davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (OH)

I made a dispute last year regarding my account. My wife and I were traveling for business at the time and I noticed that some money had came up missing out of my account through XXXX XXXX. I immediately contacted chase when I became aware of it. I called in filed the dispute letting chase know that I was traveling for business and that I didnt know the person at all that the XXXX XXXX belonged 2 so the was filled and granted. My wife ended up getting sick so i didnt notice that theres were transactions that were missed and I assumed my financial institution would have done there part but to my utter dismay I was severely mistaken. When I called back in to the claims department the representative was understanding and even went over the other charges with me. Now they are refusing to approve that other transactions that the first representative missed. I escalated it to chase executive office but the Representative that was assigned to the case was rude and very unprofessional. When I asked to speak with his manager they never called. I called back in inquired about the call back from his manager because it had been about two weeks and I still didnt hear anything they informed me that his manager would reach out to me in 24 to 48hrs. Upon receiving a call back it was from the same rep that I was speaking with requesting a call back from his supervisor. He stated that he was calling on behalf of his manager, Also that the decision for the claim didnt change they still werent going to help me. After that I called back in requesting a call back from his manager again upon her calling back she wasnt helpful either. When I asked her for the approved transactions she gave them to me but they coincides with each other.
Consumer complaint received 2023-06-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ALLY FINANCIAL INC. (GA)

XXXX called XXXX XX/XX/23 and spent near an hour going over access to my Alley Stock trading account page we changed my password and used several different log in accounts including Ally secure log in site none of them were successful in opening my account web page. I could as in the past log in as normal, however still would not bring up my account page display. XXXX was to do internal Alley IT work to reestablish my account and call me back. i have not received a response and my attempts to log in this morning are the same, still no access to my account. 

Would appreciate if you would ask XXXX to give me a call. This is a great disappointment in more than six weeks no access to my account. Reflects badly on Ally. 

Sincerely, On XX/XX/23 XXXX XXXX, Ally Invest wrote : XXXX XXXX Dear -- -- -, XXXX XXXX Thank you for contacting Ally Invest. 
XXXX XXXX I am sorry for the difficulties you are having with this. I can confirm that the case has been entered for you and is being researched. Unfortunately, we are not able to give a time frame for this as we would need to determine the cause before being able to apply a fix for it. In the meantime, if you have not already done so, please try opening the account in XXXX. The website is optimized for XXXX, so that may clear it up for you. 
> > Please feel free to contact us at any time with any questions or comments you might have regarding your account or our website. We can be reached via this email address, through the Live Chat links on our website, or by phone at XXXX. We are here for you XXXX. 
XXXX XXXX Sincerely, XXXX XXXX XXXX Client Services XXXX Ally Invest XXXX XXXX XXXX XXXX, XXXX, NC XXXX > ( XXXX ) XXXX
Consumer complaint received 2022-09-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.
Consumer complaint received 2021-07-20
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: Experian Information Solutions Inc. (PA)

Experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Equifax and XXXX  have not accurately reported payments. Since XXXX, it appears on Equifax as closed when payments have been made consistently. 
This is in direct violation of fair and accurate FCRA reporting.
Consumer complaint received 2019-10-22
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Ability Recovery Services, LLC (NM)

Complaint ID XXXX XX/XX/19 : I was contacted by XXXX XXXX of Ability Recovery Services at XXXX XXXX XXXX, XXXX, PA XXXX. In the first phone call, she said the call was from a debt collector and told me the call would be recorded. She told be an amount over {$600.00}, which was to my knowledge, above the initial creditors amount due. I asked about it to which she responded that this is the amount due. I told her Id call the creditor, to which she said they will just have me call her back and hung up. I called back on the same date XX/XX/19, and the call was immediately answered by her, and without anything else she said, XXXX I have to call you back Im taking a payment. And she hung up on me. She called me back a couple minutes later and did not identify herself as a debt collector and that the call was being recorded. She was extremely rude, told me if I had just paid in the first place, continued to raise her voice, and claimed I was making demands when I was asking for the business name and address. I kindly asked for a validation of debt, and she said I was using stalling techniques and trying to make me feel as if I was being unreasonable in my request to ask for debt validation. I asked for the address and name of the business and was provided the information. She then began to say you dont have to be such a ... and then I couldnt hear anything else. I said excuse me, what did you say? And she says oh Im still here. She attempted to verify my address and couldnt say it because, per XXXX, she doesnt speak Spanish and claimed I was picking on her when I said that she couldnt pronounce it and was going to offer to pronounce it for her. 

He company responded saying : This matter has been removed from all credit reporting bureaus, as Consumer disputed this matter during the 30 validation period. We have requested the Itemized Bill for Consumer 's review. All Communication with Consumer has ceased. Once Consumer reviews the Itemized Bill, Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter. Thank you.

Communication has not ceased. On XX/XX/19 at XXXX MST, I got a phone call from XXXX XXXX, she left a message and did not disclose that it was a call from a debt collector, just that she was calling about my XXXX XXXX schooling. I have not received an itemized bill from the original creditor, and the matter was ADDED to my credit last week. Additionally, I was contacted again today XX/XX/19 by another person from this company at XXXX MST. 

I want the company to uphold their statement by sending me an itemized bill and ceasing communication. I will only communicate with them via mail. XXXX XXXX is also not identifying herself as a debt collector. I also want this debt immediately removed from the credit bureau ( as stated from the companys response ) as I am disputing this matter.
Consumer complaint received 2022-09-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC. (FL)

Exeter Finance and XXXX XXXX XXXX  XXXX have violated my federally protected rights. My signature was forged multiple times along with other violations on XX/XX/2022 and XX/XX/2022. I exercised my right to rescind and sent a notice of intent to arbitrate and my rights continue to be violated. TO MAKE MATTERS WORSE EXETER FINANCE shared my PERSONAL NONPUBLIC INFORMATION/PERSONAL IDENTIFYING INFORMATION with a 3rd party withOUT my consent pursuant 15 usc 6802. I WAS NOT ALLOWED TO OPT OUT DESPITE REQUESTING IT. My vehicle was repossessed WITHOUT an enforceable security interest. Pursuant 12 cfr 1026.23 I rescinded the security interest/signature/contract due to fraud on XX/XX/2022. Both Exeter Finance and XXXX XXXX XXXX XXXX have made aware of my dispute and rescission. I am currently in communication with XXXX XXXX, XXXX. My rights have been violated OVER AND OVER. Pursuant 12 cfr 1026.23 ( d ) Effects of rescission.

( 1 ) When a consumer rescinds a transaction, the security interest giving rise to the right of rescission becomes void and the consumer shall not be liable for any amount, including any finance charge.

( 2 ) Within 20 calendar days after receipt of a notice of rescission, the creditor shall return any money or property that has been given to anyone in connection with the transaction and shall take any action necessary to reflect the termination of the security interest.

( 3 ) If the creditor has delivered any money or property, the consumer may retain possession until the creditor has met its obligation under paragraph ( d ) ( 2 ) of this section. When the creditor has complied with that paragraph, the consumer shall tender the money or property to the creditor or, where the latter would be impracticable or inequitable, tender its reasonable value. At the consumer 's option, tender of property may be made at the location of the property or at the consumer 's residence. Tender of money must be made at the creditor 's designated place of business. If the creditor does not take possession of the money or property within 20 calendar days after the consumer 's tender, the consumer may keep it without further obligation.

( 4 ) The procedures outlined in paragraphs ( d ) ( 2 ) and ( 3 ) of this section may be modified by court order.

I demand my vehicle be returned to me immediately and these companies Cease and Desist their illegal activity.
Consumer complaint received 2022-09-07
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. (NC)

I sent letters out to all XXXX credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2019-02-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN HONDA FINANCE CORP (IL)

I did not sign up for this American Honda Finance Corporation account with the balance of {$3000.00}. I did not give anyone consent or authorization to use my information for this account. I did not benefit in any way from this account. This account is FRAUDULENT and is a result of IDENTITY THEFT. I have filed a police report with the XXXX Police Department, a FTC Report with the Federal Trade Commission. 

I disputed this fraudulent account with American Honda Finance Corporation several times and they keep denying it. Back in XX/XX/2014 I was a victim of Identity Theft when someone opened a XXXX XXXXXXXX Credit card, a XXXX account, rented furniture from the XXXX XXXX, and also financed a car in my name. American Honda Finance Corporation is the only company of the four that denied my request to have the fraudulent account removed from off my credit report. I filed a police report as well as a FTC report.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my countless endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX Date Opened : XX/XX/2011 Balance : {$0.00}
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

I am filing this formal dispute to demand immediate corrective action regarding several issues with my credit report and the mishandling of my accounts. I have been a victim of poor identification practices and fraud, and I expect the CFPB to take urgent measures to address these ongoing violations. 

Fraudulent Capital Account : A fraudulent account was opened in my name with XXXX in XXXX under the account number XXXX XXXX XXXX XXXX. I did not authorize this account, and I have repeatedly reported it as fraudulent. This account continues to negatively impact my credit, and no sufficient action has been taken to remove it. 

Valid Account Closure Due to Identification Errors : In XXXX, I opened a legitimate account under the number XXXX XXXX XXXX XXXX, which was wrongfully closed due to identification errors. This needs to be immediately corrected. I demand that proper attention be given to the account numbers to resolve this issue without further mistakes. It is unacceptable that my valid account was closed while fraudulent ones remain unresolved. 

XXXX XXXX Account with Incorrect Address : There is a XXXX XXXX account appearing on my report linked to an address at XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, a place I have never lived. The only correct address where I have resided is XXXX XXXX XXXX, XXXX, XXXX, and I have been at my current residence since XX/XX/XXXX. I paid the {$67.00} balance on this XXXX XXXX account without fully examining my report, but this was not an account I opened. This fraudulent account must be removed from my credit report immediately. 

Hard Inquiries : All hard inquiries on my credit report must be removed, as I have since frozen my credit reports due to these fraudulent activities. These unauthorized inquiries have further damaged my credit, and their continued presence violates my rights. 

Experian has repeatedly failed to comply with my requests and continues to allow false information to remain on my credit report. This blatant disregard for accuracy and compliance with the Fair Credit Reporting Act ( FCRA ) is intolerable. I demand immediate corrective action and removal of all fraudulent accounts, incorrect addresses, and unauthorized inquiries. 

I expect this matter to be resolved immediately. Failure to address these issues will result in further escalation, including legal action if necessary. 

Please confirm receipt of this dispute and provide written confirmation of the steps taken to resolve these matters as soon as possible.
Consumer complaint received 2022-09-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (MT)

On XX/XX/2022 I initiated a wire transfer from my Wells Fargo account to my bank account at XXXX in XXXX. My identity was confirmed via text message to the phone number associated with my account. The same day I received XXXX messages from Wells Fargo stating that my wire transfer was confirmed and initiated. Later I received a message stating that I no longer have online access to my account and must call a 1 800 number that can not be called from outside the XXXX. The loss of online access is the subject of a separate complaint pending with CFPB, and although I have communicated to Wells Fargo that I can not call the designated number, both through my account designated phone number, and by calling and emailing various other international numbers and emails. 

The new complaint concerns the belated cancellation of my wire transfer several days after it had been confirmed. ( The previous complaint concerns the loss of online access and refusal to provide any way for me to do as required to rectify that situation. ) On XX/XX/XXXX I received an email stating that my wire transfer was cancelled. I now have essentially no funds in my XXXX account and pending direct debits will not be paid. I will no doubt lose related phone, utility and other services, and probably my XXXX account itself. I was led to believe that although I lost online access my previously approved wire transfer had been made. 

This is my 4th complaint this year. One thing they all have in common is Wells Fargo making it impossible to communicate to them in the required manner and thus providing no recourse other than CFPB.
Consumer complaint received 2022-09-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NC)

We were victims of fraud, both XXXX and XXXX. The fraud department agrees with the XXXX claims ( about 10different transactions ) but the wire fraud department says it is our fault. Some background, I received a call from someone claiming to be Wells Fargo fraud, the same way the actual fraud department called me. The fraud used the same phone numbers, text numbers and even used the same script their fraud department uses. As part of the verification process they texted me a code, from a valid phone # that I had history of receiving validation codes from, and that is apparently all they need. The wire fraud has denied our claim of {$5000.00}. 
1 ) how can two different fraud departments issue different judgements?

2 ) is Wells Fargo responsible for the fact that their phone # s are being used to perpetuate fraud? 
3 ) what is my recourse, the wire fraud department said they already appealed it to their appeals department and they also denied it as fraud. How is that possible and fair? 

Thank you for your help
Consumer complaint received 2022-09-07
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. (NJ)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2021-03-05
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: SYNCHRONY FINANCIAL (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the XXXX and SYNCB Network and SYNCB/XXXX The Account Opened is SYNCB Network Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$25000.00}. The Account Opened is SYNCB/XXXX Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.