davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

on XX/XX/XXXX, I went to wells Fargo branch in XXXX, FL, to put an alert on my account to prevent frauds and for them to take extra precaution with Withdrawal because my driver 's license and wells fargo debit card were stolen on XX/XX/XXXX when someone broke my car window and stole my bag. That same day on XXXX, XXXX, XXXX, I called wells fargo and requested that my debit card to be cancelled and told them what had happened that the police found out that my car was broken into. However, on XX/XX/XXXX, a fraudulent withdraw of XXXX dollars was made on my checking account at one of Wells Fargo 's branch in XXXX Florida, on XXXX XXXX XXXX, XXXX, FL XXXX. 

when i found out on XX/XX/XXXX that a fraudulent withdraw was made on my checking account, i called the bank and explain the situation, they stated that it was unusual because i have an alert on the account, and there should have been extra steps of verification. I went to the branch that afternoon on XX/XX/XXXX to see a manager. they would not let me see a manager, but was told this should not have happened with your license because the alert clearly states that your drivers license was stolen and needed extra verification. 

on XX/XX/XXXX, Wells Fargo concluded that they will not reimburse me my money without proper investigation stating that my signature on file matches signature on the item in question, and a state issued ID, the stolen drivers license was used as identification in the transaction, therefore, i will not reimburse. 

I am filing a complaint against Wells Fargo for their negligence in handling my money and their lack of investigation in coming to a resolution, and in the process calling me a liar by stating that my signature matches my stolen ID, essentially telling me I made a false claim. I want Wells Fargo from now on, to do thourough investigation in instances like these, such as reviewing footages from their branches and to do proper background in people they are hiring to deal with people 's hard earned money. 

Above all, I want my money back with an apology for denying my claim without properly investigated the claim. I want Wells Fargo to be held accountable for how they handle my money and how they treated me. I have made several trips to the bank where the fraudulent transaction happened, spoke to several agents on the customer service lines with no results. I have yelled, screamed and highly stressed because of how wells fargo handled my case. I have been on the phone with the police more than i can count. I should not be the one investigating my case when this happened at the branch ; I frankly feel this is internal fraud.
Consumer complaint received 2022-05-04
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: JPMORGAN CHASE & CO. (NJ)

Chase auto finance. I extended my lease with them and I wan na buy the car. I had some medical issues and I became a little bit behind. last Monday I paid {$810.00} and {$270.00}. Total of {$1000.00}. before that I called and spoke to XXXX and he gave me paperwork to extend by my car out. Told me what to do so I did it. I mailed the paperwork back. The lady XXXX from the call center continues to call me. I had enough I spoke to supervisor XXXX who is very incompetent. Told her all the paperwork was mailed out I want to buy the car leave me alone. Give me whatever I need to fill out. They are uneducated people that wont help you. When I asked to speak to her supervisor she refused. I want to buy the car out and Im getting nowhere with anybody with Chase. I am a healthcare professional I dont work in a call center. I dealt with sick people during the height of Covid. They work at a call center work from home. Theyre not my cup of tea and they need to learn customer service. She needs to learn how to speak to people and not leave messages and know how to read the notes in the system
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I AM A XXXX XXXX XXXX XXXX VICTIM OF ID THEFT. XX/XX/2020 I recieved XXXX  Notice of Investigation into USAA ACCOUNT DEBT FTC ID THEFT ( see attatched report ) case XXXX VERIFYING WRITTEN DOCUMENTATION SIGNATURE & XXXX LICENSE TO VERIFY I OPENED THIS ACCOUNT.??? SUDDENLY XX/XX/2020 USAA STOPS VERIFYING ME USING MY INSURANCE DATA SERVICES PROFILE AS THEY HAVE BEEN DOING THE PAST 35 YEARS.?? SUDDENLY USAA DEMANDS MY DRIVERS LICENSE WHAT? HUH? WHY? TO RECOVER A PROFILE ON ACCOUNT I HAVE CONFIRMED I DID NOT OPEN?? VERY SUSPICIOUS USAA. MY COMPLAINT IS USAA IS DEMANDING I RECOVER A PROFILE NOT MY ACCOUNT. I DO NOT TRUST USAA. ( ** HOW SNEAKY JUST AFTER XXXX  WILL BE REQUESTING DOCUMENTATION FROM USAA, USAA REQUESTS DOCUMENTATION FROM ME * THEY HAVE NOT NEEDED PREVIOUSLY?? ) AGAIN WHY WOULD I WANT TO APPEAR I DID OPEN AN ACCOUNT I DID NOT OPEN?
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The three Major credit bureaus have FRAUDULENTLY ACCEPTED MY SOCIAL SECURITY NUMBER! from parties! Without my consent or without LAWFUL authority! I'm asking that the three Major credit bureaus show me the Lawful authority according to the Constitution. They they have to have or report anything having to do with my social security number. As well as the consent I gave them to report anything ...
Consumer complaint received 2020-05-14
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Contacted Capital One Auto Financing about the loan on my vehicle because it is reporting closed on the credit report but I am still making payments on the vehicle. I am unable to log into the system to make payments and times I have called they said I did not have to make the payments if I did not want to. The customer service reps have told me that the account was a part of my bankruptcy and that the account was never re-affirmed by the attorney.
Consumer complaint received 2021-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Got a buyer for my furniture from the XXXX XXXX. The gave me their phone number to co-ordinate the purchase ph : XXXX XXXX XXXX. The check they sent me was substantially higher than the the amount agreed on the furniture and they said their assistant made a mistake. After the check appeared to be deposited, they claimed that their movers needed the remaining payment and asked me to XXXX the movers the extra amount ( {$2000.00} ) amount so they could have the furniture picked up. As soon as I did so, their bank account was closed and the check bounced ( {$2400.00} ). Their phone number is also deactivated. 
XXXX info : name : XXXX email : XXXX XXXX
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I requested my credit report which i received. I disputed some errors which were corrected such as incorrect names and addresses. I also noticed four erroneous alleged debts on my credit report which is damaging my credit worthiness substantially. I asked that these alleged debts be validated and provide me a signed contract from the debt collectors reporting this alleged debts from Trans Union. I have not received any copies of requested documents as previously asked. Secondly, I requested Trans Union to provide the procedures used to validate these alleged debts on my credit report as well and they have not provided me with the proper documentation as requested.
Consumer complaint received 2022-04-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC. (UT)

My ex-husband owns the vehicle. He pressured me into being a CO-Signer for him while we were still married. I found out a couple of months later that I was added by the dealership as the main account holder. I tried to get that taken care of but Ally Financial refuses to help me. After our divorce in XX/XX/2021, my ex husband was awarded the car and took FULL responsibility of the vehicle and it was approved through the courts. Him and I both contacted Ally financial to show proof of that from our court papers and they refused to look at them. I am not supposed to be on the vehicle at all at this point but nobody is willing to help me.
Consumer complaint received 2022-04-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Millco Management (FL)

This has been an ongoing issue with Amerifinancial for acct # XXXX {$1100.00} acct # XXXX also {$1100.00} I have repeatedly advised you this account doesnt belong to me yet your still reporting it. I even took the time out of my schedule to mail you my affidavit and your still reporting this account. For purposes for record Ive attached a copy of a return receipt indicating that this letter was received and signed for on XX/XX/22 please remove this account from my profile immediately
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED, US DEPT ED, US DEPT ED, XXXX, XXXX,  XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-14
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: CREDIT ACCEPTANCE CORPORATION (CA)

Accounts belong to twin brother 1.XXXX XXXX online account charge off account Not My Account 2.XXXX XXXX XXXX Late Payments, Not My Account 3.XXXX Charge off Not My Account 4.XXXX XXXX XXXX XXXX Not My Account.

I Recently settled with a XXXX XXXX bill that was opened in XX/XX/XXXXand closed in XXXX and was later bought XXXX in XXXX placed in the credit bureaus. XXXX  is Notorious for allowing ghost debt to appear on your credit report after the statutory time limit for old/bad debt to reappear on your account even after disputing. ( Collection agencies WINS ) Due to these circumstances after consistently paying my bills on time, My credit score has not reached XXXX keeping in in the mid 400s XXXX  does not integrity and does not strive to help consumers maintain and keep credit up to date. What debt collectors report XXXX  reports, and we as consumers have to go and dispute and wait for responses while credit sits in a derogatory status. I have repeatedly asked XXXX and the debt collectors to provide me with the last billing statement and dates, they have not and will not provide the information. I am working on bringing my score up, paying what I owe and keeping credit in great status, however XXXX  refuses to keep credit status up to date and current.
Consumer complaint received 2022-06-25
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. (SC)

In accordance with fair credit reporting act XXXX XXXXccount XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights to privacy.

15 U.S.C.1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instruction. 


Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Balance {$450.00} Highest Balance {$450.00} Opened XXXX. XXXX, XXXX ( XXXX yr ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX XXXX Closed No Info
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IL)

I, XXXX XXXX, a federally protected consumer, am making this complaint against Equifax for continuing to report inaccurate information on my consumer report. After submitting a complaint against XXXX XXXX on XX/XX/2022, XXXX XXXX granted my request for removal and deletion of the alleged debt on all reporting agencies, of which the deletion was granted on XXXX on XX/XX/2022 ( attached screenshot labeled as Exhibit A ) and XXXX. After viewing my consumer report from Equifax I noticed that this account is still being furnished on my consumer report, attachment labeled Exhibit B. After attempting to settle this issue with Equifax to request that they correct the errors that they are reporting on my consumer report, I noticed that this same account is unable to be disputed, attachment labeled Exhibit C. According to the FCRA XXXX everything has to be 100 % accurate on my consumer report. With the evidence provided, it clearly shows that Equifax is indeed furnishing false and inaccurate information on my consumer report and this is definitely grounds for deletion/removal. I am demanding that Equifax correct this error immediately due to causing me and my financial reputation harm.
Consumer complaint received 2022-08-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Nelson and Kennard (CA)

XX/XX/XXXX-NELSON & KENNARD, XXXX XXXX XXXX XXXX XXXX XXXX SENT A LETTER TRYING TO COLLECT DEBT FOR XXXX XXXX FOR THE AMOUNT OF XXXX ... XX/XX/XXXX-I SENT A LETTER ASKING  TO VALIDATE THE DEBT ... XX/XX/XXXX NELSON & KENNARD SENT LETTER WITH INTENT TO FILE SUIT WITHOUT EVEN FIRST VALIDATING THE DEBT AS REQUESTED ON XX/XX/XXXX.... AS TO TODAY, XX/XX/XXXX, IT HAS BEEN MORE THAN 30 DAYS.  I STILL HAVE NOT RECEIVED ANY DOCUMENTS VALIDATING THE DEBT SINCE I REQUESTED IT ON XX/XX/XXXX.  THE DEBT IS UNVERIFIABLE BECAUSE NELSON & KENNARD DID NOT RESPOND WITHIN 30 DAYS.  I WANT NELSON & KENNARD TO CEASE ALL REPORTING AND CEASE ALL COLLECTION EFFORTS OF THE DEBT IMMEDIATELY.  I WANT NELSON & KENNARD TO NOW FILE SUIT.  I ALSO REQUEST TO HAVE THIS DEBT DELETED FROM MY CREDIT REPORT IMMEDIATELY... REFERENCE NUMBER XXXX
Consumer complaint received 2022-04-14
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. (CA)

I received correspondence from a Macy 's Account Executive by the name of XXXX XXXX, who informed me that my social security number, my license, and my mailing address had been submitted to Macy 's for an application, along with a signature, therefore they do not believe the account was opened fraudulently. I called him at the number listed in the letter, and left a voicemail stating that my ex would have easily had access to ALL of those items and more, given that we were together for years. He has not bothered to call me back. He also flat out lied, claiming that the Macy 's rep did not assure me that paying off my ex 's debt would be the path of least resistance to both getting the negative remark removed from my account, as well as closing the account in full ( neither of which happened ). That phone call DID happen, but Macy 's did not close the account. Macy 's opted to lie further about what was promised initially. And Macy 's refuses to listen to me when I tell them I did not sign anything, I did not authorize my ID being used to open this account, and I did not give my social. Again, my ex had access to all of this. In fact, my signature is even saved virtually on my computer in XXXX XXXX XXXX XXXX. Everything was in his reach. The address they provided belonged to my ex. I am in XXXX California, the address given is in Hawaii. I don't understand why they are refusing to acknowledge that I did not apply for this account myself. I want the negative remarks removed. And I want the account FINALLY CLOSED or have myself removed FROM it. I have a sneaking suspicion that they can't close it without my ex 's permission, which is indicative of the fact the he is the primary account holder or he needed to use my information to open the account because he would not have been approved on his own. I was not even aware that my information was being used until I received a credit alert. I don't check my credit report unless I am notified of issues, which I was.
Consumer complaint received 2019-09-14
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 owed us Dept if education {$1500.00}. I made payments monthly and made the final payment if {$260.00} in XX/XX/2019 where the account was paid in full. The status was reported to all 3 credit bureaus as paid ( equifax, XXXX and XXXX XXXX ). In early XXXX the account went back to me owing {$560.00} and is still in collection with Equifax and my credit score dropped by 40+ points. I disputed with Equifax and called US Dept Ed. The dispute was closed with the inaccurate information again so I filed a new dispute with XXXX Equifax and US Dept of Ed. Ive done this 3 times in the last 2 1/2 months and the issue is still not resolved.
Consumer complaint received 2022-03-02
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. (DE)

" 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 2021-12-22
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: JPMORGAN CHASE & CO. (DE)

I ordered clothes from XXXX online that was supposed to be delivered to my home. Due to renovations at our home, we were relocated and I reached out to Free People to request that they have our package held at the local FedEx to avoid the package being stolen. XXXX XXXX customer service promised the packages would be held at the local office but the packages were delivered to our home anyway. When I told XXXX XXXX XXXXhat the packages were delivered and we werent home, they told me that I needed to go through my home owners insurance to pay for the missing package. I then disputed this charge through Chase four times and provided text message proof of the conversation where XXXX XXXX promised not to have the packages delivered to our home. We also advised Chase that we never received the merchandise. Chase declined every dispute saying they dont see anything wrong and theres no reason to refund the purchase.
Consumer complaint received 2022-06-25
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. (SC)

In accordance with fair credit reporting act XXXX account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights to privacy.

15 U.S.C.1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instruction. 
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Balance {$660.00} Highest Balance {$660.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status Open Type No Info Responsibility Individual Account. 
Remarks Collection account Original Creditor Name No Info Closed No Info