davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (OR)

This bank has been a problem from day one for me and ultimately I am intending to go somewhere else, but I am into this at this point and I need to get some things straightened out. I wanted to move an ira I have to this bank. They took multiple calls and about a month and a half just to get me the forms so I could fund this ira, admitting mistakes in that procedure. I got that sent in and by a week I got an email that they were going to close the account if it wasnt funded. I then tried to call and find out if they got the forms and what was going on. I have tried multiple, multiple times and either the time waits are too long or they transfer me and I get cut off or it has a long wait with myself not knowing how long that will be. At some point I have to move on. I also finally sent an email to ask for a call. They are not doing much in that area or are calling when I am not available. In fact I had to do one of these calls to the fedreserve complaint sytem and that is when they called so I missed that. WTH. Are they surveilling me so they can call when I cant answer? Also recently their system has started making it hard for me to access my account online. Now today I even get a message they need a phone number to text codes to me. I have no number for texting. They are causing me more and more problems. I want them put out of business as they obviously can not run any banking business properly. And like another bank I complained about with their ineptitude and problems they caused me I expect this bank to attack me.
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (AZ)

Reporting negative Information on my report. 
Says I have an open account this is false. 
Is accessing my personal information without consent. 
Negative information Reporting to extort payments. 
Never done business with company. 
Never gave consent for company to use my personal information. 
Never gave consent for company to report negative information. 
In collusion with alleged original creditor to extort payments.
Consumer complaint received 2022-11-04
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)

Hello my name is XXXX XXXX and XXXX have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX
Consumer complaint received 2022-11-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Recovery Solutions, LLC (CA)

I am reporting an identity theft case. I disputed the fraudulent account and informed the credit agency as well the bank/collection agency ! 

It was confirmed by the bank, that the account was not affiliated with my information. Allegedly, the account was opened in 2018 with my brothers name and address the account did not even indicate my name or address. 

My brother has and never had any access to my social and is willing to file a report if needed. We believe we got hacked and someone used my social and his name and address to open said account. 

The collection agency is drs and I was reported buy XXXX XXXX for {$680.00}. Despite the different name affiliation the collection agency is refusing to inform XXXX XXXX that the account was open with a different name and XXXX XXXX refuses to help me unless the party who reported me confirms said information. 

Meanwhile, my credit is being damaged because the bank is refusing to drop the account bank confirmed wasnt in my name! 

I disputed this account and explained the situation and XXXX XXXX wrote me a letter that the collection agency claim that the account is legitimate! 

I disputed this account again and explained the situation once again how can the account be legitimate if its not even opened in my name
Consumer complaint received 2022-11-04
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. (AZ)

Got an alert that XXXX XXXX XXXX opened an account. I did not authorize. My old account should be reporting XXXX. 
Misuse of credit card, continued reporting on XXXX account. Keeps reporting old info for purposes of extortionate means. Credit bureaus are reporting inaccurate information. 
Account XXXX lawfully on XX/XX/XXXX. 
By payment in full. 

Keeps reporting billing errors under 12 CFR 1026.13. Collected payments for 3 years on a account that had a finance charge. I asked company to cease and desist for the first time in XX/XX/XXXX. 
Company is blatantly trying to extort funds by negatively reporting on my report. I have seemed remedy with the company several times. 
Company did not default account per new cfpb investigation and I feel that I am party to that complaint. Company stole vehicle and sold vehicle, after collecting the full finance charge, did not disclose the details of the contract. Failed in fiduciary duty to protect the beneficiary. Used beneficiary signature to receive credit, and then collected federal reserve notes, under a alleged car loan. Can not lend money under 42 USC 408. Is purporting that I owe them on a " loan ''
Consumer complaint received 2022-11-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I received a copy of my Transunion credit report and am disputing some inquiries that need to be deleted. I have listed the account, the opening date, and account number in the attached document.
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (GA)

I submitted a dispute with XXXX for company National Credit System, They received the dispute on XX/XX/2022 and XX/XX/2022. How is it possible to complete an investigation of verified debt without showing proof of how the debt was verified, proof of the original contract agreement, description of the procedures used to determine the accuracy and completeness of the disputed information. I have requested this information from XXXX but they have failed to provide proof of verification of this debt and proof of a debt validation letter.
Consumer complaint received 2022-11-04
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. (MD)

In early XXXX, a dispute was submitted to Experian indicating that there were inaccuracies in the manner in which an account was reporting on my report. Experian adjust the balance to {$0.00}, which was accurate but also extended the date for which the account would remain active on my credit report from XXXX ( which was also inaccurate as account was closed in XXXX and should only remain on report until XXXX ) to XXXX. This made the account appear as if it reporting a foreclosure which is a more detrimental mark on credit than a deed in lieu. 

In late XXXX a second request to address inaccuracies in the manner in which the account is reporting was met with what can only be described as retaliatory action. Experian placed multiple months of no data reported to extend an account that closed in XXXX to be open until XXXX and then indicated that the deed was received by the creditor in XXXX of XXXX. Resulting in a drop to my credit score of XXXX points and remaining on my credit until XXXX of XXXX. This is an abuse of their access to my credit history. My account moved from in accuracies in status to blatantly inaccurate information. I requested that if the information could not be corrected ( length of time the account would remain on my report in turn correcting that status that the account is being report - deed in lieu not foreclosure ), that it be deleted. Instead the account now has gaps of unverifiable information and inaccurate that were placed there simply because I asked them to correct the information they are reporting.
Consumer complaint received 2021-11-11
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. (OH)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2024-02-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

I was proactive in getting everything ready for student loans. I linked my tax information, I filled out the application and I followed up with Nelnet to confirm I was set. They said yes. Then they inform me my payments will be over {$500.00} because my application was completed so I did it again. I waited and checked again to find it still was {$500.00}. I called and they said I need to fill out the application again. So I did. I explained I couldnt afford {$500.00} each month and they said we can set it to I think {$250.00} and I agreed. They then apparently put me on forbearance while they fixed the issue and put me on the SAVE plan. For two months my payments were {$5.00} and then I had a payment of {$210.00} so I thought they fixed it. I discovered this week they pulled {$710.00} out of my account. Theyre saying its because I was on forbearance and that not all my loans were consolidated so I didnt have all loans on SAVE plan. I had to pay my bank {$30.00} to cancel the payment and now my student loan account shows Im {$1400.00} past due. I called again today and they said itll take 30-60 days for this to be resolved. So I asked if theyd then be taking another {$700.00} out of my account and they informed me that the only way to prevent it is to go on forbearance again. This is affecting my physical well-being, mental and financial. I have done everything in my power to set this right and Im getting penalized. I tried speaking to a supervisor but they told me Id have to wait on hold for an hour. I have no control of this situation and Im doing all I can to make things right. They are negligent in their duties and theres no accountability. Ive also received no correspondence from them as to what they are doing to fix this problem.
Consumer complaint received 2023-12-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Why has your bureau not taken immediate action to delete the fraudulent accounts as soon as an identity theft complaint was filed? HOW CAN YOU JUSTIFY CONTINUING TO REPORT ACCOUNTS THAT HAVE BEEN IDENTIFIED AS FRAUDULENT BY OTHER CREDIT BUREAUS AND ACKNOWLEDGED AS SUCH IN MY IDENTITY THEFT COMPLAINT? DO YOU COMPREHEND THE SEVERITY OF THE CONSEQUENCES I AM FACING DUE TO YOUR NEGLIGENCE IN RESOLVING THIS MATTER PROMPTLY? I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. Despite the gravity of the situation, the accounts in question persist on my credit report, undermining my financial standing and causing irreparable damage. 
XXXX XXXX XXXX XXXX  XXXX PLEASE DELETE!!!! 
XXXX XXXX XXXX XXXX  XXXX PLEASE DELETE!!!! 
I demand the immediate deletion of the fraudulent accounts from my credit report. Your failure to address this matter expeditiously constitutes a blatant violation of the FCRA and an infringement on my rights as a consumer. I insist on a written confirmation of the removal of these accounts within the shortest possible time frame
Consumer complaint received 2024-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

XX/XX/2024 - called bank to dispute charge on my wife 's debit card ending in XXXX. XXXX informed me the only way to dispute it was to file a fraudulent claim and cancel the card. We did and I paid for expedited 2-day replacement. 
XX/XX/2024 - went to local branch to withdraw money and found out my debit card was not working. Was informed that my debit card ending in XXXX was also cancelled by mistake. We were left we no access to funds for the weekend. I was understandably upset and was told by the branch workers there was nothing they could do other than file a complaint about the situation and that I had miscommunicated to the representative on theXXXX. They told me I was responsible for both cards being cancelled. NO POSSIBLE. 
XX/XX/2024 - received replacement card for XXXX ( which was not supposed to have been cancelled ) - replacement for my wife 's ending in XXXX not rec 'd. 
XX/XX/2024 Wife sent an email to our account rep at the bank inquiring as to the status of her replacement card. 
XX/XX/2024 Branch worker ( XXXX ) client my wife in an agitated and threatening manner, essentially yelling at her. In the end we were told her card was sent on the XXXX and to be patient. 
XX/XX/2024 Wife emails branch asking for status. No response. 
XX/XX/2024 My daughter, my son and myself all get emails the due to suspected fraud that the bank was restricting their respective checking accounts and my checking savings and business account - none of which had fraud. We were told that if we didn't contact the bank they might close the accounts. My daughter went to her Branch in XXXX and she was told they bank was terminating its relationship with her father ( XXXX XXXX and since his name was on her checking account that it was being terminated as well as her savings account ( in her name only ) and that the assets in those account were frozen and refused access. I was told the same thing at the XXXX nj branch and when i demanded to withdraw all my money I was told the account was frozen and would be disbursed to me thru a check at the close of business. The branch also had called the police and said i was harassing the branch personnel. Based upon the distorted story of the prior week in the branch I recorded the interaction on video inside the bank. In the parking lot I was detained by the police as a result of the harassment call. I played the video to the officer and he acknowledged that there was absolutely no harassment and that under the circumstances was very calm. 
XX/XX/2024 after leaving the bank i called the complaint department at chase and was informed that there was a restriction on my account and no one in any department of the bank would speak to me and no one would be able to tell me when i would have access to my funds on any of the XXXX accounts.
Consumer complaint received 2022-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Claim ID : XXXX Account ending : XXXX I received a notification that my claim ID XXXX in the amount of {$6900.00} was denied on XX/XX/2022. I called the fraud department to reopen the claim and send in the police report. Bank of America has not answered the phones and denied my claim. I have waited on hold for over 3 yours. They also have not honored their theft and fraud policy. please see my below statement as to what happened : On XX/XX/2022 I went surfing in XXXX, CA and left my wallet and phone in the car. There is a group of criminals who target surfers in XXXX for this reason. The criminals stole my wallet and phone out of the car and went to the XXXX XXXX in XXXX XXXX and were able to use my debit card to purchase {$6900.00} worth of merchandise. They were able to authorize the transaction because they had my ID and my cell phone and were able to call Bank of America to verify my identity. On XX/XX/2022 I filed the police report and was able to verify my identity with Bank of America because I got my new phone from XXXX. Up until XX/XX/2022 Bank of America would not allow me to freeze my credit and debit cards because they could only use my phone to verify my identity. 


They also were able to charge {$6500.00} on my Bank of America credit card at the same XXXX XXXX and I opened a separate claim for that amount. Claim number : XXXX I filed a separate CFPB complaint for this because it was on a credit card. 


Additionally, They were able to XXXX transfer {$3000.00} to someone named XXXX using my XXXX. I assume they were able to do this because they had my cell phone. You can see in the below screenshot they also tried to make several other XXXX transfer to someone named XXXX claim number is XXXX. Bank of America honored and paid this claim. 

Please review the information. I can provide you with all the information you may need. Thank you XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (UT)

so I upgraded my card on XX/XX/XXXX there is a promotion that if I spend XXXX on the card in purchases I will get XXXX bounus XXXX  points I have been tracking for the whole 4 months and overtime been getting updates from the company. so I made the XXXX and I called and checked and know they come back and say XXXX purchases don't count which I didn't know and they never told me going back all the way to XXXX and the conversations I have had with the reps through the phone and in chat they have said they all now I only have live days left and they say I still have to make XXXX in purchases according the reps for the 4 months I have been tracking I already made the threshold they never told those purchases didn't count until it was too late if I would have known that I have don't things differently I want this XXXX points honored because I did spend over the XXXX and according to there for 4 months when I was tracking this everything was a fine I feel I misled by there reps and I want this honored asap its not my fault if I would have known I would have spend the money on the card diffently I never did any cash advances they are all purchases I made on the card. they never told me XXXX and XXXX XXXX did not count at all
Consumer complaint received 2022-11-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I sent a letter out to all three credit bureaus about my disputes and inquiries that I didn't have any knowledge of I also sent them my FTC report because my identity was stolen, they still have all these accounts and inquiries on my credit report this is affecting my life I'm not able to do anything my life is ruined can someone please help me these accounts are XXXX XXXX but it's a closed account XXXX XXXX  it's also a closed account and XXXX XXXX  and it also is a closed account all of the inquiries have been removed from Experian but not XXXX and XXXX I've sent them letters and pictures of my identity and social and they failed to send me proof of signature showing I in fact authorized these accounts and inquiries.
Consumer complaint received 2022-11-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (IA)

Regarding Flagstar Mortgage Received escrow statement dated XX/XX/XXXX claiming a shortage of {$5500.00}, resulting in payment increasing by {$800.00} per month to {$2900.00}, equating to an increase of 38 %!! 

Upon contacting the bank, I was informed that my monthly escrow payments were reduced in error in XXXX due to a system error. Thus, due to a significant control breakdown in their processes that 1 ) would allow an error of this magnitude to occur and 2 ) additional controls were not in place to allow them to catch and remedy the error that would have saved me from being in having to repay a significant shortfall. 

I further confirmed that they only run their process once eah year, thus escrow shortages would not be identified for many months, allowing the amount to build unbeknownst to the customer. 

The fact that this is a complete system /process and control breakdown leads me to believe that their is an serious issue within their escrow division affecting countless others.
Consumer complaint received 2022-11-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (WA)

XX/XX/XXXX XXXX called NCB MANAGEMENT SERVICE spoke to XXXX  she said it was with XXXX XXXX XXXX XXXX for XXXX and that the application was from XX/XX/XXXX deposit was sent to XXXX XXXX  XXXX who confirmed no deposits were received outside of payroll from XXXX when this account was closed. XXXX advised they need to do some research and see what is going on with the account. 

XX/XX/XXXX XXXX XXXX  called XXXX XXXX XXXX XXXX  XXXX is escalating to another department and I would be contacted back, XX/XX/XXXX XXXX Called NCB MANAGEMENT SERVICE XXXX XXXX advised they have requested the validation of debt XX/XX/XXXX XXXX XXXX went through all statements for XXXX no deposits were made on account. Account was closed on XX/XX/XXXX. Can not make a deposit in a closed account. 

XX/XX/XXXX XXXX Spoke to XXXX  at NCB MANAGEMENT SERVICE. was told they can not look up the documents they sent me. They will be sending me the fraud packet XX/XX/XXXX XXXX XXXX  Called XXXX Spoke to XXXX  who transferred to XXXX  supervisor Says she can't access the account transaction history. She will be sending me an email letting me know what information is needed XX/XX/XXXX XXXX filed report with offer XXXX Case number XXXX XX/XX/XXXX sent copy of the Police report and id report from FTC to NCB MANAGEMENT SERVICE & XXXX XX/XX/XXXX sent copy of the Police report police report and ID to the credit Bureau who modified the dispute to an id theft XX/XX/XXXX XXXX  reduced my credit limit due to this negative item on my credit report. I am now having adverse action taken against me because of this item. When I called the credit Beru they said they cant do nothing until they finish the investigation XX/XX/XXXX XXXX XXXX  called and spoke to XXXX  said we got the documents on XX/XX/XXXX it is something we must investigate and resolved. We will get the fraud packet out to you and this is something we are trying to resolve but it does not happen over night will take some time. 


Now I am facing adverse action due to this account