davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-30
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: FORD MOTOR CREDIT CO. (TX)

In the month of XX/XX/XXXX, my auto loan was reported to have one 30 day late payment to all credit bureaus. This is not valid as the account has been in excellent standing since XXXX. I reached out to the lender and they advised they would correct this before the next reporting date in XXXX, as it was a banking error. I reviewed my credit report today on XX/XX/XXXX and could see the issue has not been resolved and my credit is being affected thus preventing a refinance on my home to provide for my family. This is causing dire stress on myself and I need your help to rectify this matter immediately. My payment for XX/XX/XXXX has reported on time and the creditor is not responding anymore to my written letters and when we call, I am always placed on hold and the call gets disconnected. I pay roughly {$1200.00} a month for my auto loan so this is a surprise.
Consumer complaint received 2021-07-29
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. (MI)

After 40 days I still see inquires I have disputed still on my report. I did not give anyone my consent to use my stuff. I have contacted the B & creditors about this. First they dont respond for 30 days then after multiple disputes I get a computer generated response! Really!?. Under law remove this bs off my report now!.
Consumer complaint received 2021-08-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (CA)

A collections account showed up on my credit report in XXXX. The collections company says the account was originally sent to collections in XXXX, but it was opened in XXXX or XXXX when I was under XXXX XXXX XXXX. The social security number on the account is correct, but the birth date and name that was used on the account are incorrect. This is fraudulent. Also, an account this old shouldn't barely be on my credit report all of a sudden now anyway.
Consumer complaint received 2021-07-29
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. (VA)

These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 60 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the XXXX you have caused me.
Consumer complaint received 2022-08-11
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. (IL)

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 2022-12-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: LOBEL FINANCIAL CORPORATION (TX)

XXXX XXXX I purchased a XXXX not knowing I was getting myself into a loan it was my first car and I paid XXXX down at first he told me i would pay XXXX and the rest payments but I never knew I was getting myself into a loan I thought the payments were going to be made to the dealership. He made me sign a lot of papers I didnt even know. He told me the car was also good and everything was okay but it had a lot of problems I told him about him and he kept saying everything was fine with the car had it for at least 7 months and around XXXX the car got stolen from me and its been 6 months and still no news From it. My complain is that I had no idea I wasnt suppose to put a down payment because the total of the car was XXXX and I still owe XXXX XXXX on the loan after I paid all the payments and down payment. I havent paid the car because it got stolen the loan is called lobel financial and the dealership XXXX XXXX XXXX XXXX  XXXX tx
Consumer complaint received 2021-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Social Finance, Inc. (CA)

I discovered a whole bunch of charges to some company I've never heard of before. 

I disputed these charges with sofi using there online dispute option, and followed up by phone call the next morning ( since they're call center was closed when I initially discovered the charges ) and also because their dispute system only allowed for 3-4 disputes and there was many many more charges than their max. 

When I called, I was told not to worry, they would send me a new card, and investigate the charges, and that I'd be fully credited for the fraudulent charges Then just a few days later, we'll before I received the replacement card in the mail, Somehow my card began receiving charges once again! I hadn't even received or activated the replacement card, yet somehow my account was experiencing large and numerous charges to this same XXXX XXXX 

The dispute I filed from the first card came back, and I was shocked to see that all of the transactions were " determined to be authorized ''. 

All the transactions except for 1, which was approved, and credited back to my card. 

So why would you credit me for the 1 transaction, but deny the rest, all from the same merchant??? 

I DID NOT MAKE THESE CHARGES, NOR DO I HAVE ANY KNOWLEDGE OF THESE CHARGES THESE CHARGES ARE TOTALLY FRAUDULENT AND I DONT UNDERSTAND HOW THEY AQUIRED THE NEW CARD NUMBER AND MORE THAN YOU DO. 

WHAT I DO KNOW IS THAT I HAD NO INVOLVMENT WITH THE CHARGES, YOU CREDITED ME FOR ONE BUT DENIED THE REST! 

WHY??? 

PLEASE HELP ME TO GET ME MONEY BACK, WHAT DO I HAVE TO DO?
Consumer complaint received 2021-11-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (FL)

Paypal refused to close my account when I discovered that someone had created a business account linked to my personal account and took money out of my bank account. 

I have a PayPal account and an unauthorized transaction occurred on XX/XX/2021. transaction ID # XXXX for {$110.00}. I am unable to locate an account number associated with my account. 

on XX/XX/2021 I discovered the issue and electronically indicated the payment was not authorized and I received an automated response that this was being checked. Upon review of my account I noted that a business account had been added/upgraded to my personal account and the name was not my name. Also there was a tax ID number added. I tried to remove both and I was not able to do. 
I removed my bank account access. And changed my password. I attempted to close the account entirely and I received a decline message with instructions to call customer service. 

Also on XXXX, at XXXX XXXX ET ; I called customer service at Paypal. I talked to someone in another country and she tried to help. After speaking to her supervisor several times and repeatedly telling me that if I chose to close the account that she could help me, she was not able to close the account BUT could remove the business upgrade. 
I told her that it was not just a choice but that someone had gotten into my account without my permission and was using it illegally. 

Paypal refused to close my account because a transaction had been made in the last 60 days. 

Do they not know fraud when they hear it?
Consumer complaint received 2021-11-05
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ALLY FINANCIAL INC. (PA)

I contacted Ally Bank and requested validation for a debt they hold in my name onXX/XX/2021. I have not received a response back from them. Since they have not responded in the allowed timeframe ( 30 days ). By law they are required to Cease from any and All Collection activity and promptly delete any accounts they hold in my name.
Consumer complaint received 2021-07-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I had the intention of purchasing a puppy from this website : XXXX After email communication with this seller - I was asked to make a payment through XXXX. My bank account uses the XXXX payment system. I initiated the payment and during this time was realizing that things seemed out of sorts and that I was potentially being scammed. I did verify with the bank that I had initiated the payment- so Chase Bank did continue to process my request. After I realized the scam, I called my bank because the payment did say it was still pending. But Chase told me there was no way to reverse the transfer of the funds. I deposit quite a bit of money into my Chase bank accounts- personally and for business. And I would have hoped that they could provide more protection of my funds and use a payment system that protected against fraud. 
Anyhow, I was told by Chase to call XXXX and they provided me with a customer service number. When I called a recorded message came on to say that there was no way to recover funds sent through my bank- they would only be able to assist me or answer questions if I used the actual app for XXXX XXXX This happened on XX/XX/2021. I was scammed out of {$1000.00}. Both Chase and XXXX had nothing to offer me in order to recover my funds- no buyer protection!
Consumer complaint received 2021-10-02
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: EQUIFAX, INC. (TX)

Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all three Credit bureaus and they have Ignored my verified clams and are unlawfully and illegally reporting fraudulent accounts and information on my credit profile. 

Names Fraudulently XXXX A XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX A XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Addresses Fraudulently listed XXXX XXXX XXXX  XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX WY XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX DEPT OF ED/XXXX  - XXXX - {$7400.00} DEPT OF ED/XXXX  - XXXX - {$4800.00} NAVIENT XXXX - {$850.00} US DEP ED - XXXX - {$5500.00} US DEP ED - XXXX - {$7000.00} US DEP ED - XXXX - {$970.00} US DEP ED - XXXX - {$640.00} US DEP ED XXXX XXXX - {$1500.00} XXXX  XXXX XXXX  XXXX  XXXX XXXX - {$600.00} ( Original Creditor : XXXX  XXXX  ) - XXXX - {$6300.00} XXXX XXXX - XXXX - {$410.00} XXXX XXXX  XXXX - XXXX - {$700.00} XXXX XXXX - XXXX - {$3700.00} XXXX  XXXX XXXX XXXX {$8700.00} unauthorized Inqiures XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTO FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED 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 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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act XXXX  XXXXXXXX XXXX XXXX  account # 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 : also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-07-29
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. (TX)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2021-09-13
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. (CT)

This company is Equifax and I have disputed 7 times 1. XX/XX/XXXX # XXXX ; 2. XX/XX/XXXX # XXXX ; 3. XX/XX/XXXX # XXXX ; 4. XX/XX/XXXX # XXXX ; 5. XX/XX/XXXX # XXXX and 6. XXXX ; 7. XX/XX/XXXX # XXXX XXXX XXXX account and they still have not corrected the incorrect information. At one point they added a " repossession that never existed which dropped my credit score 60 points and lost my ability to get a mortgage. I have sent dispute letters and documentation to have them remove this account from my credit reports because it is negatively effecting my credit report. They have to either remove it from my credit report or DO NOT SHOW any late payments and paid as agreed. This account has been closed and was never repossessed. The first late payment was on XX/XX/XXXX and is over 7 years old. Per law The original delinquency is the one that starts the clock. That means the entire sequence should disappear seven years from the first date the payment was late. Which is XX/XX/XXXX. This is over 7 years and I have ask over 7 disputes to please remove and stop reporting all late payments. It should reports paid as agreed no late payments.
Consumer complaint received 2021-07-29
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Wave Financial USA Inc. (GA)

I signed up to XXXX to use there payroll services in early XX/XX/2021. I did everything they asked to verify the account. I even sent extra verification via email. I was able to approve payroll for XXXX employees and XXXX  independent contractors. The company debited my account for payroll on XX/XX/XXXX, but froze the account the next day and asked for additional verification for the XXXX contractors. I sent that verification to them via email. Then on XX/XX/XXXX the company decided that my company was not able to use there services and the money would be refunded with in 65 days. Once a week I contacted them through the chat service to check the status of the refund. No movement was made as to giving me my refund. I continued to ask questions about my refund, but received not assistance. I was refused a supervisor and finally blocked from contacting live chat. Now I am limited to email which has a 10 day waiting period and then they have no calling number. Their website is completely fraud, by saying they would prefer to have a live chat instead of a phone number. I am looking for answers to this issue of getting my money back into my account. If they were not going to process my payroll then they should have never took the funds out of my account. 

attached are FTC filing about the company and most resent attempt to contact a live support representative.
Consumer complaint received 2021-11-05
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. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-07-29
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 (NY)

On XX/XX/2021, I made a purchase from XXXX for a XXXX XXXX color inkjet printer. It seemed strange to me that such a website ( that appears to sell women 's hair products ) would be selling a printer, but I took the chance. I never received any email or order confirmation from the website. I paid via my PayPal Credit account, which was charged on XX/XX/2021 for {$110.00} - the item price of {$99.00} plus shipping and tax. The seller as listed on PayPal Credit was XXXX XXXX XXXX. After two weeks of not receiving the product, I filed a complaint with PayPal on XX/XX/2021. They contacted the seller, who returned a XXXX tracking number, XXXX, as proof that the item had been delivered. However, this was just a tracking number and did not show any addresses or proof that it meant a printer had been delivered to me. In fact, the weight on the shipment is listed as XXXX lb., while I ordered a 70+ lb. printer. Having not heard a satisfactory resolution from PayPal, I proceeded to file a claim with PayPal Credit, which yielded no results. They closed their investigation, deciding that no fraudulent activity had occurred. I filed several complaints to no avail. Any attempt to reach the seller directly failed.
Consumer complaint received 2021-07-29
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: DriveTime (FL)

On XX/XX/XXXX an inquiry was made through DT Credit for a car loan under my name which was false. I have not owned a drivers license since XXXX. I called the number on my credit report and they in fact confirmed that this was false.
Consumer complaint received 2021-07-29
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: GreenSky, LLC (CA)

GreenSky authorized a loan in my name that I did not request or approve. They ran a hard credit check on XX/XX/2020 and authorized a {$5100.00} line of credit on XX/XX/2020. The account is still active. GreenSky has no record of my social security number attached to any accounts. They have refused to give me a written statement saying that this account isnt mine. Even after confirming that I do not have an account with them, they certified the account information with XXXX. XXXX  will not remove this account from my credit report without a written statement.
Consumer complaint received 2021-07-29
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (MT)

I have been attempting to have my Morgauge taken out of forbearance since XX/XX/2021. I have filled out the paper work on numerous occasions and faxes it over in three separate occasions since XX/XX/XXXX. I have been placed on hold on numerous occasions and have attempted to reconcile the issues. Loan care is not returning my phone calls or updating me about required paperwork or if more paperwork is needed. They continue to extent my forbearance period without my permission and are becoming impossible to work with.
Consumer complaint received 2021-07-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC. (FL)

I called into Exeter finance and advised them that I felt like my rights were violated based on Florida laws on repossession. I called Exeter Finance and spoke to a rep by the name of XXXX. I requested that she send me documents pertaining to the loan on this vehicle including the contract, account statement, notice of sale, and notice of deficiency balance. 
During our conversation she advised that she could not provide the notice of sale or notice of deficiency due to " time sensitivity '' I advised her that as a consumer I felt that I have the right to see the notices. I was never in receipt of the notices so I have no knowledge of how the deficiency balance was calculated or when the car was sold and how and where the car was sold. See attached credit reporting for account information.
Consumer complaint received 2021-07-06
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: EQUIFAX, INC. (NV)

XXXX, Equifax and XXXX  are reporting 9 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2 dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.