am trying to buy a house and my mortgage lenders will not give me a loan with only two out of three credit reporting agencies reporting my credit. I have been dealing with Equifax for nearly 9 months with this issue, and they seem to be careless with my personally identifiable information - Social Security card and driver 's license, along with cover letter stating my addresses over the past five years. 

Is there anything that can be done to get Equifax to recognize that I'm a real person and report my credit? I'm a Federal Government employee who has had finger prints taken and background checks performed, and have an extensive borrowing history through XXXX  XXXX XXXX and XXXX XXXX. My credit score is excellent, and I have never missed a payment. 

Thank you.
Consumer complaint received 2022-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (NC)

In XX/XX/2021 I contacted Chase freedom credit card company to close this account. I paid the balance off in full. I then checked the account at the next billing cycle, and made sure everything was paid off. After the time that I closed the account, the company allowed charges to continue through. Also charged me late fees for not paying the account. In XXXX I was made aware of this, and I contacted the company again. I disputed the charges, told them to close the account again, and they reversed the fees and charges. 2 months later, I had the same problem again. I have called them multiple times to close the account, each time they tell me they will reverse the late charges, inappropriate charges, and fees. At one point, a charge did come through that was mine, from a reoccurring account. I did allow that, but they would not let me pay it due to things " still going through ''. I am still attempting to get this fixed. On monday, XX/XX/XXXX, I called and was placed on hold several times, lasting over an hour, then was disconnected while I was trying to get through to the resolutions department. This company is incompetent, and is not following the civil code of the intra and interstate banking law.
Consumer complaint received 2022-07-21
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: EQUIFAX, INC. (FL)

These two Hard Inquiries are not mine. 
XX/XX/2021, XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/2021, XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX
Consumer complaint received 2022-10-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (HI)

On XX/XX/2022, Using my Paypal account, I sent {$850.00} to my son. He never received it. 
I used the Contact in my Paypal account labelled " XXXX ''. This contact was previously used successfully on XX/XX/2022 to send money to my son and stored in my paypal account. Instead of going to my son, it went to another account that was impersonating my son with the same name and initials. 

I have attempted to resolve this with Paypal and the case ( XXXX XXXX was closed by Paypal saying there was no fraud or unauthorized transaction. I have requested further information such as an explanation as to how the Paypal account and email behind my Contact " XXXX '' could of been changed without my knowledge. I have asked for the logs as to when this change occured and by whom. Paypal will not allow me to re-open the case to gather this information.
Consumer complaint received 2022-08-01
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: CITIZENS FINANCIAL GROUP, INC. (TX)

A fraudulent charge appeared on my XXXX credit card statement with Citizens Bank Credit Card. The fraudulent purchase took place on XX/XX/22 as an electronic check for {$3200.00} along with a fee for {$120.00}. Over the next week, two more attempts were made on my account to extract {$5000.00} each time. I found out about those subsequent attempts because the cc company sent me letters apologizing that they couldn't make those transfers due to insufficient funds in my account. I never made any of those purchases/requests. 

I called to report this on XX/XX/22 after seeing my statement for that month and those letters. They told me I'd not be responsible for payment during the investigation but still left the amount on my file and charged me a late fee. I then called back with information I'd learned from the FTC website, asking if they'd be reporting that balance to credit bureaus. It was only then that they removed the amount and late fee and said they're still investigating. 

The current issue : They called me about a week ago requesting to speak with me about the fraudulent electronic check. They said to call the customer service number back and leave with the rep a good time to call me. I did. They have yet to call me back. Claims reps are impossible to reach as well. The number they listed in the letter they sent me from The Credit Card Claims Department is XXXX. Nobody ever answers there and no option is given to leave a message ; a recording just says to call back and ends the call. When I call the regular customer service number, they say it's not possible to connect me with someone in claims. 

I'm concerned that if they don't speak with me, they might say they were unable to complete the investigation and put the blame on me. They are impossible to reach. This is scary for me. I don't make much money and am careful with my credit. I've worked hard to build a high score. I can't afford these fraudulent charges, and they're being very sketchy in preventing contact.
Consumer complaint received 2022-09-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MS)

My complaint is with PayPal Business Services. PP is the company we use to accept credit card payments from our customers. We have used them for years. last week on XX/XX/XXXX we transferred {$10000.00} from our money being held at Paypal to our commercial bank account. On XX/XX/XXXX Paypal did something they term as a PAYPAL REVERSAL for the {$10000.00}. Our bank has verified this was done by PayPal and PayPal, after hours of phone time admitted to having done this but they said that it might be up to 10 days to get our funds returned as they were not certain if the reversal has gone through yet! 

PayPal is a HUGE machine for this XXXX old to navigate. They do everything on their terms. I need this money. It is a healthy sum for a small business. I am grateful it did not cause us to bounce any checks, but that certainly could have been the case. 

Can you email with any info for a contacts you may have at PayPal. Or Call me at XXXX XXXX XXXX A to Z Advertising, XXXX XXXX XXXX XXXX XXXX XXXX XXXX or my XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Thank you in advance for any advice in this matter. 
My e-mail is XXXX, XXXX Highway XXXX XXXX, XXXX XXXX XXXX Sincerely, XXXX XXXX XXXX A to Z
Consumer complaint received 2022-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL (AZ)

I applied for a credit card with Sam 's Club through Synchrony Bank I filled out the application, was given a {$2500.00} card approval and was told they would be in touch. 
A week later I get a letter in the mail saying they need additional information to verify my identity. 
As per the letter I call them, They ask me for my last 4 they ask for my birthday and on and on. 
Then they tell me I need to take a video of my face and need to photo my Drivers Lic front and back. 
It accepts front of the lic but after half a dozen tries it will not accept the back saying it can't read the bar code. The bar code on an XXXX  lic is very small. 
I tell the woman on the phone It is not working. She can not help me. 
If I have a XXXX XXXX  membership they have all that information. 
I have already had a card from Synchrony from Amazon. 
They sent the letter to my house! This is confirmation of who I am when I call and use the code on the letter. 
I am very upset. I have about a dozen credit cards and have had no problems except with synchrony bank. There is something very flawed with their verification system. 
I am being deprived of a credit card which I need to improve my credit and synchrony says they can not verify me. That is utterly ridiculous. They have access to all three of my credit companies. XXXX, XXXX and XXXX. 
They used one or more for my application. 
I confirmed the information they requested when I called them. 
They are wrongfully denying me a credit card which they have already approved.
Consumer complaint received 2022-08-01
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. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2018-09-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (PA)

On XX/XX/18 I made a payment to the XXXX XXXX in the amount of {$900.00}. On XXXX I made a small purchase in the amount of {$7.00}. Because of the holiday I believe this caused these items to show on the same day although they actually were not, nonetheless the funds were there to cover both purchases. I purposely made a payment for {$900.00} which was less than the amount owed to avoid overdrawing the account. On XX/XX/18 approx XXXX I made a withdraw from a none pnc atm in th amount of {$400.00}. At this time my account showed I had approximately {$23.00} available. I knew I would be charged for this withdrawal. Unfortunately a charge came out of the account for {$9.00} which should have come out on the XX/XX/18 again because of the holiday I believe the charge was delayed in processing. I expected at this point to be charged for the {$400.00} withdrawal and the {$9.00} charge that came in. When checking my account I realized I was charged 2 additional fees a total of 4. I called pnc customer service and spoke with a rep who transferred me to XXXX XXXX ( account manager in the escalation dept ). I was told that had I waited until a certain time to withdraw the money I wouldnt have received these fees. PNC seems to play with actual dates and times so that they can charge you the most money that they possibly can. My online account shows that at the end of business on XXXX I had enough money to cover every purchase up to that point. The withdrawal is the reason they are charging me additional fees. Although a computer may not be able to see dates and times but an actual person can see when purchases were made and when the withdrawal was actually made. I would like the 2 additional fees returned to my account. I had enough money in my account to cover all charges with the exception of the withdrawal and the XXXX purchase.