davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MI)

An individual from XXXX used PayPal to purchase a rare vintage shirt from me for {$1800.00}. Upon receiving the item, he filed a complaint and asked to return the shirt. Instead of shipping the item I sent, he returned a cheaper counterfeit shirt that was essentially worthless. I made the issue known with PayPal and they assured me I would be taken care of. After filing my complaint and submitting photos of the item I received, PayPal required me to file a police report or they would automatically deny my complaint without looking at it. After speaking with my local police department, they informed me that police dont get involved with postal disputes and that I would need to speak with the Postal Service . Another issue is that the item was shipped to an address in Connecticut and then returned from XXXX, incurring import taxes that Im forced to deal with. PayPal saw no issue with this absolutely unbelievable, its basically inviting limitless amounts of fraud.
Consumer complaint received 2022-08-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-10-15
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. (GA)

Equifax notified me regarding XXXXXXXX XXXX, CARE OF XXXX XXXX XXXX XXXX that information " HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION *ACTUAL PAYMENT *SCHEDULED PAYMENT *PORTFOLIO STATUS. '' Errors still exist on my credit report when I never had any creditor relationship with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX was never my original creditor. XXXX XXXX XXXX XXXX  does not appear in my credit file as an original creditor, charge-off, past due balance, amount owed, collection, etc owed to XXXX XXXX XXXX XXXX for an amount of {$1800.00} or any such amount. There is no debt owed to XXXX XXXX XXXX XXXX as my original creditor because I never had any creditor relationship with XXXX XXXX XXXX XXXX. Equifax failed to produce any documented evidence of how XXXX XXXX CARE OF XXXX XXXX XXXX XXXX a Debt Buyer Account is owed a past due amount of {$1800.00} for a debt owed to XXXX XXXX XXXX XXXX  as the original creditor. There is no contractual agreement containing my signature to establish any creditor relationship that exists or existed between myself and XXXX XXXX XXXX XXXX XXXX XXXX, CARE OF XXXX XXXX XXXX XXXX is listed on my credit report for a Collection balance owed for a debt to XXXX XXXXXXXX XXXX XXXX  as the original creditor that is an error. Equifax remains in direct violation of The Fair Credit Reporting Act ( FCRA ) and XXXXXXXX XXXX  CARE OF XXXX XXXX XXXX XXXX remains in direct violation of The Fair Debt Collection Practices Act.
Consumer complaint received 2021-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NY)

This company is currently showing 60 days late for the month of XX/XX/2019 as reported in 3 Credit Bureaus. I have read enough to understand my rights. The late history should not be showing late because I think I paid on time. The Bureaus are attempting to violate this clear understanding.
Consumer complaint received 2021-08-01
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. (FL)

Please help me and resolve my difficult situation. Surprisingly I have items that are not mine. I am victim of identity theft and someone just used my personal information. I do not know what to do now ... there are few of them and they just killed my score completely. Please I m asking you to investigate- this is nonsense! Please remove these items ASAP
Consumer complaint received 2019-03-16
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: CITIBANK, N.A. (OR)

XX/XX/XXXX, XXXX sold us tickets to a concert at XXXX in XXXX XXXX on XX/XX/XXXX. Tickets were represented on a seating map as being Box seats in the Front Orchestra.  When the tickets were delivered it was clear they were in the last row of the Rear Orchestra, or instead of being $ XXXX seats they were {$70.00} seats. There are about ten correspondence with the company that they would look into it and finally that they would reimburse {$170.00}, on a {$590.00} charge. 

We filed a complaint with the Citi Visa a few days after the charge and on XX/XX/XXXX realized that they had accepted XXXX explanation. No one from Citi Visa contacted me and the letter on line is a form  letter with no explanation that is appropriate to the dispute. XXXX maintained they delivered the cheap tickets. Citi Visa has a misleading accounting system on my account where they show the {$590.00} charge and a - {$590.00} dispute, but it isn't an accurate representation of the facts. 

I called Citi Visa today and they say they will investigate the matter and resolve it in 14 days, but since they didn't call me on the original complain I have little faith in their ability to be effective in a resolution. I also contact XXXX that provides the Citi Visa and they said there was nothing they would do.
Consumer complaint received 2021-09-23
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: JPMORGAN CHASE & CO. (VT)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2019-06-12
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EOS Holdings, Inc. (MA)

XX/XX/XXXX, XXXX this company has called several times asking for a XXXX XXXX or XXXX XXXX and a XXXX XXXX. I have explained to them multiple times that I do not know that person and to stop calling my number but they refuse to do so.
Consumer complaint received 2021-09-23
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (MI)

I became severely ill and almost XXXX 2 times. Unfortunately, I lost my job while going thru treatments. The treatments continue and will continue probably for the rest of my life. Due to my XXXX horrible illness, my doctors instructed me to to file for social security XXXX and VA XXXX. Which I did. I was approved for both at full XXXX. I am 100 % total and permanent XXXX thru the Department of Veterans Affairs and on full Social Security Disability. 

All of this information has been communicated for the last few years with Navient. The company will not listen to you as their customer. I have sent letters from social security and doctors. I have sent letters from the XXXX Navient does not care. They will continue to call you and your family 10 to 15 times a day. They will continue to report negative information every month on your credit reports and completely ruin your credit profile. Navient will put your student loans into default even when they have all of this information in front of them. 

Due to all of this negative reporting on the credit reports, my wife and I have lost opportunities to rent apartments and or houses in our area. Our car insurance is higher and our monthly payments on the vehicle we have is extremely high.
Consumer complaint received 2021-12-17
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. (IL)

I have inaccurate and late payments being reported on my credit report. 

You all have responded and said everything was verified as accurate but on my most recent report, it shows that you all did not investigate properly You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 
The items below should all be updated to paid as agreed on my consumer report. 

This is not being reported accurately because XXXX is marked late on my Equifax report and no where else, XXXX is marked late on my XXXX report and nowhere else, XXXX is marked late on my Equifax report and no where else, XXXX is marked late on my XXXX report and nowhere else, XXXX is marked late on my Equifax report and nowhere else and XXXX is marked late on my XXXX report and nowhere else. 

please update all to paid as agreed
Consumer complaint received 2021-09-23
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: EQUIFAX, INC. (IN)

I have sent letters to each XXXX, XXXX, and Equifax on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/2021 and XX/XX/2021. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.
Consumer complaint received 2022-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX I received the BOA bank credit card monthly statement and we found there were illegal activities in our Bank of America XXXX XXXX XXXX account. 
We reported it to Bank of America. We were on the phone with BOA bank representative. We went through line by line sorted out those fraudulent charges. We paid all those legal charges which made by me and we closed the account and filed a dispute XXXX XX/XX/XXXX. Bank of America denied our dispute twice and file a law suit against me. Court date is XX/XX/XXXX in XXXX Texas. 
All those illegal charges were on line video games charges. Both me and my husband are old person. We are having hard time to handle modern technology. We both had difficult time even to write an email. We were not capable or have any interest of playing video games on line. 
I had a XXXX  XXXX on XX/XX/XXXX. I still not recovered completely. It was a struggled to go back to work. I am a XXXX XXXX XXXX XXXX XXXX  for last 15 years. After the XXXX, I only allowed to work 2 days a week. XXXX hours per day. XXXX dollars per hour. Earn {$440.00} per month. My husband XXXX XXXX XXXX, living on a small Social Security retirement payment and a limited saving. There was no way we could afford to spend thousands of dollars to play video game, not mention to authorize somebody else to spend thousands of dollars to play for us. 
We had interrogated our son XXXX XXXX who he was XXXX years old then. Asked him if he ever used my credit card to play the on-line games, he denied it. But He admitted he did it recently. He said he thought it was free to add power for the game. 
I had not authorized anyone to use my credit card but my husband. I think I do not responsible for those unauthorized on-line gaming charges by my teenage son. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

It has been drawn out into the open that CREDIT BUREAUS are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that XXXX, XXXX and TRANSUNION decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. The following items listed below needs to be removed from my file : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, R ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX Owed : {$210.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;
Consumer complaint received 2022-08-02
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: Affirm Holdings, Inc (VA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2021-12-17
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. (NY)

I send over couple FTC report for those hard unauthorized credit Inquiries.. consumer/ fraud department keeping say they were remove upon check noting have been remove for couple months. The XXXX gave me XXXX confirmation # XXXX
Consumer complaint received 2021-09-23
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. (WA)

I have Disputed Hard Inquiries with Equifax that was A result of identity theft on XX/XX/XXXX and they have responded saying that the inquiries were verified as accurate. When according to the FCRA when an item is disputed as Fraud it must be removed from my credit report. I have also reached out to all of the creditors, and they all suggested to contact the credit bureaus for deletion due to them being the data furnisher. They have still failed to remove these fraudulent inquiries and have violated my privacy rights. The following Fraudulent Inquiries are Performance XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-04-16
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. (IN)

In accordance with the Fair Credit Reporting act XXXX  account # has violated my rights. 


XXXX Account # XXXX XXXX US Dept ED Account # XXXX XXXX  XXXX Account # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account # XXXX XXXX U.S.C 1618 section 602 A. States I have the right to privacy.

15 U.S.C. 1618 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-09-22
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 (OH)

We paid cc balance back in XXXX, 2021 Synchrony sent letters and statements that said balance is at XXXX- Then said they never received our payment but sent refund check stating this was an overpayment- Now they continue to say the overpayment was sent in error, now wanting the overpayment paid back to them. 

Weve also received letters from them continually saying sorry for the inconvenience- your balance is XXXX. 

Ive been on the phone with them over XXXX hours ( - ( ) to try and get this problem resolved.. 

Ive sent copies to them saying check was cashed by them. 

I feel like this is totally their mistakes, and tired of dealing with this mess since XXXX, 2021 Please help me get this issue resolved, I dont have money to take them to court! 

Thank you, XXXX and XXXX XXXX
Consumer complaint received 2022-10-15
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. (NY)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX  # XXXX & 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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2021-09-23
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: JPMORGAN CHASE & CO. (MS)

I pulled all 3 of my credit bureaus and noticed several HARD INQUIRIES on my reports that I do not recognize nor authorized. They are as follows : XXXX on XX/XX/XXXX ( Never applied ) *JPMCB Card on XX/XX/XXXX ( Never applied ) *XXXX  on XX/XX/XXXX - I was told this would be a soft pull only because I was not leasing any equipment or phones from them. It was a hard pull, which I did not authorize XXXX XXXX on XX/XX/XXXX ( Never applied ) XXXX & XXXX XXXX on XX/XX/XXXX ( never applied ) I have contacted all 3 credit bureaus and was told to file a Consumer Finance complaint.
Consumer complaint received 2021-09-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Lending Club Corp (NC)

In XXXX, XXXX XXXX offered me an opportunity to apply for a loan at a lower rate that would allow me to consolidate XXXX personal loans that I currently have with Lending Club. The total amount financed on XX/XX/XXXX was {$46000.00} ; they agreed to direct pay my loans with Lending Club and direct deposited the balance of {$2600.00} into my personal checking account. 
On XX/XX/XXXX, I was notified by Lending Club that they had received paper checks with my account number on them but they claimed that there was no name included so they would need some information ( loan number, issuing bank & check number ) from me before they would apply the funds to my accounts. ( emails in documents ) I was concerned about the amount that they claimed they received for the larger loan because it was {$2000.00} less than XXXX XXXX said they had paid. I contacted XXXX XXXX to get the information but was told that they would have to research it and get back to me. When I heard back from XXXX XXXX some time later and provided the information to Lending Club, I was told that the holding period had passed and they had returned the funds to XXXX XXXX. I again called XXXX XXXX to explain and was told that the checks had been cashed so as far as they were concerned, the money had been paid and there was nothing they could do to help me. 
I then went back to Lending Club several times to ask for proof that they had returned the funds but they were either unable or unwilling to provide me with any information. As it stands, I have no idea where the money is but both companies are charging me monthly payments. I have spoken to dozens of agents but have not been able to get this resolved. Although it appears Lending Club has the funds, I will also be duplicating this complaint against XXXX XXXX because they have not honored their agreement to pay off the loans. 
This has put a significant strain on my monthly finances and had a serious negative effect on my credit score. I have used savings to meet my obligations but will not be able to continue to make double payments. I need help to get this resolved because I feel like both companies have turned a deaf ear to the situation.