davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-22
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Uber Technologies Inc. (CA)

I am a XXXX XXXX  who uses instant pay. There is a payroll card called Uber visa debit card partnered with XXXX. I am trying to open a new account and receive a new Uber visa debit card. But I am having trouble doing so. I tried contacting both parties but I am getting no help. XX/XX/XXXX I contacted XXXX XXXX because I wanted to reset my email and password, since it hadnt used the account since XX/XX/XXXX, I requested over the phone how to change email, and passwords. They gave me instructions to reset the information, but I found that my email address registered to the account was incorrect and I was instructed if I dont have access I would need to close the account and set up a new one. I had only .2 cents on that debit card since XX/XX/XXXX so I wasnt under my impression that anyone else wouldve or have been using the card. Because its been in my wallet since. But getting back to he subject. 

They told me since I had a balance on the card so there was nothing that they could do and since I was unable to reset passwords or the email because the information was forgotten and incorrect. 

XXXX XXXX suggested I close all accounts under my social security number XXXX. 

I closed the accounts that day, XX/XX/XXXX but I still had my debit card on hand so I could still be able to try, an access the website or try to reach a live operator but Unfortunately with the accounts being closed it made communication much more difficult and I was unable to resolve the problem. 

I was unable to verify my identity, through the closed account or my social, my birthdate or even my debit card number so ultimately resulting to no communication in a nutshell. 

Theyve blocked access from me troubleshooting the problem. And This is where the problem lies. Since I am a XXXX XXXX  my payroll is through the Uber visa debit card,  and I am not able to receive my instant pay benefits. 

I need to make sure that the account closed and it is processed and finished so I can reopen one and receive my pay, Uber cant do anything since theyre only supplying the card. 

XXXX XXXX needs to pick up the pace. 
I closed the account to open new account because my login information was incorrect and forgotten. And since I was instructed to close the account and go online and open a new one I followed that and no solution whatsoever. I was also told that I wouldnt have trouble setting up a new account, but Im unable to do that either since Ive tried and I get error codes saying I already have an account registered under my social which is the closed account. 

My question is why are the making it so difficult to contact them, troubleshoot the problem and set up the new account, whats the hold up, if I only closed and account to open a new one can someone explain whats so difficult about doing that?
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Amount XXXX Date XX/XX/2021 I asked transunion for information that this was accurate because I have no knowledge of this account and they havent sent me anything regarding information to be accurate.
Consumer complaint received 2022-05-16
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. (NY)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX
Consumer complaint received 2022-08-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Smith Debnam Narron Drake Saintsing & Myers LLP (NC)

I am my wife 's caregiver. My wife is the victim of this harassment. This collection agency listed as a law firm, but really just a collection company affiliated with another who buys write-offs for pennies on the dollar and makes money from unfortunate consumers who experience hard times. They sent a threatening letter to my wife.
Consumer complaint received 2023-01-10
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)

Re : Verification of alleged debt pursuant to Section 609 ( a } ( 1 ) ( A ). 



This letter is being sent to you in response to a correspondence sent to me on XX/XX/2022 This is not a refusal to pay more rather, an endeavor to validate the alleged claim pursuant to Sec. 809 ( b ) of the Falr Debt Collection Praciices Act requires that. the consumer disputes the debt or requests identification of the orig inal creditor in writing and that the collector must cease collection until he verifies the debt and mail a response.

According to the Fair Credit Reporting Act. Section 609 { a ) ( 1 ) ( A }. you are required by federal law to verify, through the physical verification of the original signed consumer contract. any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I request the following : Verify the debt ( what is the money that is owed for How did you come up with said amount exactly All contracts that confirm that such an agreement is legal and bonding A certified copy of any judgment made Proof that the statute of limitations does not apply to this account The name and address of the original creditor Confirmation that you have the right to collect debts in my state Your license number and the name and address ot your Registered Agent Your failure to positively verify these accounts has hurt my abiity to obtain credtt. Under the FCRA. unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof. you must remove the account listed below. 
I demand that the following account be verified or removed immediately :
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 status incorrect
Company: Dyck-O'Neal, Inc. (AL)

Inaccurate reporting stated that the account is OPEN but listed as a Collection/Charge-Off. Reporting that the account was opened on XX/XX/2018 and that is false. I haven't opened an account with this company ever. Also stated on the report that there is a monthly payment due which is also inaccurate for a collection/charge off account.
Consumer complaint received 2022-10-24
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2022, I got scam on XXXX XXXX. I sold an airfryer for the amt of {$150.00} in XXXX. A scammer asked that he wanted to make the payment thru XXXX payment app and had his wife to pickup the item. I agreed the payment method and provided him my email address. He told me he sent in {$150.00} thru XXXX, however a business account for the amt of {$500.00} was needed to be created in order to release the fund to my account. He told me to read an email from XXXX XXXX  ( XXXX ) and sent in an additional {$350.00} and it was refundable. At that time, I didn't realize it was a scam email and I followed the scammer 's instruction to send an add'l {$350.00} to XXXX Later on, they said they couldn't send me the fund due to their min limit of {$800.00} in their account. They asked that I send an add'l {$300.00} to them in order for them to release the fund. However due to Chase bank daily limit, I only allowed to send {$500.00} max per day. I told them I could only send in {$150.00}. They said it was ok. I followed instructions and sent them {$150.00}. For the remain {$150.00}, they asked that I sent in Gift card or pay thru other payment app. From then on, I called XXXX customer services and told them the situation. XXXX customer service told me that it was not their email address. So that I noticed it was a scam. The next day, I went to the police department to report this issue and had a write up police report. 
In conclusion, I lost 2 XXXX payments, one for {$350.00} and one for {$150.00}. Total to {$500.00} being scam ( see attached chase statement ). I contact JP Morgan chase bank to request a dispute and request for reimbursement. They did research my account and stating could not recover my fund back. I am hoping the gov't would help me settle this issue. I really appreciated if I can recover the lost fund.
Consumer complaint received 2022-08-23
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-06-11
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: JPMORGAN CHASE & CO. (OH)

Hi, I've been in touch with Chase multiple times. I still have concerns that my chargeback from early XXXX ( XX/XX/2020 ) for XXXX for {$220.00} is being denied and not being seen as valid. There was a 30 day 100 % refund guarantee that the vendor won't honor. They keep trying to tell me there is a no refund policy, but it clearly states even in the paperwork that Chase sent me after the first investigation that I have 30 days to refund ( see attachment below page XXXX ). After purchasing the program, I wasn't satisfied and at that time realized that others also had many issues with this company. I appreciate your help and understanding in remedying this matter.
Consumer complaint received 2020-06-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A. (PA)

I am trying to link my account to the app XXXX. I am receiving a message an error message that says I am unable to do this due to a change PNC has made. When I called and asked for help the told me the issue was not on their end despite the message i received from XXXX.
Consumer complaint received 2023-02-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OH)

I made online purchases through XXXX XXXX XXXX, paid through PayPal. One of the items is defective and missing parts ( not as advertised by the seller ). It also contains serious security vulnerabilities which were flagged by XXXX ( see attached ). When I reached out to the seller letting them know of the defects and the security issues and missing parts, they asked that we wait for them to fix the defects, or to hire our own developer to fix them. Since I do not have the means to hire my own developer, I chose to wait. Three months later, the seller still has not fixed the issues, nor provided the missing part. So, I filed a refund, which they denied. I escalated the issue to XXXX XXXX support but was told they would not provide refunds for the defective item, to keep working with the seller. I then escalated this issue to PayPal and got an email today that my case was ineligible for PayPal purchase protection. I am now stuck with a purchased item that is defective, missing parts and has serious security vulnerabilities. Furthermore, XXXX XXXX locked my account immediately after I escalated the issue to Paypal ( see attached ). I am unable to access any of the products and services that I purchased or my billing records & statements. I really hope that PayPal will look into these complaints as I do not feel any consumers should have to settle with products that are defective, missing parts and/or not as advertised.
Consumer complaint received 2022-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Hard inquiries : XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (GA)

Reference : Removal of late payment ... over 7 years I called the XXXX- No Answer or response I called and email a letter to XXXX XXXX  XXXX- the updated the report- but did not remove the Negative status and its been over 7 years.

I called and emailed Mr. Cooper/NationStar Mortgage- they acknowledge the length of time and stated I should expect a letter removing the negative report from my credit report. As of today, I still haven't seen a letter.
Consumer complaint received 2022-05-16
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. (NC)

On my personal credit there are business credit card inquiries that should not be there. 
XXXX XXXX XXXX on XX/XX/2021, Us Sm Bus Admin Oda on XX/XX/2021 I also have bout 30 inquiries on my credit that are there that I did not give my consent too. I walked in a Car Dealership I showed them my credit profile, and I was told that their bank would approve me long story short they end up send my information to 30 different places some to the same place three or four time. XXXX XXXX XXXX  XXXX XX/XX/2021, XXXX XXXX XXXXon XX/XX/2021, XXXX  on XX/XX/2021, XXXX XXXX XXXX XXXX XX/XX/2021, XXXX XXXX  on XX/XX/2021, XXXX on XX/XX/2021, XXXX XXXX XXXX XXXX on XX/XX/2021, XXXX XXXX XXXX  on XX/XX/2021 XXXX XXXX XXXX  on XX/XX/2021 XXXX
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (IA)

I have had major issues with 2 different cards now. 

I loaded {$500.00} on one Western Union card but the card has never worked.

I loaded {$30.00} on a PayPal card and it doesn't work.
Consumer complaint received 2022-10-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TX)

Collector ( CONVERGENT OUTSOURCING0 tired to collect {$120.00} balance from a XXXX phone bill that has a different last name than my last name. 
As soon as I received the collection notice from this collection agency ( CONVERGENT OUTSOURCING ), I sent them a registered mail to request debt validation for the total balance of {$120.00} under the account., the letter was received by the collection on XXXX XXXX, 30 days past, the collection agency never responded my request, but instead of post it on my credit report with the credit bureaus. Under XXXX XXXX Code Section 392.202 a debt collection agency has 30 calendar days to respond to a debt validation request. If the collection agency fails to respond to validation request then they have essentially admitted, per XXXX XXXX Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. 

Federal laws require furnishers of information to report accurate credit information to the credit bureaus and in this case, the collection agency ( CONVERGENT OUTSOURCING ) have failed to do so. This inaccurate information must be deleted from my credit file immediately
Consumer complaint received 2022-05-16
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. (LA)

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report The Credit Bureaus stated my account was properly investigated but how is this possible if the payment history is inaccurate, last activity is inaccurate on accountXXXX : XXXX XXXX. Also on account XXXX : XXXX XXXX the last activity is inaccurate and remarks is inaccurate and months reviewed is inaccurate and payment history is inaccurate. This is grounds for removal they also violated my rights under 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 an account without my written instructions 15 U.S.C 1681e - Compliance procedures ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to the FCRA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

That stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are not still reporting 100 % accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 
Account Number XXXX  : XXXX XXXX and Account Number XXXX : XXXX XXXX
Consumer complaint received 2022-08-01
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. (OH)

I went to XXXX XXXX XXXX XXXX to finance a car, they told me since I did the application online they were not going to run my credit report again. And about 5 minutes later my credit report was ran about 13 more times. 

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 2022-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc (NY)

I bought something using PayPal pay in 4, but the product was significantly not as described. I filed a PayPal claim and they sided with the seller. 

I then filed a dispute with my bank and my bank sided with me and I was able to get my money back. 

Now Im being harassed by PayPal almost everyday in an attempt to retrieve the money that was reclaimed by my bank.

PayPal is claiming my payments never went though, which is a lie ( I will attach a confirmation email that shows all of my payments went through ) I called PayPal customer service and they told me that I needed to pay back the money I got back from my bank dispute which is ridiculous. You cant force a customer to pay back money they got back from a chargeback. I also have an audio recording of the customer service agent saying this to me which I obtained with their permission. 

I would like PayPal to stop emailing and stop trying to collect this debt. 


Merchant : Reference ID : XXXX
Consumer complaint received 2022-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma (MO)

So this problem is with credit karma / XXXX XXXX. I filed my taxes with XXXX XXXX and it says I filed with credit karma Ive also received 2 of the stimulus checks on there that I cant access nor does the irs have them payment sent back to them from when they sent it! Ive talked to multiple customer service representative. Ive tried to email Ive tried to call and never get no correct answers on why one day my credit card shut off right when I got my child tax and all my money Im missing XXXX with credit karma I can prove Ive called and emailed multiple times I can get a transcript from irs saying this much was sent to that account that still shows active but from my side its not
Consumer complaint received 2022-10-24
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. (AZ)

US Bankrupcty needs to be removed the case was dismissed. Further I asked the credit bureau their process of verification since the XXXXS courts do not report to credit bureaus they did not respond. This has been an ongoing problem with Transunion and they continue to unwilling removed the errounous information. This banruptcy is not in non of my other credit reports this is hindiring my credit scores and lifetime
Consumer complaint received 2022-10-24
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. (AZ)

US Bankrupcty needs to be removed the case was dismissed. Further I asked the credit bureau their process of verification since the US courts do not report to credit bureaus they did not respond. This has been an ongoing problem with Transunion and they continue to unwilling removed the errounous information. This banruptcy is not in non of my other credit reports this is hindiring my credit scores and lifetime