davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (SC)

On XX/XX/XXXX I tried transferring funds from a savings account to an investing account all held by the same bank, Ally Financial Inc . I had to make the initial transaction four times before it went through and when it finally did I started being locked out of my investing account. On XX/XX/XXXX I made another transfer in the amount of {$600.00} and it was approved that day but the cash only showed in the account for a couple hours before disappearing. I spoke to a XXXX at Ally Financial about the transfer and he was able to confirm the transfer but not the receipt in my other account. He transferred me to another department but the investing department is clearing phone queues every 30 minutes. They are restricting access to my accounts on both their app and their desktop site. They have {$600.00} of my money tied up in limbo where an employee can not find and they are restricting normal banking functions like accessing funds and buying stocks.
Consumer complaint received 2021-01-29
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Consumer Solutions Group (NV)

Collectors keep calling for an employee that worked for us over 2 years ago. He was terminated in XXXX of XXXX. They have called on XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and two times on XX/XX/XXXX. 

The gentleman says his name is XXXX XXXX calling for XXXX XXXX and says that an employment verification is complete and XXXX must call them to prevent an LOI from being sent to his residence and place of employment. He leaves a return number of XXXX referencing case # XXXX. The caller ID on my phone shows the number calling me as ( XXXX ) XXXX. 

I called this number on XX/XX/XXXX and asked for XXXX XXXX and was told he is not available. I told the gentleman on the phone that the company needs to stop calling us because XXXX XXXX has not worked for us for over 2 years. I was told by the person that answered the phone that they would let XXXX XXXX know to stop calling. 

On XX/XX/XXXX, XXXX XXXX left two additional messages, both for XXXX XXXX referencing the same reason for calling and case #. 

I called the number and told the person answering the phone that I already called yesterday to tell them that XXXX XXXX hasn't worked for us in over 2 years and to stop calling. I was hung up on. So I immediately called back and XXXX XXXX answered the phone. I again told him that I had just yesterday demanded that the company stop calling and that he has called yet again. I again demanded that he stop calling. I told him I am filing a complaint with the NV Attorney General.
Consumer complaint received 2021-01-29
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. (NC)

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2021-01-29
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)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will file an FTC and CFPBB ASAP!
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

I am disputing late payments on my current XXXX XXXX XXXX XXXX Auto Loan Account and XXXX XXXX Auto Loan Account thats currently listed on my XXXX, Experian and XXXX XXXX credit report. I have never missed a payment with XXXX XXXX XXXX XXXX or XXXX XXXX. The information is inaccurate and incorrect. All of my auto loan payments to XXXX XXXX XXXX XXXX and XXXX XXXX has always been on time payments.
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I purchased a car on XX/XX/XXXX for {$20000.00} and financed through Bank of America. 

Less than one month later I paid off the full balance of the loan on XX/XX/XXXX as shown in the attached document. Ending principal balance is {$0.00} and includes the {$20000.00} principal payment and a {$76.00} finance charge for a total payment of {$20000.00}. The Bank of America website showed the account with a {$0.00} balance and no indication that any further payment was due. 

I began to get emails from Bank of America requesting another {$76.00} finance charge while the website said {$0.00} was due. I did not pay this amount. I called the bank asking where this charge was coming from and could not get an answer. 

Bank of America admitted on the phone that it was an improper double charge and told me they would waive the charge. This was unsatisfactory as I wanted the error corrected, so I filed a CFPB complaint on XX/XX/XXXX, ID XXXX. I did not make a payment on this date. 

In XX/XX/XXXX I received information that my credit score declined 100 points. On investigation Bank of America is reporting the account as more than 30 days past due. 

In addition, the credit report shows a {$76.00} payment on XX/XX/XXXX. I did not make this payment and assume that Bank of America made this payment instead of waiving the erroneous charge. 

I filed a dispute with XXXX and have tried to contact Bank of America to resolve this. Both without success.
Consumer complaint received 2021-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On the XX/XX/XXXX I received in funds to my Bank of America checking account. I had closed an investment account and has received in {$160000.00}. My intent was to move the money to my XXXX investment account. I accidentally sent to funds to my XXXX Visa Card. ( It was an easy mistake as the the two are listed next to each other on the website for transfers. ). Realizing my mistake I called and sought to unwind the transfer. 
After 8 days, numerous calls, I still cant get access to my funds - they are stuck as a credit on my credit card. 
I am an 18 year customer of the bank. The funds moved from my checking account to my credit card. I am a former employee of XXXX, a lawyer and a certified anti-money laundering specialist- there was nothing that qualified as suspicious about moving money between my accounts. Yet after 8 days I have not been able to get access to {$160000.00} and have missed out on potential investment opportunities as a result of Merrills inability to respond to my request to correct a simple clerical error. 
Calling every day I was given different excuses for the delay and different expectations about when the funds would be returned. At this point I have {$160000.00} credit on a Visa card that is useless and no rational explanation for the delay. I hope you will investigate.
Consumer complaint received 2021-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

In XX/XX/2020, I had a loan with XXXX XXXX and gave out my account number and did not feel comfortable after I paid the loan. I was noticing some activity on account that was not right. Had this account for four years and closed it due to my loan. The banker did not close out my account liked I asked, and I have closed out accounts in the past so know how the process works. This time it was made restricted and the banker told me it would close out in three months. I also noticed it was comprised was the first time they placed this on an account. Have been with chase of over ten years and you can see I been aI loyal customer and always have had a good relationship with chase. Even since I closed out my account been having so many issues with chase, I know I am considering ending my relationship with the bank. All accounts so be avaible for the client to see for seven years that is the law. However, the account that I had to close there is no record on my online account I can not go back and review my statements. Also, my stimulus payment I believe was not the correct amount and was rewarded more. Want a full investigation with account transaction from XX/XX/2020 till present. The account did not close out in three months like said. Have enclosed documents of my concerns an issue with my account. Thank you, XXXX XXXX. Also my address had recently changed was at XXXX XXXX XXXX XXXX  XXXX CA XXXX for 34 years. I am receving all mail through the P.O, Box number I provided.
Consumer complaint received 2021-01-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Each bureau is reporting inaccurate information on my report. FCRA 607. Compliance procedures [ 15 U.S.C. 1681e ] ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. They are not abiding by these rules. I have seen multiple errors on my report that has not been corrected. so they must be deleted.
Consumer complaint received 2021-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp (RI)

In XX/XX/2020, we deferred payment for one month per the Covid rules of our loan company Lending Club LLC. They incorrectly reported the account as 30 days late. When we informed them the my corrected it. 30 days later, they again reported the XX/XX/2020 account as last due. We again informed them and they corrected it. This has happened every 60 days since. They refuse to explain why it is happening and will not let us talk to anyone who will fix the problem. They promise calls from supervisors that never occur.
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FMS Inc. (NC)

XXXX XXXX XXXX XXXX ( XXXX minutes ago ) to XXXX XXXX XXXX XXXX XXXX, Reference # XXXX Account Number on your letter # XXXX This is Fraud I did not give you permission to open up an account in my name using my social security Number. I will be reporting you to the Department of Justice and to the Consumer Financial Protection Bureau. 

Reference # his letter is being sent to you in response to an entry made on my Credit Report dated XXXX Please be advised that this is not my debt nor am I responsible for this said debt pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested.

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section of the Fair Debt Collection Practices Act.

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes.Debt validation includes the following : I need the following information immediately.

1. Provide proof of validation of the debt and the assignment of debt. Who was the original creditor on this account, and what was the account number?

2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.

3. Please provide me documentation that indicates that I agreed to pay someone this account with my original signature not a copy nor electronic format, also the sum of money said owed.

4. What was the original date of delinquency for this account?

5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.

6. What did you pay for this account, and how did you calculate the current amount owed?

7. Where is my 1099? I will report you to the IRS for Fraud. You provided incorrect information to your accounting department and they reported Fraud to the IRS> I require compliance with the terms and conditions of this letter within 30 days of your certified receipt, or a complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages. 

Respectfully, XXXX XXXX
Consumer complaint received 2021-01-29
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)

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I keep putting in complaints because I am the victim of identity theft as you can see in the attached documentation thats below XXXX XXXXXXXX SENT ME A LETTER SAYING A CARD WAS OPENED FRAUDULENT PLEASE REMOVE IMMEDIATELY I GOT A COPY OF MY CONSUMER REPORT AND STILL SEE XXXX XXXXXXXX REPORTED ON MY REPORT I ALSO PUT A COMPLAINT ABOUT XXXX XXXX LATE PAYMENTS AND ITS AGAINST THE LAW TO HAVE SOMETHING NEGATIVE REPORTED THAT I DONT WANT THAT INFO SHARED NO WHERE PUBLICLY WITH OUT MY CONSENT
Consumer complaint received 2021-01-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

Ocwen is attemoting to llegally foreclosed my loan, ignored my complaints, and have sold off the servicing rights to my loans and are trying to initiated the foreclosure process before completing a review of my loss mitigation applicationsFees and the Dates alleged simply cant be for what you stated above due to the fact that your explanation of when the fees could be incurred does not match the timeline of my property and the actual activity there. There is no way certain fees could have happened when you are stating, and I can prove it because I have been living there and can prove that there is no way anyone inspected anything, no maintenance was done. definitions of fees and what there for, but didnt state the ammount of each fee. And the ammount charged for each fee changes seemingly at will for no reason. While the fee title remains the same, the ammount charged for the same type of fee drastically changes. 
.there has been absolutely no communication or effort put in on your part to contact me an alert me that any of this was going on so that I might have been able to prevent these charges from being made. I was prayed upon by your ocwen because of the literal contradictory resistance i have met for 2 years to gain access to the account or find effecgtive communication with them at all. The fact that this account was inherited and XXXX XXXX is XXXX  I believe it was believed by there company that I, and my property could be written off as already won and that yall were just waiting for the time to pass by until they could sieze the property. 
I have not been given any oppurtunity or a fair chance to abide by any terms or conditions, and it is wrong and terrible to think that OCWEN/PHH/XXXX  is and would try to take this from me without giving me a fair shot. 
So no, your fees were not correct and i object and reject their tatement and challenge it fully. 
I am not trying to escape a debt, I am trying to get a fair chance.
Consumer complaint received 2021-01-30
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$3500.00}, {$810.00}, {$0.00}, {$660.00}, {$1000.00}, {$1400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 


-- STUDENT LOAN 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$810.00} -This is not my account. 

-- PERSONAL LOAN 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$660.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account.
Consumer complaint received 2021-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX INQUIRY ON XX/XX/2021 - THEY RAN MY CREDIT WITHOUT MY AUTHORIZATION
Consumer complaint received 2021-01-31
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. (CT)

Credit reporting agencies, Experian and XXXX  will not remove a negative account past the time limit as per the FCRA. Its been 7 years, 5 months since XXXX XXXX XXXX XXXX XXXX  repossessed the vehicle due to non payment. The vehicle was repossessed because I was unable to obtain affordable insurance in the State of Connecticut due to my credit score at the time. XXXX XXXX XXXX then decided to add an insurance fee I was unable to afford, the $ XXXX monthly payment became a $ XXXX monthly payment. XXXX XXXX XXXX has noted I owe XXXX balance due, when the vehicle was repossessed I had an XXXX balance. However the vehicle was auctioned off and charged off. I am being treated unfairly and the negative remark is hurting me yet again in obtaining credit or good faith with other credit lending companies.
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

These items are erroneous and imprecise for I have not remembered having these items. Also, the information you provided on some account are different from other bureaus and I know that they are inaccurate and the reported payment history on some accounts are questionable to me. I have always been stellar in my payments. 
As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the adverse information on the items be DELETED to correct the information.
Consumer complaint received 2021-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A. (RI)

Old Citi credit card was used on XXXX mistakenly at the same time an active Citi credit card was being used. Citi made no attempt to collect the money owed on a card that had not been used in a few years until I started getting phone calls and letters that looked like fraud. When I contacted Citi they only told me my current card was paid as agreed and I didn't owe a thing. Recently they finally agreed to send me my statement so I could confirm the transaction, when I did they posted all interest and late fees from when I spent the money and refused to take {$100.00} in fees from a {$20.00} mistake purchase to settle the account. Recently they started reporting the account aggressively and only offered a call from their executive team within 15 business days. With no way to resolve until this department contacts me I am not sure why they are posting all of this negative information over a {$20.00} dispute.