davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (AZ)

I was in process of buying a home and my mom had sent me {$10000.00} on XX/XX/2022 to help with the down payment and closing costs in the form of a regular bank transfer. The mortgage lender had already verified all of my funds and the loan was clear to close on XXXX. On the day of funding, XX/XX/2022 I set up wiring instructions with Ally bank to wire the money to the title company so that they can record it and my loan would close out. 

I successfully put in the wiring instructions and got multiple email confirmations of it from Ally. Out of nowhere, I get an email from the bank 's " loss prevention '' department asking me to call them. I call them, and they begin questioning my deposit, saying that the deposit " didn't have my name on it '', but instead read " XXXX XXXX ''. I explained to them that my mom sent me gift funds for my real estate transaction. They said they needed to verify that those funds did in fact belong to me. 

My concern is, why did they wait until they realized that they were losing {$10000.00} to decide that they wanted to " investigate '' my banking activity? They had over a week and a half to question me about my " suspicious activity '' but waited until they saw that I was transferring money out of my account with them to question it. The last time I spoke with them they were telling me it could take up to 90 days to straighten this situation out. I don't have 90 days to wait for them to give me my money back! 

They now have me locked out of my account and will not release my funds to the title company. I'm facing losing the home that I was supposed to close on and losing my earnest money deposit. This is clearly bank fraud. I clearly explained to them where the money came from and why it was there, and why it was leaving. All of this information was verified by the lender. 

It's my belief that Ally bank blocked the transaction from going through and is not allowing me to access my money because they fear a decline in their company 's balance. They have caused serious injury to me and my family and their practices need to be investigated.
Consumer complaint received 2022-07-29
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right 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 instructions.
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: EQUIFAX, INC. (FL)

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : it also states consumer reporting agencies can not furnish an account without my written instructions.
Consumer complaint received 2022-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (SC)

There was fraud on my Wells Fargo account after XX/XX/2021 Ive filed the disputes for each transaction that was unauthorized and I also given the bank supporting evidence to provide me a provisional credit within the ten business days I was told my account would be provisional credited. At this point they are not trying to issue me a refund of XXXX back to my account my name is XXXX XXXX XXXX XXXX and this fraud token place in 2021 and I still havent received my reimbursement at all. So I would diligently appreciate if someone can help me receive my pain and suffering of this horrible predicament thank you
Consumer complaint received 2022-07-29
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right 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 instructions.
Consumer complaint received 2018-12-18
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. (TX)

On XX/XX/XXXX I initially filed a dispute for the XX/XX/XXXX Charge from the XXXX XXXX for {$250.00} as I did not stay at the hotel the date of the charge XX/XX/XXXX. One of the hotel managers XXXX XXXX had canceled my stay due to issues with the hotel not providing services as agreed, not providing a reserved room or honoring the best rate guarantee. I provided my correspondence with the hotel general manager,  the original reservation showing an 839sq ft cool corner suite reserved which was not provided. Additionally, I provided information showing the XXXX XXXX was not honored either. All of these issues led to the hotel and I deciding to cancel the stay. 
On a letter dated XX/XX/XXXX Chase states they sent me a letter requesting more information. This letter requested information which had already been provided when initiating the dispute. Thus despite having not fulfilled the reservation, been a guest of the property and providing evidence to my claims, Chase still found the charge valid. As I was not a guest at the property there should be no charge, especially if the reservation is canceled by the hotel themselves. In this regard, Chase failed to adequately investigate or provide a compelling reason or documentation as to why the charge is valid.
Consumer complaint received 2021-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NY)

i had several instances of fraud at chime bank. they denied both of the claims. The first was two transfers from my bank to another outside account ( XXXX and XXXX ). I caught this in time but when they tried to idenify me they said my birthday was wrong and could not do anything til II send in my id and get it corrected. I never before had this problem. I immesiuately sent it in but the time it took them to change the date ( 48 hrs later ). The transfers went through and allI could do was dispute the transaction, which I did. Around the same time someone took my debit card out of my mailbox and activated it and charged and took out cash ( XXXX ). They denied this dispute as well. I appealed both to no good result and when I kept trying to provide additional info they closed my account.
Consumer complaint received 2018-12-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (CA)

I have made several attempts via in writing and several calls to a firm regarding several accounts that were opened up in my name, which was fraudulently due to identity theft. I provided supporting documentation which included the following : 1. Affirm Identity Theft Victim 's Complain and Affidavit 2. Notary - Acknowledgment 3. Dispute Letter 4. Police Report
Consumer complaint received 2022-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right 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 instructions.
Consumer complaint received 2022-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

Loan was purchase from XXXX to SPS. XXXX did forward over the payment for XXXX and my account was double deducted. I have asked for a refund but that is said to take 7-10 business days by SPS which will cause my account to over draft.
Consumer complaint received 2022-04-14
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: CORELOGIC INC (IN)

To whom this may concern CoreLogic illegally furnished fraudulent reports stating i the consumer owes debt and infringing upon my right to privacy pursuant to 15 usc 1681b, 15 usc 1692e, and 1692d false and misleading information in my consumer file/report Ive demanded that this information be remove and ask that Remedy be sent through mail.
Consumer complaint received 2022-07-29
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: CITIZENS FINANCIAL GROUP, INC. (WA)

I received an email from XXXX XXXX  that there was a hard inquiry on my credit, but I do not recognize the company running the hard inquiry ( citizens bank ) or know why they would perform a hard inquiry on my credit without my consent ( nothing in my life currently would require a hard inquiry ). I believe this might be a fraud situation, which is why I'm filing a complaint.
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 — Account status incorrect
Company: EQUIFAX, INC. (MI)

Date : XX/XX/2022 Amount : {$3500.00} Action : Requested item to be removed due to incorrect information. 

Company : items were removed sold to another creditors and reappeared multiple times. 

Date : XX/XX/2022 Amount : {$2500.00} Action : Requested item to be removed due to incorrect information. 

Company : items were removed sold to another creditors and reappeared multiple times.
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right 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 rights.
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right 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 rights.
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: EQUIFAX, INC. (MS)

This letter is the second formal complaint that you are reporting inaccurate credit information. I disputed the account on XX/XX/2022. I have not received a response and you are in noncompliance with the FCRA. 

I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a Home loan to refinance, which was highly embarrassing, has negatively impacted my lifestyle, as well as is now depleting my personal finances. Time is running out.
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC. (TX)

I was hit with a hard inquiry that I did not initiate - Three of them actually - and I need them removed from my credit. Talking to the company was either inconclusive, ignored or impossible ( not able to contact ).
Consumer complaint received 2022-07-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC (GA)

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report.

The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

FURTHERMORE, the above consumer DEMANDS the following below : Account Name : ACIMA XXXX FKA SIMP Account Number:XXXX
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have tried to dispute with XXXX  and Equifax for the information reported for XXXX. XXXX customer support is very nasty. only time they are nice is when they call me to ask me to purchase another vehicle from them stating i have good credit history with them. XXXX  is reporting adverse account and 30 day late but yet its not reporting on XXXX, or XXXX. I have provided documentation to Equifax and XXXX  and advise them to remove the comments they added from me trying to dispute the 30 day which has the day it was reported late the same day it was closed from the payoff they received from the dealership. Equifax shows the exact same date closed. i have reached out to XXXX  and Equifax as well as XXXX. There is no reason for XXXX  to show no late payment and only Equifax to show. XXXX  is not showing on XXXX but shows as adverse account on their report. Ive attached all my documents Ive also asked them to remove the statement only response is account updated.
Consumer complaint received 2020-04-02
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: JPMORGAN CHASE & CO. (NY)

I tried to pay with my Chase card and it was declined for NO reason. Having paid this company before with the same card it made NO sense. I called Chase bank and they said there is NO problem with the card. It did not go thru after 3 tries. I called the central office, 58 minutes on hold, I got the most idiotic nonsense for non answers as to what the problem is. They wanted a pin number - provided - said it was wrong - not incorrect. They they would snail mail a new pin and it would take 10-13 days to get. In the meantime I could NOT pay any of my bills. Beyond unacceptable. This has happened several times before, they keep saying NO PROBLEM, but there is almost always a problem with Chase. 
I need a bank that is in XXXX XXXX  XXXX  AND XXXX XXXX XXXX XXXX   as I travel between both places numerous times a year. I haven't found one to change to as yet. This arrogance and stupidity has to stop, it is damaging my business reputation - cant pay my bills.

I need this problem permanently solved ASAP.
Consumer complaint received 2020-04-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (ID)

On XX/XX/XXXX I received an email from XXXX stating I needed to log on to my account to keep it active. When I attempted to log in to my XXXX account, I was unable to log in and tried changing my password as prompted but my account had been closed, not at my request. I submitted several emails asking for help in reactivating the account and was told in emails to first log on with new code ( which I attempted and could not do ) then to submit a webcam photo and a copy of the front and back of my ID, which I did not feel comfortable doing and stated as much. I asked 4 times for someone to contact me by phone which they have not done. 

The dates of the emails I sent to inquire how to reactivate my account are : XX/XX/XXXX XXXX emails on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The amount of my original investment was {$250.00} on XX/XX/XXXX with a subsequent amount of {$150.00} on XX/XX/XXXX invested for a total of {$400.00}. 

Thank you in advance for your help regarding this matter.
Consumer complaint received 2022-10-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (WA)

Im the victim of identity theft and I did NOT open or authorize a Discover account ending in XXXX with balance of {$13000.00}. I requested Discover bank to investigate this fraudulent account, and they were concluded that I'm responsible for this account and the balance. I didn't agree with the investigation result, so I sent an appeal letter to Discover bank request to re-investigate. In the appeal letter, I have enclosed the copy of my FTC identity theft report, Police report case number, and copy of my IDs supporting my position. However, Discover bank did not conduct re-investigation due to " not enough evidence ''. However, the evidence is very obvious, because the address that was listed on the fraudulent account was NOT even my address, that means Discover bank enable this fraud happened because they allowed someone to use my name with an incorrect address to open a credit card account that I didn't authorize. I filed a police report about this identity theft and the case is still under active investigation. I provided my case number to Discover bank with the hope that they will work with local law enforcement to protect my right. However, Discover bank did not contact the police department for information and did not even take effort to re-investigate this fraud.
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

In accordance with the fair credit reporting act : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX was paid off on XX/XX/20
Consumer complaint received 2022-06-09
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 filed a police report and supplied it to Equifax, XXXX, and XXXX. I have filed my FTC identity theft report as well. They refuse to remove these accounts that are clearly Fraud!!!. I have asked these companies to validate this debt and they can not!! But when I submit it to the credit bureaus to fix it somehow comes back verified how? This timeshare account which is definitely not a mortgage keeps coming back to me when my ex-husband opened the account, not me. I have shown all 3 credit bureaus to fix this and they will not. The company has already been reported to the FTC for its shady practices but, the credit bureaus won't help me at all. They have reported this on me but not my ex-husband the person who actually open the account. These things clearly violate my rights under the FCRA. I want this gross neglect fixed ASAP. Here are the accounts in question : XXXX XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX Original creditors : XXXX XXXX, XXXX XXXX XXXX, and XXXX bank. I want to add the police arrested the individual who did this to me as well. He was arrested in Colorado while I live in California. He not only had my information making fake driver 's licenses but he also had the information of over 50 people doing the same to them. I have supplied enough proof to show this isn't my information. I have over 100 fraud inquiries as well that they won't remove. 


I would like to add Equifax has already deleted the following account but the other 2 credit bureaus have not : XXXX XXXX XXXX this company has lied so many times and reported wrong as well. this account actually belongs to my ex-husband as well not me!!!!!! 


My next step will be legal action against the credit bureaus and these credit furnishers if these errors are not fixed within 30 days as per my right under the FCRA 15 U.S. Code 1681o - Civil liability for negligent noncompliance Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
Consumer complaint received 2022-06-02
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. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have the right 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 instructions