davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-08
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 filed a CFPB claim but the response was sent to an auto finance company. THIS IS NOT A DUPLICATE COMPLAINT!! Equifax and XXXX are reporting incorrectly on my credit report a collection that originated from XXXX. This account was sold to an unknown third-party and now there is a collection showing up on my credit report for {$560.00}. ( Please see page 19 of the attached credit report ). I do not believe I have ever had a XXXX account. If this account is mine then it has been over 7 years and is beyond the statute of limitations. Please remove this tradeline from my report. This incorrect reporting is a violation of the Fair Credit Reporting Act and is harming my credit score.
Consumer complaint received 2019-09-19
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: JPMORGAN CHASE & CO. (PA)

JPMCB - AUTO FINANCE is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Consumer complaint received 2022-08-11
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. (CA)

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Account left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. 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. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. XXXX OF XXXX XXXX
Consumer complaint received 2019-04-08
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: CARVANT FINANCIAL LLC (PA)

I checked my credit and saw various inquiries that do not belong to me for the same date - XX/XX/XXXX. Additionally, they have been reporting for almost one year. If this was for an auto loan, then these should have been grouped together as one and should not be listed individually. But i am requesting REMOVAL because it has been one year. 

XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX CARVANT FINANCIAL LLC XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2021-03-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

My mother refinanced her home in 2008 for the amount of {$45000.00} through Wells Fargo Home mortgage and today she currently owes {$34000.00} and this is after I have paid over {$50000.00}. The major problem that I can see is that Wells Fargo approved this loan for her and she was not financially capable of paying it. At the time of approval, my mother was deemed XXXX by the social security administration and was receiving benefits roughly in the amount of {$700.00}. The other issue why she wasn't qualified is the fact that she had a car loan in her name and a judgement on her credit profile. I strongly believe that the underwriting process was fraudulent and now she's having trouble paying her mortgage. The other issue that shes on payment deferment due to covid and they are charging late fees every month.
Consumer complaint received 2021-03-17
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: WELLS FARGO & COMPANY (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-09-10
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (PA)

Stop the harassment as expressed in 1 ) repeated collection attempts and 2 ) a refusal to delete the mention of 'Ally ' from my credit reports ( all credit reporting agencies ). 


I am a veteran who has been trying to buy a house for my wife and family for years. 


In XXXX or XXXX of XXXX, auto lender Ally Financial surprised me in saying that they expected $ hundreds more per month than the amount I agreed to pay. 

My wife ( with me at dealership XXXX XXXX in XXXX, PA, during negotiation ) and I told Ally that I had agreed to ~ {$480.00}. The Ally representative said she would look into it. 

Ally reported to us that there was no contract error ; they also said they would continue looking into the matter. 

My guess is that the dealer sent an incorrectly created, unsigned contract form to Ally Financial XXXX. 

Under duress that the car would be repossessed, we struggled to pay amounts Ally representatives insisted we owed. 

Our XXXX XXXX XXXX was repossessed ( stolen ) by Ally Financial XXXX XXXX XXXX XXXX XXXX. Subsequently, my credit reputation was severely damaged. From a combination of paying the much higher monthly payments and the damaged credit ratings on all three credit reporting agencies, our family moved to a small apartment. 

We have been trying to buy a home for years. No lender would talk to us. 

A collector, Law office of XXXX XXXX XXXX, filed suit in XXXX XXXX courthouse. The judge closed the case because there was no proof that I agreed to the " contract '' that the collector presented. 

Additionally, the judge stated that the collector was barred from further attempts to collect. 

Ally continues to try to collect. My credit reports are still severely marred. Ally shows neither care, responsibility, nor fear in their continued harm and affect on our lives and finances.
Consumer complaint received 2021-03-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (CA)

Citi Bank was collected more debt with charged extra interest on my CitiBusiness Platinum Select Card on APR 10.99 % to 20.99 % over 10 years, even if this Card had been closed since XXXX. And I had call and ask them to take a settlement for stop charge any more extra interest during this card closed, buy them refused and continuing to collecting the extra debt till I paid off last balance {$65.00} on XX/XX/XXXX. So, I want to claim Citi bank refund {$8000.00} as compensation.
Consumer complaint received 2019-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY (IL)

About one week ago my wife and I went to the local jewelry store in XXXX, IL called XXXX XXXX to see about purchasing an item. We were unsure if we could afford it, and the jeweler asked if we would like to check our credit to see if we could take out a loan with Wells Fargo that would cover the cost of the item. The jeweler said that it would not hurt our credit and that we would not be obligated to use credit after checking it. After giving the jeweler the information, we were told we were eligible for enough of a loan ( {$10000.00} ) to cover the item. We could not decide if we wanted the item at that time and told the jeweler so. We later discussed and decided to not purchase the item. Now, we have received a credit card in the mail of Wells Fargo XXXX XXXX with ( additionally ) the merchant name on the card of XXXX XXXX with a credit limit of {$10000.00}. We did not authorize or want a credit card, and this was opened against our will.
Consumer complaint received 2022-08-11
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. (NJ)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are 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 block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX XX/XX/2020 XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$7700.00} XXXX XXXX Balance : {$0.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2019-04-08
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: KEYCORP (ID)

I was notified by my XXXX monitoring service that an account was opened by Keybank using my social security number. I have never used Keybank and have never opened an account with them. I do not live any where near a branch of Keybank. I contacted Keybank in XX/XX/2019 to find out who, why and what type of acct was opened using my social security number. 

Keybank would only confirm that an acct of some type was opened in XXXX, Oregon at the XXXX and XXXX Branch with my social security number but not my name. I then contacted XXXX the branch manager in XXXX. She did confirm that they had opened some type of acct for a known customer with my social security number. It took several days for this client to come in and provided their correct social security number. 

XXXX reassured me that this was a mistake and that it was corrected. She would provided no information about what type of acct was opened. She reassured me that the bank legal department would send me a letter in writing clarifying that they removed my social security number from the acct and would no longer use my number on further accts. XXXX stated it was just a " mistake '' not fraud. This discussion took place in XXXX and I waited until XXXX thinking a letter would be arriving in the mail. 

No letter and no further contact by Keybank was made. I contacted the branch manager again on XX/XX/19 and she told me she called the executive legal department and that they would be calling me by the end of the week. She stat that she herself would also call me on Friday, XX/XX/19, to make sure the legal dept had made contact. As of today, XX/XX/19, I have not heard from Keybank or from XXXX the branch manager. 

Over the weekend I did post on Keybanks XXXX " visitor post '' my story. I did receive a post back saying they would " look into this for you. We'll let you know as soon as we have any updates. '' However, I still have had no contact from the legal department, XXXX or Keybank representative. Today I finally contacted the FTC and they gave me the phone number for CFPB so that I could file this complain.
Consumer complaint received 2022-08-23
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: The CBE Group, Inc. (FL)

I received a call from CBE Group on XX/XX/2022 at XXXX from phone number XXXX. I answered and was asked if for me by name. They then attempted to verify who I was by stating the last 4 of my social security number and asking me to verify. The person then argued with me when I said that the last 4 of my social security number is protected information and that the collection company should not be giving it out freely to verify who they are talking with. I have delt with this agency years ago about this very thing. They have not changed.
Consumer complaint received 2022-09-21
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: Nelnet, Inc. (LA)

Identity theft is the intentional use or possession or transfer or attempted use with fraudulent intent by any person of any personal identifying information of another person to obtain, possess, or transfer, whether contemporaneously or not, credit, money, goods, services, or any thing else of value without the authorization or consent of the other person.
Consumer complaint received 2022-03-23
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY (HI)

This consumer is a victim of XXXX WELLS FARGO XXXX XXXX  ( WFA ) ; XXXX XXXX, XXXX XXXX ( XXXX ) usual setup of unfair practices. I detected deceptive activities in connection with the extension of my credit to mislead this consumer, which invoked federal questioning. 

I executed a Cease & Desist ( CD ) certified order notice XXXX, received on XX/XX/XXXX, to executives XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX, informing them of my right defined under 15 USC1692c, this consumer completely, unambiguously denies & object the entirety of alleged debt per 15 USC1692c ( c ). WFA ignored & violated my certified CD order notice. I received continued harassment & obscene language on XX/XX/XXXX & XX/XX/XXXX. 

On XX/XX/XXXX WFA violated 15 USC1692c ( a ) ( 1 ) ( b ) ( c ) ; 15 USC1692e ( 4 ) ( 5 ) ( 7 ) between the unusual hours of XXXX - XXXX & disgraced this consumer in an attempted seizure ; wrongful possession they did not have express permission from a court of competent jurisdiction, by hiring a third party XXXX XXXX XXXX XXXX XXXX ( XXXX ) to unlawfully invade on my personal Property causing a breach of peace within Gov. Military housing. 

WFA violated my right to privacy as defined by 15 USC6801 by communicating & selling to third party XXXX  for profit, my private financial & private location information without my expressed written consent, in an attempt to unlawfully seize my private property, per 18 USC1028A is considered aggravated identity theft ; Infringement of my intellectual property rights & disrespecting the privacy of this consumer. 

This consumer is not in possession of any documentary evidence as defined as 15 USC44, proof of claim under penalty of perjury & Per to Rule 1002 ; G.A.A.P ; forensic audit trail evidence that WFA loaned this consumer real money or credit ; evidence of indebtedness to prove monies left WFAs account, my right per 12 USC 5533 ( a ). WFAs has Collected extensions of this consumer 's credit by extortionate means.

WFA act as if they are unaware of the Federal law ; Federal law does not apply to them ; ignoring federal laws & their responses are avoidance from federal laws that they are bound to. 

Threatening this consumer for an alleged debt, with no proof of claim. The instruments were in violation of the federal law, specifically the Consumer Protection Act from inception. I have been discriminated against because I have in good faith exercised my Rights as defined as 12 CFR 1002.2 ( c ) ( ii ) ; 15 USC1691 ( a ) ( 3 ) & have trespassed on my Rights.
Consumer complaint received 2019-04-08
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 (NY)

I reported fraud on my Barclay card ending in XXXX. I received four letters ( 2 in XX/XX/2018 and 2 in XX/XX/2018 ) informing me that the account was close due to fraud. The letters stated that the account ending in XXXX was closed due to fraud, the fraud investigation has been completed and that you are not responsible for the reported fraudulent activity. Please allow up to 30 days for the consumer credit reporting agencies to remove any fraud-related information from your credit report. Today, the new account ending in XXXX has the fraud activity on it and the fraud has not been removed. I have been paying on my card with autopay for months and stop it in XX/XX/2018 ; when I realized that autopay was on. I owe nothing more on both accounts, Barclay card ending in XXXX and nothing more on Barclay card ending in XXXX. Please close these accounts and report both of them as fraud. This credit card has been a nightmare and I don't know what to do. I filed a police report as instructed by XXXX representative. XXXX Police Dept. Report CC # XXXX. I put in a dispute for fraud regrading Barclay card to the following consumer credit reporting agencies : XXXX and XXXX  as well as security freezes on my credit accounts. Please help! 
I paid approximately {$2000.00} from the {$14000.00}.
Consumer complaint received 2022-01-25
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (PA)

On XX/XX/2022, I received a 1099-INT from The XXXX Bank XXXX reporting interest for an account that I did not open. I have never had an account with Chime or XXXX Bank. 
On XX/XX/2022, I called XXXX and was told that this was a Chime account and that they could not help me. I call Chime on XX/XX/2022 and was told that I need to send them an email about the fraud which I did on XX/XX/XXXX and XX/XX/2022 and have not received a response. 
I called IRS on XX/XX/2022 and have a filed an identity theft report with them. 
Apparently Chime/XXXX Bank allowed someone to open an account in my name with my social security number without verification of identity. I am having a difficult time trying to get either Chime or XXXX to allow me to speak with someone in fraud department to close this account and issue a corrected form 1099-INT reporting zero interest.
Consumer complaint received 2018-09-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc. (OR)

On XX/XX/XXXX, a company named TekCollect sent me a threatening letter falsely stating I owe {$13000.00} to XXXX XXXX. 

While XXXX XXXX did perform work for me, all amounts owed by me were paid. There has been no presentation of invoices for the {$13000.00} claim. Nothing regarding any work, all of which was brought to a close in XX/XX/XXXX. 

Also, the TekCollect letter is titled " Final Notice '' when no notice whatsoever was received prior to this letter. And, the letter includes no supporting evidence, such as invoices, for any amount owed. 

TekCollect is threatening to ruin my credit record. I called the phone number on the TekCollect letter, and a very young person answered, with " Hello? '' I had to ask if I had reached the TekCollect office -- and it was never made clear if TekCollect actually has an office. 

Thank you for any assistance you can provide with this false claim. 

The TekCollect address is XXXX. XXXX XXXX XXXX, OH XXXX TekCollect phone number = XXXX
Consumer complaint received 2021-03-17
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 ()

On XX/XX/2021 I had the sum of XXXX sent to my paypal account, immediately the money dropped into my paypal account, paypal threw my account to account limitation, then i called and explained the transaction and i was told that the limitation will be lifted with 24hrs to 72hours. 

I have made 5 calls to the very rude and inhospitable customer service representatives and i was assured that the limitation will be lifted. To my amazement on XX/XX/2021 the account was permanently closed with my funds in it, then i was told i can not claim my money for 180days! without any form of empathy! 
I even explained an emergency i had, but they were not concerned. 


I was asked to produce my passport, bankstatements etc, i provided all, but the bullies told me they have a right to close my account unjustly! 

There is XXXX transaction which i remembered is a survey platform that helps me earn money when i answer questions, they claimed it was fraudulent transfers. 
( see attached ) Kindly use your good office to claim back my money for me please, i am in dare need of it. 

I have provided them my International passport, my bank statement and all they required and i am ready to provide whatever they need, i do not engage in any fraudulent activity. 

I am amazed that a lot of people were disappointed that i use paypal, i never knew that paypal has made a very bad image of themselves in the public, i have had nighmares this few days as i am shocked that we have extremely wicked and unempathic customer service or limitation team in existence in this 21st century, this may affect paypals going concern in the future. 
Find below the history of my qmee transaction history. 

I am a fraud investigator by profession and i know you should know that when you suspect a fraudulent activity, you ask for evidence to be sent not rudely close your customers account with the hard earned money, will you be happy to have your own money locked up for 6months? how evil! 
Please you have frustrated me enough, and caused me sleepless nights, do not punish me unjustly, i need that funds as its for an emergency in this covid period. 

see attachment and if you need more evidences let me know, i am ready to provide it. 

XXXX