davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: XOOM CORPORATION (MA)

I am writing this complaint from a sense of utter frustration and disappointment at the way this transaction was handled by XOOM/XXXX   and how their Customer service department has been communicating the status. An amount of {$530.00} was supposed to have been deposited to a bank account in XXXX using the XOOM money transmission service and now after 10 days the recipient and the bank in XXXX - XXXX XXXX XXXX  has not received the funds. I have been in constant touch with their Customer service and they have been a complete waste of my time and this is why I feel very strongly that there is something very fraudulent about this transaction. I need to know exactly to which bank account number this transaction deposited the monies to. The history of this transaction on the XOOM website does not spell out the complete account number. If the monies went to the correct account, where did the hand off fail? The XXXX XXXX XXXX  authorities are saying the monies haven't hit their bank. I would really appreciate your intervention for a fair resolution to this matter.
Consumer complaint received 2020-07-22
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 several items that are reporting inaccurately on my credit report : INCORRECT PERSONAL INFORMATION : Names : XXXX, XXXX, XXXX Address : XXXX To XXXX XXXX  XXXX XXXX XXXX Address : XXXX To XXXX XXXX  XXXX XXXX & XXXX  XXXX Address : XXXX To XXXX XXXX  XXXX Equifax XXXX THESE ITEMS DOES NOT BELONG TO ME. IT IS REPORTING EITHER IN ERROR OR BY MEANS OF IDENTITY THEFT : Bankruptcy Chapter - Chapter XXXX filed XX/XX/2013 ( XXXX & XXXX  XXXX The following items are incorrectly reporting that I was late : XXXX  Credit - Opened Date : XXXX ; Bal : {$650.00} ( XXXX, XXXX, Equifax XXXX
Consumer complaint received 2021-04-07
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. (NC)

Hello my name is XXXX XXXX I have submitted to the agencies over and over again about my personal information.The only address should be on file is XXXX XXXX XXXX  XXXX Nc XXXX. There's no other spelling in my name besides the one above.
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have Sent Information  to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2020-07-22
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: ID Analytics, Inc. (AR)

I bought a XXXX XXXX from the company in XXXX of this year. Last month, I begin having issues with the vehicle so I took it back to the company to see what I needed to do. After being given number after number to call and those people giving me different numbers to call, I just asked if I could trade the vehicle back in. They told me yes. I never picked out a vehicle, nor test drove a vehicle. I sat in the lobby almost all day because I was under the impression that the bank ( XXXX ) didnt want to buy the XXXX back because I had only had it a few months. I ended up having to pay out of pocket to get the truck towed and fixed because the insurance that comes with the vehicle doesnt cover it until after its been diagnosed. Fast forward to XX/XX/XXXX, I receive an envelope from XXXX XXXX  stating that I was denied for a loan for a 2020 XXXX XXXX. I never gave the consent nor the ok on a vehicle. I have XXXX children and XXXX car seats, its hard to fit them inside of the XXXX, so I wouldnt go for something even smaller than what I already have. Now Im wondering how many different companies did they use on XX/XX/2020 to try to finance a vehicle I never asked for!
Consumer complaint received 2020-01-30
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (IL)

ERC - Enhanced Recovery Company continuously harasses me via phone. I've asked that my number be removed from the list and the next day the calls came in more. I get about 10 to 15 calls a day from them. The most recent call was today XX/XX/2020 at XXXX.
Consumer complaint received 2020-12-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (CO)

Someone used my card and made purchases. This first happened in XXXX Now again 2 times in a row on XX/XX/XXXX. The refused to look into it saying it was pending except it wasn't Cause the money came off my card. Obviously the security they say they have is a joke. And their unwillingness to help me or protect my money is not a way a business that i trust my pay going to should work. They promised a supervisor would email me and that didn't happen. Still hasn't..and they still have not fixed anything from XXXX. This company doesn't train the employees about fraud or much anything really. Now my bills are past due my money is gone my daughters bday was today and cant even get her XXXX .Venmo doesn't even care!! Their security has to be better then this..so upset
Consumer complaint received 2018-04-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNTRUST BANKS, INC. (CT)

A close out check issued from XXXX XXXX on XX/XX/XXXX in the amount of XXXX, it was deposited via mobile app on XX/XX/XXXX, this check reflects the amount left in my checking account with XXXX XXXX. Unbeknown to me, a stop payment was placed on the item for reason ( s ) unknown to me, I am still trying to find out why they stopped payment on the item after they agreed to send check, they do in fact owe me the funds. Check was deposited to my Suntrust account and is now overdrawn due to stop payment, overdrawn amount includes numerous overdraft fees, a total of 14 plus a returned check fee. Due to status of my XXXX XXXX account, there is a special department handling it which works off a voicemail and they do not return my messages. A separate complaint is on file with CFPB in regard to stop payment and status of missing funds. I attempted to reach out to Suntrust executive office in regard to resolution of overdraft fees and returned check fee as stop payment appears to be an error on XXXX XXXX, not my fault. I was unable to reach anyone in executive office, just customer service and a few reps working in different branches. I need these fees refunded
Consumer complaint received 2020-07-22
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: SYNCHRONY FINANCIAL (TX)

Hello, I have reached out to XXXX  to dispute inquiries on my report that were not authorized by myself. I sent a letter certified mail on XX/XX/XXXX. 

After 3 weeks of not hearing from them on status of my dispute on these inquiries, I decided to call and inquire on the status of these disputes. 

They advised that they could not remove these inquiries although I confirmed with them that they were fraud and clearly my profile is being accessed without my knowledgede or authorization. 

In an attempt to obtain a letter of deletion from the creditors : Syncb/paypal XX/XX/XXXX ( SYNCHRONY BANK CONFIRMED SUBMISSION FOR DELETION to CREDIT BUREAU ) XXXX XX/XX/XXXX ( REMOVED DUE TO FRAUD ) Syncb XX/XX/XXXX XXXX SYNCHRONY BANK CAN NOT LOCATE THIS INQUIRY BECAUSE IT DOES NOT LIST THE MERCHANT NAME. I ASKED XXXX  TO PROVIDE THE MERCHANT NAME SO THAT SYNCHRONY BANK CAN FURTHER ASSIST. XXXX  DOES NOT HAVE ANY OTHER INFORMATION ON WHO ACCESSED MY FILE, OTHER THAN IT SAYING " SYNCB '' ) Syncb XX/XX/XXXX ( REMOVED DUE TO FRAUD ) Synvs/XXXX XX/XX/XXXX ( REMAINS ON REPORT - THIS IS FRAUD AND I DON'T KNOW WHO THIS CREDITOR IS. ) XXXX XX/XX/XXXX. ( THIS IS FRAUD ) In an attempt to better protect my private information, I have since place a fraud alert on my account and locked my files with XXXX. By end of month, I plan to have credit file locked with all three credit bureaus. 

Please help XXXX  resolve these issues as I am not getting anywhere with them. 

Thank you!
Consumer complaint received 2020-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (IL)

This complaint is filed against Synchrony Bank, which runs PayPal Credit. At the beginning of 2020, I filed a dispute with PayPal Credit regarding missing refunds. These refunds are in connection with an online HauteLook.com purchase from XX/XX/2020. I returned the merchandise I purchased, and received a return confirmation via email from XXXX. XXXX is a company owned by XXXX. I was assured that a partial credit had been processed onto my PayPal Credit account for : {$200.00}. Please see XXXX of the pdf documents I am submitting. I contacted XXXX XXXX requesting an additional credit for : {$5.00}. They agreed to issue that credit as a courtesy. When you add up the 2 credits, you get the full transaction amount : {$210.00}. Initially, Synchrony Bank ( or PayPal Credit XXXX issued a provisional credit. Later, in a letter dated XX/XX/2020, which I received in XXXX (! ), they told me that they were REVERSING the credit and that I would be responsible for the charge. Based on what!?! I provided INDISPUTABLE evidence that the merchandise was returned ( delivered to Return Center in XXXX XXXX, CA XXXX on XX/XX/2020 ) and also, as I indicated above, a copy of an email confirming that the main ( bigger ) credit had been issued. The question ( MYSTERY ) is : where is that credit and the other credit ( {$5.00} )? Why are they NOT appearing my PayPal Credit account? Who's doing what? Whoever reviewed my dispute at Synchrony Bank should be fired or demoted! I will NOT be paying for that charge. It is Synchrony Bank 's responsibility to straighten this out with the merchant! I made several attempts to do that myself. I recently even emailed the Disputes Team at XXXX but I still have not heard from them. In any event, I've furnished ENOUGH documentation in support of my claim for a chargeback to be permanently initiated. FYI, the PayPal Credit account in question ends in : XXXX.
Consumer complaint received 2021-11-03
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: EQUIFAX, INC. (IL)

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately
Consumer complaint received 2020-01-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (MD)

On XX/XX/2020, I [ XXXX XXXX ] made a second attempt to resolve a debt in the amount stated by a representative of XXXX XXXX XXXX ( {$2300.00} ).  Previously, I received calls from this company asking me to verify personal information prior to discussing why they were calling ; the representative doing the initial contact stated my account [ XXXX ] is with their legal department, the day I contacted them the same line of inquires from the representative was deployed. I felt pressured and uncomfortable verifying my personal information before anyone would discuss this account. the tactics is an attempt to gather additional information on individuals. After this information was confirmed by me, and my financial status known the representative knowing my inability to pay the total amount informed me the only way I would be able to set-up arrangements was to make a deposit of {$710.00} at {$50.00} a month. Initially, I informed contact I realistically couldn't afford anything above {$25.00} a month. This company wants to set the terms and amount of any potential agreement. It's my understanding that The Fair Debt Collection Practices Act ( FDCPA ) says debt collectors can't harass, oppress, or abuse you or anyone else they contact.

Harassment by a debt collector can come in different forms. Examples include repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone ; obscene or profane language ; threats of violence or harm ; publishing lists of people who refuse to pay their debts ( this does not include reporting information to a credit reporting company ) ; and calling you without telling you who they are. I'm requesting fair treatment be granted, tradeline be removed from credit files and credit files be updated.
Consumer complaint received 2021-10-06
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (MD)

My credit report is STILL reporting inaccurate and incomplete information months after I have disputed and made these issues aware to not only the bureaus, but the creditors!!! Why are you guys not actually investigating these issues and you keep willfully reporting incorrect information on my credit report which is keeping me from doing so many things in my life!!! Why are you doing this to me?? 
JPMCB CARD XXXX XXXX XXXX Account # : XXXX XXXX There are at least 3 additional data fields that are reporting inaccurate across 2 bureaus Date of first delinquency is reporting inaccurately across 2 bureaus.

There is no notice of previous dispute.

The creditors name is truncated and unidentifiable. 
The account number is truncated and unidentifiable. 
The account has been charged off but, it is still reporting incorrect payment history.
Consumer complaint received 2020-12-05
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: DISCOVER BANK (IL)

I was set to travel with XXXX XXXX XXXX in late XXXX of this year. It was business class seats for two for XXXX dollars each. The first time in my life that I bought business class seats. My flight was canceled by COVID protocols. I understand these are not normal times but I do wish my tickets refunded as the flight was canceled nearly 6 months ago. 
I asked via XXXX website back on XX/XX/XXXX about the transaction but the automatic response did not help at all and I was forced to call. I was told I would get a refund shortly. Months passed and I used Discover  's dispute option as I did not fly with XXXX XXXX, get my money back, or even received a credit. 
The first dispute went in favor of XXXX XXXX and I called Discover back to escalate the situation in XXXX. The representative said they should escalate it because I did not get the goods or services I purchased. 
By XXXX I was told that they had still sided with XXXX XXXX because XXXX XXXX claimed it was XXXX 's fault and they need to issue the refund. 
I called XXXX back after the ruling and said they would look into it and I should get a refund by 8 weeks. 
I then called again on XX/XX/XXXX and they now state that they did not follow up on the issue after the first call for a chargeback in XXXX. 
However, they state it is XXXX XXXX who is supposed to pay. I once again tried to discuss this with Discover and they still ruled in favor of XXXX XXXX. 
I am running out of legal recourse other than calling a lawyer at this point. I have three companies fighting and no one who is not helping the consumer. I have tried to contact XXXX XXXX but the process will take 21 days to get to my email.
Consumer complaint received 2020-05-06
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)

I HAVE HAD THE TIME TO REVIEW MY CREDIT REPORT AND I HAVE FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT IS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND IS NOT RELATED TO ANY TRANSACTIONS THAT I HAVE EVER MADE. I HAVE ABSOLUTELY NO IDEA AS TO HOW AND WHEN THESE TRANSACTIONS TOOK PLACE AND WHEN THEY WERE PLACED ON MY CREDIT FILE. IT IS WITHOUT A DOUBT THAT MY PERSONAL INFORMATION GOT IN THE HANDS OF THE WRONG PERSON AND THAT PERSON WAS ABLE TO OBTAIN THESE ACCOUNTS USING MY IDENTITY BECAUSE THEY HAD MY INFORMATION. THIS SITUATION IS BEYOND ME AND IT IS CAUSING ME A GREAT DEED OF STRESS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE DEROGATORY ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2020-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (CA)

A charge to my Citibank account was made early 2020. It was for a flight to XXXX Ga, to cover the XXXX XXXXXXXX XXXX as a XXXX. This was a XXXX XXXX, transportation was paid for by my employer. ( They reimbursed me for the fee ) Covid-19 cancelled the tournament. I told Citibank the airline was refunding the fee, but the money had to go to the bank account on file. I talked to Citibank 3 times during the process, they said it would be taken care of. In fact, on the third call, Sunday, XX/XX/XXXX the rep from Citibank said this would be taken care of in three business days. Nothing. Today, XX/XX/XXXX, the company said it's not their policy to send back money, they reimbursed my account, end of story. It's not my money, it's not their money. They either lie to their customers to get them off the phone or chat or every rep is ignorant or a liar.
Consumer complaint received 2021-04-07
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. (MS)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2020-05-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo may be trying to scam American 's out of their money by creating false overdrafts. Why is the available account balance not shown at the time of each charge on statements? I call and they say something like, well I can't see what that balance was when you made that purchase. Charges had already showed as pending, adjusted my available balance, and future purchases were made after reviewing that balance, every time! Something is up here, they could be trying to bank on the fact that people won't complain due to pandemic difficulties and the fact that many didn't " work '' for the money. Bank blames it on retailer, retailer blames it on bank. 

Then they keep changing what the statement looks like. How did a charge from XXXX get divided in half! Weird, possibly criminal. Something is up, the fact that the statement changes and does not show available balance changes is suspect. 

The call to Wells Fargo Customer service was the last straw, the person tried to act like I am unable to see numbers and do math, as they quoted me some bunk math explanation.
Consumer complaint received 2020-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (IL)

Reviewed my credit report last month and is showing Sears-citibank as reported balance of XXXX + with all National Credit Bureaus. Prior to last month of viewing my report, I received letter from an agency asking for this alleged balance. Til date I have not received any validation of this balance upon request from this agency.
Consumer complaint received 2022-08-05
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)

Ive tried multiple times having these items remove from my consumer report and nothing has been done about it under the federal law it clearly states that I have a right to privacy as it is there grave responsibly well as they had no promissible purpose to furnish these my personal information has been put into the world. 
15 usc 1681b ( 2 ) - a consumer reporting agency may furnish a consumer report under the following in accordance with the written instructions of the consumer 15 usc 1681a ( 4 ) -congressional findings there is a need to insure agencies exercise their grave responsibility with fairness impartiality and respect for the consumer right to privacy