davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (AZ)

I was a member of Sam 's Club in XXXX, AZ for 1-year from XX/XX/XXXX through XX/XX/XXXX. I got a Sam 's Club Visa card through Synchrony Bank that gave me cashback rewards at Sam 's Club for using the card. My latest credit card statement shows I have a {$41.00} credit. 
I sold my home in XXXX and moved away from the Sam 's Club store such that it did not make sense to renew my Sam 's Club membership. 
I called Synchrony Bank on XX/XX/XXXX and asked how I get the {$41.00} cashback I'm due. They told me to stop at Sam 's Club and they would give me the cash. I stopped at Sam 's Club on XX/XX/XXXX. They said they would be very willing to give me the cash back ; but Synchrony Bank had not entered the credit in the computer. They gave me Synchrony 's phone number and told me to request that they enter the credit in the computer system. 
I called Synchrony Bank on XX/XX/XXXX speaking to XXXX and later his supervisor, XXXX. Both told me the cashback is only redeemable once-a-year in XXXX ; but they also said I would not be eligible to get the money because I am not still a Sam 's Club member. They said that is Sam 's Club 's policy. I argued that Sam 's was VERY willing to give me the cashback if Synchrony simply entered it in the computer. Sam 's Club even gave me Synchrony 's phone number. 
Both XXXX and later XXXX repeated the same story again. I asked them ; " so, you just cheat people out of the money you promised them? '' They insisted on making Sam 's Club the bad guy. I kept insisting Sam 's Club is VERY willing to do the right thing if they simply enter the credit in the computer. They kept saying, " No, they would not do that. 
What can the CFPB do to help me?
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Paypal Holdings, Inc ()

hello, dates : XX/XX/XXXX XXXX, 2022 company : PayPal Holdings , Inc. 
website : paypal.com hello, i have problem with my paypal account. they ban permanent my account without confirm or notification. at XXXX XXXX, they need to input some information from me like goverment card, bank, etc. but i didnt get reason or anything after that. after some days, i checked my account and i got ban permanently. 

i think i didnt do violation of TOS or anything. i just use my paypal to received money from XXXX and XXXX. my paypal account age was almost 10 years. 

thanks
Consumer complaint received 2021-01-04
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: JPMORGAN CHASE & CO. (AR)

I was charged XXXX ( my entire credit line ) by a merchant that I, at the time, had never heard of. I have never attempted to charge my entire credit line. I was not notified in any way by Chase that my credit card was trying to make an XXXX ONLINE PURCHASE. I would have NEVER approved of that. 
I filed my dispute to Chase on XX/XX/2020 while the charge in question was still pending. The representative that helped me sent a new card. My balance was back to the correct amounts, and everything appeared to have been resolved. 
On XX/XX/2020, I received notice from Chase that the chargeback was reversed, and that I was responsible for {$8000.00}. I immediately called Chase again. ( I never found a phone number for the merchant, and they still have not responded to any of the emails I have sent to their support team. ) The representative from Chase I spoke to this time stated I was responsible due to an IP Address matching an old phone that I no longer possess, and haven't for many years. IP Addresses get hacked all the time, and they also do not identify a person. It identifies a device, in which case, can also be faked or masked using software. 
Others that have banked and used credit cards with JP Morgan Chase have had this same problem, and were protected by Chase. I feel that I am being treated differently. This apparently happens so often that there are many news reports about it, and Chase didn't treat me the same. I have never missed a payment on any of my accounts. 
After reviewing all of my financial statements, I found a deposit from the same merchant on my checking account in the amount of {$3500.00} on XX/XX/2020, and have tried contacting PredictIt regarding this deposit that I did not authorize or request. ( no phone number, email only ). The {$3500.00} is still currently in the account due to not knowing how they wanting to fix the issue. 
There is still {$4400.00} that the merchant has not refunded to me. I did not authorize any service from this merchant to be charged to my card to begin with, nor did I create the account on their website. The support team finally responded to my email and closed the fraudulent account. I sent evidence to Chase confirming the fraudulent account was not created by me, and had been closed. Chase still made me responsible for the fraudlent charge. I still have the money from the fraud deposit and thought they would take it and make things right.
Consumer complaint received 2021-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (UT)

My credit report shows an inquiry was done on my credit report by SYNCB/SAM 'S XXXX. I have not authorized any company to check my credit report and not have applied for any credit or other situation that would require a credit check.
Consumer complaint received 2021-01-04
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)

I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. This company is very unprofessional! I also sent them a copy of the police report. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. 

I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2022-10-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (NC)

I purchased a prepaid PayPal Mastercard on XXXX for {$110.00} of which {$2.00} was the stores service fee. An additional {$4.00} was charged as PayPals monthly fee. This left a total available balance on the card of {$110.00} and this was confirmed with PayPal. On XXXX XXXX, 2022 I attempted an online purchase for the amount of {$100.00} and the card was declined. I called PayPal customer service and questioned why the card was declined even though there was more than enough and I was not given an answer, just the suggestion that I deposit more money on the account. I told the rep there was no way I was going to do that because the monthly fee had already been taken out four days prior. I then asked to get all my money back and this was refused. I hope people read this because this is blatant theft and this company gets away with it.
Consumer complaint received 2022-10-10
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. (PA)

THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATION BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCUARTE, THE DATE LAST ACTIVE IS INACCURATE, AND DATE LAST REPORTED IS NOT ACCURATE. THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2019-07-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (FL)

My problem is with XXXX XXXX, I finance a car with Ally in XXXX ( XXXX ) I was in a car crash in XX/XX/XXXX, my car was total lost. I did purchase a umbrella insurance with my financial manager from XXXX XXXX, XXXX Pay his part, the umbrella insurance pay his part and XXXX XXXX have to return back to Ally finance {$860.00} to finish to pay the car. I be trying to get this pay sence XX/XX/XXXX. They keep telling me the check was send when I call Ally they telling me is not true, in XX/XX/XXXX Ally made a 3 way call with them and we are told check will be made the week, so ally told me if they dont receive anything in 10 days they will let me know. So I have to go back a couple times to the dealer, every time they send me to different people and they promise me to have the problem fix and after that this person never call me back or return my calls. 3 weeks ago mr.XXXX XXXX told me they send the check, and like always is not true. I request a copy of the check send and like before they are not taking my calls anymore. They told me I was responsible any way for my car payment, I understand that, I was never late in one car payment, but I was inform by the insurance not to pay because the dealer can not cut the check in my name they only can send the check to Ally finance. And Ally was suppose to send the rest to me, sence at the time was only {$410.00} left to pay to Ally. Because of this problem My credit report was destroyed and my father as my co sign. The only think I request is for XXXX XXXX to be more responsible and pay what the own. I do have all the paper work as proof if I need to send anywhere. And all the names of people giving me the running around at the dealer. Sence I have to work full time, I cant go to the dealer everyday. And when I do have time I get very mistreated, Mr .XXXX even told me he dont like people like me, I told him was very rude of him talk to me that way because he doesnt know me. Please help me.
Consumer complaint received 2021-01-04
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. (NJ)

XXXX XXXX, AND EQUIFAX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.
Consumer complaint received 2019-07-14
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: BARCLAYS BANK DELAWARE (CA)

There was fraudulent activity on my XXXX account that occurred late in XX/XX/2019. The 5 charges that went through were : POSTED TRANSACTIONS REWARDS VIEW ALL XX/XX/2019 XXXX XXXX {$1.00} Additional details for transaction on XX/XX/2019 titled XXXX for amount XXXX XX/XX/2019 XXXX # XXXX XXXX {$4.00} Additional details for transaction on XX/XX/2019 titled XXXX # XXXX for amount XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX {$21.00} Additional details for transaction on XX/XX/2019 titled XXXX XXXX XXXX XXXX XXXX for amount XXXX XX/XX/2019 XXXX XXXX XXXX {$20.00} Additional details for transaction on XX/XX/2019 titled XXXX XXXX for amount XXXX XX/XX/2019 XXXX XXXX # XXXX XXXX {$260.00} Additional details for transaction on XX/XX/2019 titled XXXX XXXX # XXXX for amount XXXX For a total of {$310.00}. I did not make any of these transactions. I contacted XXXX and informed them of what had happened. I destroyed my credit card after I used the card to finance my XXXX XXXX from XXXX which was nearly 2 years ago.
Consumer complaint received 2019-07-15
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. (AR)

I HAD 2 COLLECTIONS ON MY CREDIT REPORTS AND TRIED 4 TIMES TO GET THE ITEMS REMOVED FROM EQUIFAX BUT EXQUIFAX REFUSES TO REMOVE THE ITEMS. TXXXX AND XXXX REMOVED THE ITEMS ON MY FIRST ATTEMPT WRITING TO THEM. 
EQUIFAX REFUSES TO REMOVE THE ITEMS I DEMANDED TO RECEIVE VERIFABLE PROOF 4 TIMES FROM EQUIFAX BUT EQUIFAX REFUSES TO COMPLY WITH FEDERAL LAW. ALL EQUIFAX SAYS IS THAT IT WAS VERIFIED. THE TWO ITEM I WANTED REMOVED WAS XXXX XXXX THAT WAS REPORTING A BILL FROM XXXX XXXX FOR XXXX DOLLARS. THE SECOND ITEM WAS FROM XXXX XXXX XXXX REPORTING A BILL FROM XXXX XXXX FOR XXXX DOLLARS.
Consumer complaint received 2021-01-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: M&T BANK CORPORATION (NY)

I cosigned for an auto loan with M & T Bank with my brother XXXX XXXX. After he got his statement in the mail, he called in to set up auto bill pay. After that, they did not send any confirmation about scheduled payments so we thought we were all set. A few weeks later, I got a call that the account was past due. My brother called in to make a payment over the phone, they told him the auto payment was having issues because of XXXX. So, my brother made a payment using Routing/Acct # over the phone. He then called XXXX and they said there were no issues on their end as far as auto bill pay goes. Then, weeks later, I got a notice from XXXX XXXX that my score went down due to a late payment on the account. At this point, no payment had posted. The customer service told us the autopay had failed and the phone payment failed and told us to contact XXXX again. They claimed the issue was not on their end. At this point, both myself and my brother had our credit scores drop substantially. That Monday, my brother made a cash payment of {$1000.00} at the branch. A month later, for the next payment, he called in and tried making a phone payment with Account and Routing # 's and once again it did not post. According to the statement from M & T mailed to us, the payments posted but then there was something called a " Payment Reversal. '' I went online to try to pay the bill that way. I created an online portal for M & T and then when I tried to pay the bill, it told me I needed a M & T Bank checking account in order to do online bill pay. I went ahead and created one, but then my only option for transferring funds to it was to make a deposit at a branch or do a debit card deposit which had a limit of {$250.00}. There was no way to transfer funds from one account to the other. This means, my only option would be to deposit a check or cash in person at the branch. In essence, M & T Bank forces you to open a whole new checking account with them to make payments. I looked online and on Consumer Affairs there are many people with the same story as me. M & T Bank purposefully makes it nearly impossible to make payments unless you have a Checking account with them. Even if you do have one, you can only add funds through a branch deposit or debit card with a {$250.00} limit. I strongly believe M & T Bank lied to us about the payments not going through and it was done on purpose to force us into opening another account with them. This led us to ultimately refinancing, however my credit score is now in the low 600 's so I had to have someone else cosign for my brother. M & T Bank did not process our payments correctly numerous times, and now my brother and I have bad credit.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 


XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-03
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: EQUIFAX, INC. (CA)

I have repeatedly sent them the paperwork of a lawsuit that shows this info should be deleted off my credit report and not report at all. I sent them paperwork where the other reporting agencies deleted it but this agency refusing to delete and keep changing information and hurting my credit score
Consumer complaint received 2022-10-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TN)

My account has been permanent limited, i dont know what happend. 

I never been involve in any dispute or fraud activity. 

I wish to get help is anybody will able to help me fix any issue XXXX Please help me
Consumer complaint received 2020-12-28
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 letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2021-01-03
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA (FL)

In reference to the multiple letters sent, I am disputing the total charges due to the fact that Hyundai Motor Finance is unethically conducting business. I paid {$600.00} to Hyundai Motor Finance. Also, the third-party insurance was sold to me by your authorized XXXX  Dealership and again the money was collected by Hyundai Motor Finance. We paid all monthly lease term payments on time, which is evident that we are orderly and organized when it comes to payments. Once I returned the car, I called Hyundai Motor Finance to receive an inspection kit, in order to file a claim with XXXX XXXX XXXX XXXX. We also forwarded the email to the insurance company on XX/XX/2020. 
Call Log : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( XXXXXXXX XXXX  ) to XXXX XX/XX/XXXX ( XXXX XXXX ) to XXXX XX/XX/XXXX ( XXXX XXXX ) to XXXX XXXX Hyundai Motor Finance failed to provide the inspection kit multiple times and the reason they failed to send it was because, according to them, there was a delay because of COVID-19. In reference to the call log mentioned above, I essentially chased Hyundai Motor Finance to provide the inspection kit. I also called the insurance company but they told me I can not file a claim unless I have the kit to provide to them. Now I understand why Hyundai Motor Finance is unethically doing business because it seems like they are purposely delaying the information I need to provide the claim. According to the insurance policy, the claim has to be filed within 90 days after the car has been returned. Again, mentioned above, the car was returned on XX/XX/2020, meaning it's been six months since Ive tried to receive an inspection kit from XXXX.
Consumer complaint received 2019-07-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ray Klein, Inc. (KS)

I have an amount of {$540.00} owed to a credit union bank, which was my job bank card for direct deposits, the total amount was around {$350.00} that was owed to the bank that I was unaware of. It was sent to collections, XXXX I agreed to make {$50.00} installments monthly to Professional credit services, with the promise of agreed to pay, and deleting the collections off my credit report, my credit has been updgraded 5 months after, and I have called seeing a balance of {$300.00} left on there and it still shows my amount is {$540.00} and not paid.
Consumer complaint received 2021-08-17
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)

im filing this complaint because I have been a victim of identity theft. I am a protected consumer and would like your assistance in removing misleading information from my credit report at it is ruining my reputation. 

attached is my identity theft report, along with supporting evidence.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (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 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 XXXX XXXX Balance : {$430.00} ; XXXX XXXX Balance : {$3300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$300.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX Balance : {$330.00} ; XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy XXXX # : XXXX ; XXXX XXXX ; XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX