davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-25
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 (OK)

I made a purchase on XX/XX/22 for clothing for a total of XXXX and used PayPal to make the purchase. I was suppose to have received the package on XX/XX/22 through the XXXX who confirmed delivery on that date. I have never received the package and did file a police report for larceny, as I was out of town that day and my only conclusion is the package was taken. I have disputed the charge three different times on XX/XX/22, XX/XX/22, and XX/XX/22 with Synchrony Credit as I have not received the package, therefore I do not understand why I am being charged. I did reach out to the XXXX and there were many interesting facts associated with the delivery of the package that also raised a concern. For instance the package weight was XXXX ounces which is not possible for XXXX worth of clothing and the size of the package fit in XXXX personnel 's hand, which also seemed interesting and impossible. The merchandise I ordered was from XXXX XXXX and the return address on the package, in a photo that XXXX provided, was from a company XXXX XXXX XXXX XXXX in XXXX, NJ, whom I have never heard of and when I went to their website there is nothing I purchased available on their website. I have tried to explain all of this to Synchrony Credit and they continue to charge me for the XXXX worth of merchandise that I have never received. Furthermore, when I did contact the XXXX, they mentioned they recommend a signature upon delivery for any package over {$500.00}, which is a good idea to avoid this kind of incidence. I appreciate your help in this matter. I am requesting Synchrony Credit take the XXXX charge off my account for merchandise that was not received. Please note I have reached out to PayPal Synchrony Credit via phone multiple times to resolve this matter as well as XXXX XXXX and XXXX by email with no resolution.
Consumer complaint received 2022-09-30
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. (MO)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXXXXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX If XXXX credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-08-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681c-2 Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-02-22
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: CITIBANK, N.A. (CA)

Regarding Citibank XXXX XXXX card ending XXXX XXXX I received a text message from Citi Fraud department regarding a charge for {$690.00} at XXXX XXXX. They asked me did I attempt that charge, I responded - No - I did not. 

XX/XX/XXXX - On my statement that there was XXXX unknown charges XX/XX/XXXX - there was XXXX charges to my account XXXX and XXXX XX/XX/XXXX - there was XXXX credits XXXX and XXXX XX/XX/XXXX - XXXX charge finally went through but I did not make this charge. I have repeatedly disputed this charge. The bank keep on putting the charge back on my account. 

On XX/XX/XXXX, I spoke to a supervisior at Citibank and he reopened the dispute for me. 

XX/XX/XXXX - I received a letter from Citibank stating that I will be charged for XXXX and provided me with the merchant phone number. 

XX/XX/XXXX - I called the merchant XXXX XXXX and spoke with supervisor XXXX, he was extremely cooperative. He stayed on hold while I contacted Citibank for my credit card information. I did not have that on me. I borrowed someone else 's cellphone to call citibank and got XXXX from the fraud department so I managed a XXXX way call on a recorded line. With my permission XXXX provided the XXXX digit account number of my credit card ending in XXXX. With that information XXXX was able to look up information for me. He clarified that a person by the name of XXXX used my credit card to charge for a service to XXXX something on the internet. I indicated that I never gave out my credit card information to anyone and I do not know XXXX. XXXX did not provide me with personal information of XXXX. XXXX told XXXX of Citibank that the money XXXX was already charged back. He also provided the order number for XXXX at Citibank. Before the call ended, the agent from Citibank told me I should be getting a refund or credit on my account. 

XX/XX/XXXX - after my phone call with Citibank on XXXX, I received an email stating that they will investigate my situation. 

XX/XX/XXXX I received a noticed from Citibank that they will still charge me for XXXX. I do not believe they did a thorough investigation. XXXX- the merchant with the retailer is proof that I did not make that charge. 

I am ready for legal action.
Consumer complaint received 2022-10-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NH)

On XX/XX/2022, PayPal received a {$1700.00} payment to my account from a client and deducted a {$62.00} fee to process the transaction. Due to login access problems, I called by phone and requested the funds be disbursed directly me. 

On XX/XX/2022, PayPal posted a transfer of my remaining {$1700.00} balance as a " Payment to : PayPal '' and coded it as a General Account Correction, ID : XXXX. Despite repeated attempts to rectify this issue with PayPal their automated " Resolution Center '' will not accept my report of a problem and assign me a case number. Their " Message Center '' will not allow me to file a dispute. 

Even talking directly with numerous supervisory representatives including their Escalation team no one would open a claim or case on this matter. The only response I have been able to receive in months is that the matter has been escalated to their higher level team and a response will be coming via email within 24-48 hours. No response ever arrives. They have exceeded their internal timeline for review before arbitration should occur yet I have no active internal path forward. 

Supporting documents are being submitted.
Consumer complaint received 2022-08-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (FL)

XXXX XXXX XXXX XXXX XXXX ( 2 hours ago ) to me, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXXXXXX Hello Customer We notice unauthorized transaction from your XXXX account, If This Transaction Is Not Made by You Then Kindly Call Us for Cancellation of this Order Otherwise, your {$630.00} will be charge today Youre Order Information Description Quantity Unit Price Total Price XXXX XXXX ( XXXX XXXX {$630.00} {$630.00} Total Amount will be charge : {$630.00} Items Ordered : 1 youre Billing Information Your order number : - ( XXXX ) Transaction Id : - ( XXXX ) Thank you for your recent order with us. If you have any questions or want a refund for this order, please call our If you want to cancel this order, give us the Thank You XXXX XXXX XXXX XXXX 

Helpline Number : XXXX ( XXXX ) XXXX ( DO NOT COPY THE NUMBER I do not have an " unauthorized transaction. '' I have not placed an order. This email is similar to others I have been receiving for weeks seeking to fleece someone based on a transaction that does not exist, that the sender has divined. Notice that no company name appears.
Consumer complaint received 2022-12-25
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)

Date : XX/XX/22, I sent out a letters XXXX, to XXXX, XXXX, Equifax. Here is my tracking number ; during this investigation they said everything was 100 % accurate and XXXX said theyre not reinvestigating my items too. 

15 U.S. Code 1681a - Definitions ; rules of construction ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know more about who did they speak with? 
How did they complete this investigation? This doesnt correspond to the definition. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. 

I would like to how does XXXX hold the right to say, They will no longer further investigate. When 15 U.S. Code 1681i, says theres not limitation to reinvestigation if the report is determined inaccurate, as you can clearly see theres no proper investigation being conducted
Consumer complaint received 2022-09-30
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-25
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. (GA)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2019-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: JPMORGAN CHASE & CO. (MD)

JPMorgan has hacked my computer therefore I had to use my tablet. My last complaint was going, to my last but this bank has decided to go hard ball so here we go. The person who changes the automachine when one calls their customer service number has mental problems and tells lies everyday, but I have learned tape the machine. I thought my apartment s we're not getting paid back in XX/XX/2018 so I called them and they said that they were paid in full-time This is when I knew that JPMorgan bank was corrupt. 
I sent {$3000.00} at first and then had my personal bank though a dispute take it back when I found Chase JP Morgan bank to be corrupt. Today the machine states I owe them the $ XXXX back. 
All lies.
Consumer complaint received 2022-10-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (GA)

Received a promotion to open a checking account with a {$500.00} bonus after completing the following activities : Deposit {$5000.00} within 30 days Make 5 transactions within 90 days Enroll in online banking Opened with promotional code and enrolled in online banking. Performed the following activities : XX/XX/22 - opening deposit of {$100.00} XX/XX/22 - {$5000.00} new money deposit XX/XX/XXXX XXXX XXXX XXXX  XX/XX/22 - XXXX XXXX XX/XX/22 - XXXX XXXX XX/XX/22 - XXXX XXXX Account is in good standing and no promotion bonus as of XX/XX/22. Can provide more information if needed. Thank you
Consumer complaint received 2022-12-25
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. (NY)

On XX/XX/2022, I received a notification from XXXX XXXX about a hard inquiry made on my Equifax and XXXX credit reports. I immediately called XXXX XXXX to make a complaint, but I shuffled around to multiple departments and ultimately told I had to write a letter to them ( XXXX XXXXXXXX ) about the fraudulent credit card application. I then called Equifax and XXXX and I was told a different process ; they said I had to write a letter to them, along with a letter of " deletion '' from the creditor. However, when I called XXXX XXXX back to inform them of this information, they insisted that they do not provide such letters to people. I called XXXX XXXX back again and I was told by a representative in the fraud department that they'd report the fraudulent inquiry back to the credit bureaus and that I would have to wait 30-60 business days for it to be removed. I tried filing three fraudulent disputes with Equifax : one on XX/XX/XXXX ; XX/XX/XXXX, and XXXX. All three were determined to be " verified as accurate, '' which means it was done by me, and that's a completely false finding. My credit score has dropped significantly due to this fraud. I have been unable to receive any assistance from XXXX XXXX ; they won't even tell me what's on the application per their " policy. '' This credit inquiry is completely fraudulent! It should be removed immediately if XXXX XXXX reported it promptly to the credit bureaus.
Consumer complaint received 2022-10-24
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. (GA)

( DISPUTE CODE XXXX ) ( DISPUTE CODE XXXX ) My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-03
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: LEXISNEXIS (MA)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : This account is in violation OF 15u.s code 1681A consumer right to privacy this bankruptcy shouldn't be on my credit/consumer report XXXX Please remove this bankruptcy from my public record This account is in violation OF 15u.s code 1681A consumer right to privacy this bankruptcy shouldn't be on my credit/consumer report XXXX Please remove this bankruptcy from my public record
Consumer complaint received 2022-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (CA)

In a letter posted here on XX/XX/XXXX, US Bank agreed to close the account they created at XXXX. As a result, the complaint that I created here on XX/XX/XXXX was closed. There response on XX/XX/XXXX failed to address my grievance regarding the credit card they misrepresented and I recieved under false pretences. They did however agree to close my account. They did for two days, then they choose to activate it again. I hope this proves that I can not negotiate with this company.
Consumer complaint received 2022-12-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

Paypal 's website states that money transferred can be accessed immediately, but this has not been my experience. On more than one occasion, the money is held for as long as 60 days. Today 's transaction is now being held for 30 days, when it's an emergency situation trying to get money to a friend for food.
Consumer complaint received 2022-08-03
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: CITIBANK, N.A. (VA)

Hello, I have sent multiple dispute letters to XXXX to dispute a Citi Bank credit card account that is showing on my credit report. This is not my account. I have even tried contacting Citi Bank to see what this account is, even offering to pay any balance in hopes to get the collection off my account and they could not provide any information on this account due to them not being able to locate any open or closed accounts with my Credentials. I have tried contacting the collection agency reporting on my profile and they can not locate an account with my name, dob, or ssn. I have been trying to resolve this issue since late February when i first noticed it showing. I have called XXXX to inform them of what is happening, and the representative submitted another dispute that is now showing closed, but no corrections or errors have been updated. Now when i try and call XXXX for an update on the investigation i am unable to get through the automated system to a representative. I am unsure if there is something wrong with the phone lines. I am trying to purchase a home, and this is delaying the process. I can not get help from the Credit card company nor XXXX. 

I can be reached at XXXX or by email XXXX Thank you!
Consumer complaint received 2022-08-03
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.