davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (GA)

Every item on my credit report is showing as late payments in my credit report, and it should not be reported late payments. I am currently in a chapter XXXX over the last 2.5 years and the items on my credit report was included in my bankruptcy! Please remove ALL incorrect information on my report that is being reported late and/or delinquent! 

I did contact all the companies concerning this matter. Thanks. XXXX XXXX
Consumer complaint received 2020-05-22
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. (GA)

There are items that are reporting that does not belong to me. Please remove the following items : XXXX XXXX XXXX - Date Opened XX/XX/2017 Incorrect Address : XXXX XXXX XXXX ( XXXX  and XXXX  ) Incorrect Address : XXXX XXXX  XXXX ( Equifax )
Consumer complaint received 2020-05-22
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: ALLY FINANCIAL INC. (OH)

I have tired to dispute a car loan that was opened/co-signed in my name by a former spouse. During the time the loan was opened I was XXXX so there is no way I can possibly have opened the loan. I have documents to prove that as well and will add those to my compliant. I have tired 3 times now and can not seem to get them to remove it. The documents will show I was in XXXX  on XX/XX/2016. I had trial XX/XX/2016 and my XXXX was XXXX months which would make no sense as to how I would be able to get a car loan
Consumer complaint received 2020-05-22
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (TX)

I have contacted Ally Financial multiple times about my timely payments that have not been reported since XXXX of XXXX. Additionally, my vehicle was involved in an auto accident where the other individual left the scene and the car was totaled. As a result, my insurer, XXXX, paid roughly {$16000.00} towards my car loan. That balance has not been reported either and it has been about 2 months since XXXX paid Ally Financial. I am upset because Ally Financial prioritizes reporting payments if late, but when payments are made on time, the same priority is not carried over. Therefore, the information they are reporting is not representative of my payment history and thus unfair and in violation of the Fair Credit Reporting Act. I have contacted Ally Financial about three times ; the first individual explained that it was a technical issue that was being worked on, the second individual gave me a case number ( XXXX ), and the third individual could not even comprehend my issue and gave me responses that did not make sense. Additionally the third individual I spoke to on XX/XX/XXXX said another representative from the company would be calling me back in a few days to discuss my issue ... it is now XX/XX/XXXX and I have not received a call concerning the issue. I am escalating this primarily because it impacts my credit worthiness and I need to replace my car as well as go for other credit. Hence, the $ 19,000+ that is currently shown by the credit bureaus could have an adverse effect on any lending considerations. Ally Financial has blatantly failed to show concern for my issue and has amplified that with their inaction. They prioritize calling me everyday to make sure my final {$300.00} dollar payment is made, but provide zero mention of my issue with the company. Once again, if it was a late payment, Ally Financial would waste absolutely no time updating the credit bureaus with the most current data. Therefore, if the Ally Financial is going to report late payments, Ally Financial is also obligated to report timely payments ... or not report at all. The fact that it has been almost 6 months without a single report is absolutely unacceptable.
Consumer complaint received 2020-05-22
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: Paypal Holdings, Inc (CA)

I am writing this complaint in respect to fraudulent activities carried out by PayPal in regards to my account. In XX/XX/XXXX, I cancelled my XXXX  credit card ending number XXXX and I never updated my new XXXX  credit card details ending number XXXX to my Paypal account. To make clear, I NEVER gave my new credit card information to PayPal. Additionally, I NEVER gave authorization for PayPal to use my credit card which I never gave to PayPal. 

However, PayPal fraudulently and unlawfully found my new XXXX card details and linked it to my account and charged an amount of {$4100.00} on XX/XX/XXXX. Thereafter, I again cancelled my new credit card on XX/XX/XXXX and I found on XX/XX/XXXX, PayPal again linked that second new XXXX  card ending number XXXX. In fact, PayPal linked the new XXXX  ( which I have not even activated ) only TWO DAYS after it was issued. Again for the second time, PayPal is trying to use a card which I NEVER gave authorization to use. This is fraud on the part of PayPal and it is illegal and it has engaged in criminal conduct which I am making this complaint referral both Federally and in the State of California due to violations of both State and Federal Law. 

Furthermore, PayPal did not impartially look at XXXX improper billing practices because XXXX is a subsidiary of XXXX. Thus, PayPal is not and did not conduct an impartial fair investigation with XXXX due to the fact that both companies have the same ownership. However, for your information, I will dispute all the invoices from XX/XX/XXXX to XX/XX/XXXX with XXXX in a separate matter. However, this particular letter is dealing with the fraudulent use of my credit card which I did not give authorization for PayPal to use.
Consumer complaint received 2020-05-21
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: Exeter Finance, LLC. (TX)

I called XXXX XXXX to ask them why I got numerous denials from loan companies I did not even fill out any forms with this company at all. The lady on line said she would have to check into it she put me on hold and after about 10 minutes hung up on me. Also I got a denial from a car dealership in Utah. I live in Texas. they said they would check into it and get back to me ... .never have heard back from them
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NY)

Good morning. I want us to help me fix a problem with my banking. I got scam and I report that to my bank I deal with, but it seems like chase report me for something I did not commit. I am innocent, and any bank do not want to deal with me because of that. So I need help to fix that please. Thank you, I really need help.
Consumer complaint received 2020-05-21
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)

I was involved in an identity theft incident and EQUIFAX DATA BREACH. I Have attached proof that this breach has caused harm to me. To my surprise, the criminals opened up accounts in my name that was never authorized by me. Please note that I provided the credit bureaus with the police report and the proof of my identity theft as well as proof directly from Equifax that I was involved in the data breach which lead to my identity theft case. to no avail they refused to block the accounts temporarily while investigation which I know will be permanately removed. This is very frustrating and violates my consumer rights. Please don't say that you are still investigating because you have already passed the investigation time line.
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

REMOVE INCORRECT PERSONAL INFORMATION I am disputing the following personal information that is showing for me which is incorrect : Incorrect Addresses XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX , XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX My Correct address is XXXX XXXX XXXX XXXX   XXXX, XXXX ( please see attached identification ) Please remove incorrect employment information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these authorized inquiries. 
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 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 2019-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SCS Credit Corporation (IN)

XXXX refuse to remove two accounts from my credit report that has been filed and discharged in a bankruptcy as of XX/XX/2019. Both accounts SCS CREDIT and XXXX XXXX are closed accounts while discharged in the bankruptcy the two accounts should not still be showing on my credit. These accounts are negatively affecting my credit score. XXXX dispute result stated that I filed for a dispute in XXXX for the two accounts, but the bankruptcy had not been discharged yet. Now, XXXX refuses to let me dispute these two accounts again. SCS credit Corp and XXXX XXXX are included in the public record located on my credit report.
Consumer complaint received 2019-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

I tried buying tickets today ( XX/XX/17 ) to an event through a private seller and initiated a payment ( {$350.00} ) through my Chase banking account utilizing XXXX. Once the transfer was initiated, it was immediately clear that this was a fraud and that I wouldn't be receiving the tickets. 

I contacted XXXX to see if a stop payment could be placed on the transfer about 30 mins after realizing this was a fraud. They informed me that once the transfer was initiated through XXXX and accepted by the other party 's bank, there was nothing they can do. 

I contacted XXXX and was immediately referred back to my bank.
Consumer complaint received 2019-09-17
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: CITIBANK, N.A. (FL)

On XX/XX/XXXX I had a fraudulent charge in the amount of {$100000.00} on my credit card and the associated transaction fee of {$51.00} and interest charges of {$3.00}. I immediately contacted CitiCard, filed a dispute and cancelled that card. Citi sent me a new card. I never received a credit back on my next statement and so I contacted CitiCard and discovered the dispute never got filed. I then filed the dispute again and was assured it would be settled. I checked my online dispute page a week later at the Citi online site and it was not listed. I called again on XX/XX/XXXX and filed a 3rd time and gave them all of the information again. In the process I waited long periods on the telephone only to be disconnected when I asked for a supervisor. ( a rep by the name of XXXX was one of them that hung up on me. ) On the week of XX/XX/XXXX it still was not showing up in the dispute center but after a long wait, I was assured by a supervisor by the name of XXXX that it would be resolved shortly. She was the only person that was helpful throughout the process and spent a good amount of time calling the fraud department and called me back when they hung up on me. During this entire time I was never credited and have paid off the balance during the dispute and am carrying the interest charges. I have never seen a credit card company not issue you a temporary credit while the dispute is taking place but they have not done such after multiple requests. On XX/XX/XXXX, after waiting on the phone for 45 minutes I spoke with another representative as the dispute was not settled as promised the week before, but he gave me no firm information so I again asked for a supervisor. I tried to speak to a supervisor but XXXX informed me they were all too busy and would have to call me back. I have not received a call back. I would really like help resolving this matter as I have spent a ridiculous amount of time on what should be a relatively clear cut matter. I charge a tremendous amount on this credit card and have had very few disputes. I also have never had a cash advance via credit card. I would have liked to have resolved this directly with Citi but I have spent no less than 4 hours on the phone with this over a period of almost two months and still can't seem to get it resolved.
Consumer complaint received 2019-09-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Association representing XXXX XXXX XXXX   XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2017 amt {$1600.00} XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (OH)

On XX/XX/XXXX, I applied for a secured Citibank Credit Card and was approved and submitted bank account information for the collateral. The {$200.00} deposit was debited from my account on XX/XX/XXXX and obtained an update the following week from " Application Status '' page that the card was mailed onXX/XX/XXXX and would be sent within 7 - 10 days. I called on XX/XX/2019 as I had not received the card asking that the card be expedited as I had not received the prior card. The representative initially told me that they could not expedite new card. I explained that the new card was never received and it was past the 10 days. I asked to speak to the supervisor and the rep placed me on a very long wait with just silence. I thought the call dropped and I called back and the system said that replacement card will be sent through express delivery. I called again today to obtain tracking number and the system states that the card was mailed on XX/XX/XXXX and will be delivered to my address XX/XX/XXXX. In speaking with the merchant rep, I was told the card was mailed through US mail even though your automated system says otherwise. 

I am frustrated as I had to be transferred to different departments and getting a run around for a card where I made a deposit on. I have been inconvenienced as I had to wait for about a month for this card. I satisfied the requirement to make the deposit while Citibank continues to give me misinformation. I am requesting remediation for the inconvenience.
Consumer complaint received 2019-09-17
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. (TX)

I've been using myFICO for credit monitoring for years with no issues. On Sunday XX/XX/XXXX I tried to upgrade to the higher tier of credit monitoring and the order failed because of the information provided to Equifax did not match what's on their end. This is the same information that has been sent to them for years. 

I called myFICO customer service this morning ( XX/XX/2019 ) and I was told that Equifax refused to release my information. I also called Equifax and they said they could not see any issue on their side. 

In order to verify this wasn't only a myFICO issue, I also tried to sign up for the XXXX monitoring service that includes Equifax and XXXX. That order also failed because Equifax is not releasing the information.
Consumer complaint received 2019-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (MA)

I applied for and was approved for a Synchrony Bank XXXX XXXX branded credit card on XX/XX/XXXX under the then promotion for XXXX XXXX Miles after a {$2000.00} spend in 90 days, and then an additional XXXX XXXX Miles after an additional {$3000.00} spend within the first 6 months of account opening. I completed the {$2000.00} spend in 90 days and received the XXXX XXXX Miles. I also completed the additional {$3000.00} spend by XX/XX/XXXX, which is about 5 months after opening the card. I never received the promotional XXXX bonus. 

I contacted XXXX Miles and XXXX XXXX, who said I would have to contact Synchrony Bank. I contacted Synchrony Bank on XX/XX/XXXX via their credit card website login message center and reported the above. They proceeded to send me multiple pieces of mail over the next few weeks stating they were looking into it, but I never received any results or the missing miles. I also emailed their general customer service XX/XX/XXXX, but never received a response. 

I have copies of all correspondence from my end, as well as the original promotional email that prompted me to sign up for this credit card.
Consumer complaint received 2019-09-17
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: General Motors Financial Company, Inc. (GA)

I went in to XXXX XXXX XXXX in XXXX Georgia to buyout my leased car in XXXX. It seemed to be like a smooth process until a month later when I realized my tags had still not been sent to my address. No one at the dealership told me I needed to go to the tag office to request tags not did they provide any other information as to what else was needed for me to do. I went to request a tag extension since my tags were due to expire XX/XX/XXXX and it was XX/XX/XXXX at this point. At the tag office they informed me that I was not even in the system! The dealership had not processed ANY of my paperwork. Not only this, but they hadnt done the inspection, oil change, or emissions test that was required for every purchased car so I had to run around for a week trying to figure out how to get these items done. Still nothing from the dealership. I called several times and everyone said theyre were going to figure out how to process the paperwork but they didnt even realize the emissions hadnt been done until the XXXX of XXXX, 2 days after my tags expired. So I needed to get the emissions done and file the paperwork myself and 10 days after my tags were expired I was finally able to get tags. 

Now its a few months later and I get a call from GM financial about an overdue balance on the leased card, which the dealership was supposed to pay! So I have a huge reduction from my credit score because of a balance I was never supposed to pay. The dealership has been the most difficult to deal with, the management has no idea what they are doing, they are super unprofessional in how they have handled the situation and with their customer service. They stopped taking my calls at one point, werent getting back to my voicemails, and when I spoke to the management in charge they gave me such an attitude as if this whole thing was my fault. Yes, they did repay me for the emissions test and the inspection and tags I had to pay for, but for the inconvenience and stress I should have been given more. I am appalled at the situation and I can not believe how unprofessional they have been and how stressful buying out my lease has been. They have serval times said they would do something and it never happened until I harassed them to do so or had to just do it myself. I had to get another dealership to even send in my emissions test so I could get my tags, so this is just disheartening and sad. I need this taken off my credit ASAP and I want nothing else to do with this dealership. I hope all XXXX dealerships arent like this because this is ridiculous.
Consumer complaint received 2019-09-17
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: Experian Information Solutions Inc. (DE)

n the process of obtaining a mortgage through XXXX XXXX XXXX XXXX. On two occasions I am being told by my loan officer XXXX XXXX that they can not obtain a credit score for me through XXXX XXXX XXXX phone # XXXX with an order # XXXX. I have a freeze on my credit profiles through all three Bureaus. This freeze was placed due to my being a victim of credit fraud in which I purchased a XXXX XXXX mattress set and my credentials was accessed and different credit cards started to appear in my name. I HAVE PERSONALLY LIFTED ALL THREE BUREAS FREEZES FOR THE ABOVE LOAN OFFICER SO THAT THEY CAN OBTAIN THESE SCORES ONLY TO BE TOLD AGAIN AND AGAIN THAT THEY DONT HAVE A SCORE FOR ME. On several occasions I left messages for the above loan officer and her supperiors by the name of XXXX XXXX ( XXXX ) XXXX EXT XXXX. Never once did any of the above contact me back. I find all of the above hard to believe because in XXXX the area where I am looking to purchase had NO PROBLEM in pulling my credit score for their application through there leasing office. I am now feeling that I am getting the run around by either XXXX or XXXX  in which the latter has provided a PIN to remove or lift the credit freeze. I am now looking at the possibility of losing the home I so dearly am trying to purchase over a technicality.
Consumer complaint received 2020-05-17
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)

Someone use my identity to open several fraudulent accounts in my name I was not aware of any of these accounts I am victim of identity theft I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA 's. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.