davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Alorica Inc. ()

Report of Unauthorized Debt Transfer and Suspicious Activity by SST Systems and XXXX I am submitting a formal complaint regarding the unauthorised transfer of my loan from Tally to SST XXXX and Services XXXX ( SST ), and the suspicious practices I have encountered during this process. 

Background : For several years, I made timely, automatic payments of nearly $ XXXX through the XXXX app. Recently, I noticed that no payment was debited from my account, and I could no longer log into the app. Shortly afterward, I received an email from SST notifying me that they had taken over my loan, but this email was flagged as spam and delayed in reaching me. 

Key Issues : XXXX. Lack of Notification and Authorisation : I never authorised the transfer of my loan to SST, nor was I notified by Tally that this would occur. 

XXXX. Suspicious Communication from SST : SSTs email included a payment plan of $ XXXX less than what I was payingwith no explanation or disclosure of the interest rate. Their phone number did not work, and their payment link was non-functional. 

XXXX. Inadequate Transparency : When I finally reached SST from a number I found on XXXX, they provided vague responses, stating Tally had shut down. They refused to disclose critical loan information, including the interest rate, and mentioned they can not support online payments like XXXX had. 

Suspicious SST Contact Information : Mailing Address : SST, XXXX XXXX XXXX, XXXX XXXX, MO XXXX Email Address : XXXX ( XXXX domain is inconsistent with SST, raising concerns about legitimacy. ) Concerns : The debt transfer was done without my consent or prior notice, which violates the Fair Debt Collection Practices Act ( FDCPA ) SSTs lack of transparency, unresponsive communication channels, and suspicious email practices suggest deceptive or improper debt collection activity. 

I request that the FTC investigate both Tally and SST Systems and Services Technology for potentially violating consumer protection laws, including unauthorised debt transfer and deceptive practices. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-04
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. (FL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-10-04
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. (NJ)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX  XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXXXX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX  XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX :
Consumer complaint received 2024-10-04
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. (MS)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2018-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I had received a XXXX XXXX card and needed to empty the card and deposit the funds into my acct.. I entered the branch location at XXXX XXXX XXXX XXXX, XXXX, TX XXXX and was met with XXXX, condescending treatment.. 

I made an attempt to remove the funds, however the XXXX agent with the dreds was not being helpful, requested that a Mgr get involved.. I have the pin code on the XXXX card, have my BOA debit card, know the access code and everything.. However, I was refused service and pushed off onto the ATM machine inside. I had difficulty with the machine and left flustered and abandoned by BOA.. 

I was able to retrieve funds, however I was charged ATM access fee when, if properly assisted, could have avoided this service fee ... Additionally, due to this problem & impotence of the banking center agents, I failed to get $ $ into the acct timely and now suffered a {$35.00} overdraft fee ... 

Additionally, I am still being debited {$12.00} account fee on both checking accounts ; when I was once given free checking, safety deposit box ... etc due to my Platinum mortgage status. These fees are egregious and XXXX XXXX evident of need to reform the banking industry.. I strongly believe put all banking in prison, " We the People '' are sick and tired of being bled dry!!
Consumer complaint received 2018-06-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (DE)

On XX/XX/XXXX I made a {$600.00} payment online to my XXXX XXXX card held by Synchrony Bank. I received a confirmation number. The website posted my updated balance and payment a few days later. On XX/XX/XXXX I get an email from Synchrony bank saying I had a letter to review about my account. I open it and to my surprise the payment has reversed. The account is NOW XXXX over what I was previously given in credit! 

Synchrony Bank said their records show I did not authorize the payment ... 30 days later! This is absurd ; and I have no money in my account ; but my bank does not show that they EVER went in to get the payment ; is this a scheme to make more in interest? I am trying to pay this off before retirement in 2 years! I won't have that type of disposable income anymore. I am perplexed. I don't know how this could have happened. My credit union shows NO transaction going out for that amount ; but if I use my card and press accept ; it should go forward ... right? No one can tell me what happened and I am frustrated and I am the little guy ; I should not be penalized ; my spending limit was reduced ; my credit score was reduced and my credibility has been reduced., please help!
Consumer complaint received 2018-05-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (FL)

I was a part of the disaster recovery modification program since my home was damaged by the storm. In XXXX Caliber Home Loans started me on a three month trial plan. That I successfully complete in XXXX of this year. They sent the letter the second week in XXXX and then said it was due XX/XX/XXXX. A letter that must be notarized for the application to be complete. With transit time, I had less then two weeks to return the notarized application. 

I returned it on XX/XX/XXXX and sent it priority mail. I did it as quickly as possible. Fast forward to today and I am getting a foreclosure notice on my home and Calber Home Loans are demanding the {$11000.00}. First, less then two weeks to get a notarized paper back and forth is highly unrealistic. I did the best I could and spent my own money to send it priority mail. Second, today they are telling me that I am no longer eligible for the disaster modification, because I did not get the paperwork back on time and that I have to start all over with a new modification process. After an hour with them on the phone, everyone said I had to start the process over and that the time during my disaster recovery would count against me on my credit report. 

I don't want to lose my house so I tried to jump through their hoops, I go to upload the paperwork they want and it wont let me. It says I have to call, error XXXX. It is like they are doing everything they can to try to ensure I go in to foreclosure. How many other people are they doing this to? A two week turn around for a vital document like a notarized loan modification isn't fair and I think illegal. They should be ashamed of themselves for trying to take peoples home who have done everything they have asked of them.
Consumer complaint received 2018-07-01
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (CA)

I got a call from XXXX XXXX  collection department stating that my payment was not received. I explained to the customer service collections rep ( XXXX XXXX, Sunday XX/XX/XXXX at XXXX XXXX. She stated that XXXX XXXX  charged me a late fee because my payment was due on the XXXX. I explained to her that I had called into XXXX XXXX before and request that my due date be change after the XXXX of the month because that's when I receive my pay. I asked her to remove the late payment, she told me that they already removed one previously. I explained to her that she should look at the account to see when the late fee was removed because that would have been the date that I called in to request the due date change. XXXX XXXX  continued to argue back and forth and overtalk me, I couldnt get a word in edgewise. XXXX XXXX  charged me late charges for since XX/XX/XXXX. If I requested the due date change, why would they not change my due date and continue to charge me late fees. My I made 2 payment in XX/XX/2018 which should have brought my account in good standing. At that time, I requested that Macys change my due date. Nothing was done, they continued to charge me late charge every month. This is illegal and unethical. I had a XXXX   account in the past, I had the same kind of billing problems which forced me to close my account. The payment should have been corrected in XX/XX/2018. That was the date that I called to move the payment date behind the XXXX  of the month which is when I get paid. XXXX XXXX  never moved the date, but continued to charge me late payments. Today, after calling 3 people and being on the phone 2 hours, I got a person by the name of XXXX XXXX  Collections Supervisor XX/XX/XXXX ( XXXX ), who told me to make a payment of {$48.00} ( I made the payment ), he told me that this amount would catch up my payment, then told me to make another payment by XX/XX/XXXX of {$59.00}. I asked him why would I be making {$59.00} payment, when the payment was only {$27.00}. He stated that that payment would catch me up. That was he initially told me about the {$48.00} payment. XXXX XXXX is running some type of scam. They are tricking people into believing that if they make a payment, that they will be current, only to find out once they get your payment, you account is not in good standing. This is unethical and illegal. Looks like a bait and switch. They should be fined for this type of action.
Consumer complaint received 2018-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Due to the breaches from each of the credit agencies. This is the 2nd time my information was able to be used by someone to obtain goods and services in my name. I sent each of the credit bureaus my identity theft report, my copies of my driver license, my last check stub, and a request to have this fraudulent information removed from my report. Each has asked me to allow 30 days or more to have the information reviewed. In the meantime I am unable to obtain credit due them not taking the necessary steps to protect my credit file within their system. According to the fair credit reporting section 605B, they had 4 business days to remove or block this information from my file and they have failed to do so.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I RECENTLY DISCOVERED A FRAUDULENT SECURED CARD IN MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT. SOMEONE USDED MY PERSONAL INFORMATION AND OPENED FRAUDULENT ACCOUNT UNDER MY NAME AND DAMAGED MY CREDIT HISTORY. I DID NOT AUTHORIZE ANYONE TO OPEN THIS FRAUDULENT SECURED CARD UNDER MY NAME. PLEASE HELP ME TO RESOLVE THIS PROBLEM AND REMOVE ANY FRAUDULENT ACCOUNT FROM MY CREDIT REPORT.
Consumer complaint received 2018-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (OH)

I received an email from Equifax telling my dispute has been completed and to follow the link in the provided email to view the results. With my confirmation number I click on the provided link and fill in my personal information and click check status. I am than greeted with an error message from Equifax stating the information I provided doesnt match their records. I am able to successfully login to my account and view my credit report, but unable to view my dispute results with my correct personal information. I do not understand why I can not get my dispute results. I have tried getting through to Equifax unsuccessfully via phone. Ive had problems with Equifax since XX/XX/2018 when I tried to get a free copy of my report, each time I was told either my information didnt match what they had on file or my process to receive my report online couldnt be completed and i needed to request my report by mail. Since than I filed a complaint with my states Attorny General and miraculously after complaining I was able to get my free report online for the first time with no problem. I was told I could view my free report for 30 days, every time I try logging in I have to reset my passcode just to be able to login again. Equifax does not remember the password I set. This happens every time I login to Equifax and quite frankly Im fed up with dealing with Equifax.
Consumer complaint received 2018-05-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (CA)

I contacted the CitiMortgage ( CitiBank ) in XX/XX/XXXX and was given the payoff amount to pay my loan in full ... see attached ... {$5800.00}. I was told to pay it by XX/XX/XXXX. I paid it on XX/XX/XXXX through my bank debit and that evidence is also attached. I received a statement dated XX/XX/XXXX and then one XX/XX/XXXX indicating I owed additional money - both contradicted each other and indicating I didn't pay until XX/XX/XXXX. I have evidence I paid in XX/XX/XXXX so called and asked what happened. I spoke to one person early XX/XX/XXXX who stated they showed I hadn't paid until XX/XX/XXXX and I would have to prove otherwise. They made it obvious Citi had failed to process timely. I received my impound funds late XX/XX/XXXX in the amount of {$1500.00} and they withheld {$430.00} as an escrow adjustment because they said I paid in XX/XX/XXXX. I called and talked to XXXX on XX/XX/XXXX and she agreed I paid on XX/XX/XXXX ... Citi 's  mistake ... and I would get my refund by XX/XX/XXXX. Nope. I called again and they hung up on me. I filed a complaint with occ.treas.gov Case # XXXX on XX/XX/XXXX and just found out today they referred the case to your organization on the same date. I talked to XXXX today ( XXXX was no help as she promised send an email but did not ) and she indicated there was no case and I would have to refile. In addition, Citi promised they would send a conveyance document to the County of XXXX so I could get my deed. I paid for this service. As of today 's date, this has not been done. I wonder how many other people have been ripped off by Citi? I volunteer my services to audit this organization 's books. I have the credentials.
Consumer complaint received 2018-05-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (MN)

I financed XXXX XXXX XXXX XXXX through Ally. On XX/XX/XXXX the vehicle was involved in a accident that resulted in total loss. Ally was contacted by XXXX claims department and was payed {$14000.00} issued on XX/XX/XXXX. When I originally purchased the car, I also purchased GAP insurance. I first contacted Ally on XX/XX/XXXX when I started getting phone calls from XXXX XXXX XXXX in confusion when payment was received. I spoke with a Ally rep named XXXX who said " your account was coded wrong this should have been coded for total loss but instead it was coded collections. '' I have made several attempts by phone to get my GAP information so I can file my GAP claim to cover the remainder amount {$830.00} of the loan. No one at Ally including supervisor are of any assistance. I am always being told that no one can access my file to get the paperwork needed. Every time I call, I am forwarded to the collections department. Ally has falsely reported the account to collections which this has reported negativity on all 3 credit bureaus and no one is able to help me get the information I need to start Gap insurance process. I am constantly receiving collection calls from XXXX XXXX at XXXX XXXX XXXX. XXXX and I have discussed the paperwork I needed. XXXX said that he requested the paperwork from Ally, but that a lie. All I am requesting is this to be removed off my credit and the information needed to submit the GAP claim.
Consumer complaint received 2018-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

I have three mortgages with PennyMac. I paid XX/XX/2018 mortgages through a bill pay service. One check was issued for all three mortgages. PennyMac held the check for several weeks and then posted to one account. I was made aware of this when I started getting robo calls regarding my two unpaid accounts. THREE times now I have called in to correct the problem. Yes, THREE times. I have to hold while they investigate, confirm my previous calls and then continue to hold while they make notes to repost the payments. Now one of my accounts is 30 days late. Enough. It shouldn't have happened in the first place, but after three attempts and my time and frustration and now that it is affecting my credit, it is time to take action.
Consumer complaint received 2018-06-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (CA)

In XX/XX/XXXX ( XX/XX/XXXX to be exact ), my partner and I decided to merge our cell phone plans into a family plan. She was a XXXX customer and I was an XXXX XXXX XXXX customer. We decided to go with XXXX for our new family plan meaning that I would be cancelling my XXXX XXXX XXXX account. I called XXXX XXXX XXXX customer service notifying my intention to do so, and the agent that I spoke with notified me that my account was fully paid up, and since I was only a few days into my billing cycle I would owe a prorated amount ( amounting to $ XXXX- {$15.00} ). My account was cancelled and I was now on a XXXX family cell phone plan. Fast forward to XX/XX/XXXX, when I received a {$100.00} charge on my credit card from XXXX XXXX XXXX. I called them to ask what the charge was for, and because my account was cancelled they were unable to look me up in their " system '', and I was transferred from one to department to another. I spent four hours on the phone ( mostly on hold ) and was transferred to five different departments. Not one of them was able to tell me what the charge was for. So I contacted my credit card company and disputed the charge. XXXX XXXX XXXX 's answer to the dispute that it was for an unpaid part of my cell phone bill without providing details as to when and what. I told them that I had automatic billing set up on my account, so it was always paid in full, and there should not have been any unpaid charges and that this was not what their customer service agent had communicated to me back in XX/XX/XXXX when I cancelled it. They still were unable to tell me what the bill was for beyond " unpaid balance ''. They were unable to provide a complete history of monthly invoices with corresponding payments so that I could see where this mysterious balance had come from ( and since I had cancelled my account I was no longer able to access my online account to do so ). Since they were unable to plausibly show me what I owed them this {$100.00} balance for, I refused to settle with them and my credit card provider ( XXXX ) blocked them from making any future charges. Following this XXXX XXXX XXXX sent this to a debt collector, which is why I am filing this complaint.
Consumer complaint received 2024-11-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

2023 I was a victim of a scam and Bank of America reported me to the XXXX system and now I can't open a bank account for the next XXXX   years due to being scammed by XXXX XXXX XXXX  online also the bank froze my account with XXXX XXXX  stating that my account with them is minus- {$240.00} that they ( bank ) never cleared with cash app.
Consumer complaint received 2018-05-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MA)

XX/XX/18 I contacted Ocwen loan svcs to pay my mortgage electronically by phone which I have done many times over the past 11 years, however this time it did not allow the call and transferred to a human. The rep on the phone told me my husband needed to authorize me so he did, she then said no he needed to put it u n writing. I then told her I am simply giving you money and not looking for any information i want you to take the mortgage payment directly from my account like you have done for the past 10 years.