davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XXXX XXXX 2022, I made a deposit of {$1400.00} dollars in cash to my checking account at Bank of America, the ATM had a problem and was not working correctly, it only registered the amount of {$1300.00} dollars, I called the bank to make the claim the {$100.00} dollars was missing and they replaced it on XXXX XXXX, 2022, after a month passed on XX/XX/XXXX, they took away the original deposit of {$1300.00} dollars that I had made on XXXX XXXX, 2022, they tell me that they withdrew that Money because there were not enough funds, but I never deposited a check my deposit was cash. I opened a claim and they closed it, they telling me that the claim was already paid, but the only money they returned to me was the {$100.00} dollars from the beginning but they dont want to return the {$1300.00} they have taken it from my account, and my deposit was in cash not by check, they cant take Money from my account that I deposited in cash, than you any help you can give me.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX **Equifax Information Services LLC** XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Unauthorized Account Request for Validation Account in Question : XXXX XXXX Account XXXX XXXXXXXX, Opened XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute an account that has been reported on my credit file with both Equifax and XXXX : - **Account Name/Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Date Opened : ** XX/XX/XXXX I do not recall authorizing the opening of this account and request that both Equifax and XXXX provide the following documentation : 1. A copy of the **original contract** that bears my **original signature** authorizing the account.

2. If this documentation can not be provided, I do not consent to the use of the e-OSCAR system for this dispute. Under the **Fair Credit Reporting Act ( FCRA ) **, I am entitled to a full and thorough investigation of this account. 

If you are unable to produce the requested documents, I request that this account be deleted from my credit file immediately. Failure to do so would be in violation of the FCRA, and both credit reporting agencies may be subject to fines of {$1000.00} per violation. 

Please confirm in writing that this account has been either validated or removed from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX has already removed thiis account
Consumer complaint received 2024-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (IL)

I XXXX XXXX have begun receiving LATE FEES for loans that should be in a deferred status until my children graduate. They are both enrolled in college actively since fall of XXXX. I received a letter from MOHELA stating payments will begin fall of XXXX, which is incorrect as the loans were set up with DEFERRED payment until they graduate. I spoke with a representative after receiving that letter telling me I would continue to see that notice, but the status would change AUTOMATICALLY. I called and spoke with agent XXXX today and asked to speak with a supervisor to clarify, was put on endless HOLD and could not reach a conclusion. I am currently getting LATE NOTICES on my account.
Consumer complaint received 2024-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NV)

On Sunday XX/XX/year> around XXXX I attempted to withdraw {$900.00} from an ATM located inside the XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. The ATM notified me there would be a {$9.00} fee for the transaction bringing the total amount to {$900.00}. I accepted the {$9.00} fee and proceeded with the transaction. The ATM then showed an error message and failed to dispense any receipt. The ATM did not dispense any cash and I walked away empty handed. When I checked my bank account I saw the {$900.00} charge as pending onto my checking account. 

The following day on Monday XX/XX/year> the pending charge of {$900.00} posted to my account. Once I saw the charge had posted to my account I called the claims office at Chase Bank. They opened a dispute claim for me and temporarily refunded the {$900.00} to my account while they investigated. Also on Monday XX/XX/year> I called XXXX XXXX Security to see if I could obtain any footage of myself at the ATM. They told me the footage was good for two weeks but since I had already submitted a claim with Chase and they were investigating, I didnt pursue the surveillance video any further. 

Fast forward to Tuesday XX/XX/year> when I got a Chase mobile app notification that my account had been overdrafted. When I checked my account the overdraft occurred because Chase claims posted a claim reversal and the {$900.00} went back onto my checking account. 

I then called Chase Claims on Tuesday XX/XX/year> and they had informed me their investigation finished and the ATM company claims the funds were released to me. Chase claims instructed me to file a police report. After getting off the phone with Chase claims I called XXXX XXXX security again to see if its somehow possible for me to obtain the surveillance video but was told they could not give me any information since I was not the police. 

On Tuesday XX/XX/year> I went down to the XXXX XXXX XXXX center in XXXX XXXX, NV and filed a police report with XXXX XXXX. After filing the report I was instructed by XXXX XXXX to call the financial crimes division. Once I got home on Tuesday XX/XX/year>, I called the financial crimes division and left a voicemail since they didnt answer. 

On Wednesday XX/XX/year> I called financial crimes again and left a message. I also emailed financial crimes. I got an email response from them later that day and after some back and forth conversation of explaining my story, the financial crimes division of the XXXX XXXX XXXX police says what happened to me is not a crime. 

Now I am stuck and dont know where to go from here. I just want my money back.
Consumer complaint received 2024-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (CO)

The company keeps saying that interest isnt increasing but in my account it keeps increasing. Im part of a program that agreed to pay {$90000.00} of my XXXX  loans if I work for them for 3 years so I forwarded the {$90000.00} check to MOHELA and that should have stopped yearly payments and interest for this year, yet it keeps showing interest increasing
Consumer complaint received 2024-08-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Onity Group Inc. (NH)

I received HAF loan to help with covid 19 pandemic. Was approved for money to bring my mortgage current by HAF program and funds were released to PPH mortgage. 
PPH received the loan from HAF program and brought the loan current but then added a second mortgage to my property for {$28000.00}.

I called several times and spoke with supervisors to remove the added second mortgage they added after the loan was current and got the run around of why the second mortgage was added and tried to tell me that was an overdue amount which is untrue. The HAF program paid all overdue amounts. The second mortgage I understand is predatory lending practices which they have done several times no. First time was my original loan with Saxon mortgage. 
They stole about XXXX so far in payments. They then became Ocwen Mortgage then switched to PPH mortgage and I have them attaching {$28000.00} as a second mortgage to my property in another attempt to steal money from our family. 
Please Help .... 

Regards, XXXXXXXX XXXX
Consumer complaint received 2024-08-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (GA)

on XXXX XXXX XXXX of 2024 ( Monday ) i opened a business account with my banker XXXX XXXX at XXXX XXXX XXXX. a couple days later on XX/XX/XXXX of 2024 is when i reported fraud on my account- stating that someone obtained my account information through a fake website and was depositing fake checks in my account i took the initiative to contact chase to report that fraud and to file a claim about a couple days later i called to get the status of my account they told me that one check has been returned and they will adjust my balance because multiple fraudulent checks was deposited XXXX XXXX XXXX the same day i asked to speak to a supervisor to see if i can open up a replacement account they told me that i can which i got that account opened on the XXXX XXXX XXXX and that account was later closed because they told me that i would have to wait until the other account was in good status and the checks to be returned and another supervisor told me that. fast forward XX/XX/XXXX of 2024 i called to get the status of my account they told me everything was good with the compromised account and it is now closed and chase has decided to end the relationship with me and i can't open up any accounts in the future and that is not right because this is not my doing i reported everything and everything was document if they do father investigation they can see that when those checks was deposited that was not my IP address i called to report everything and now i am being held liable and can't open up anymore accounts this is ridiculous and i will be filing a lawsuit in another month
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc (NY)

In XXXX XXXX XXXX  I received a call and letter from Hunter Warfield stating my son and I owe them over {$4000.00} for their client The XXXX XXXX. My son went to the XXXX to get information regarding this charge. They clam they have no information regarding this charge. I contacted Hunter Warfield multiple times to get verification and a breakdown of changes. To date I have not received this information. The charge is now showing on my sons and my credit report as in corrections which is effecting my credit and my business.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to formally express my concerns and frustration regarding the Equifax data breach that occurred in 2017. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. Equifax is inaccurately reporting my Social Security Number, posing a significant risk to my financial security and identity integrity. You have not supplied proof under the doctrine of estoppel by silence XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX i my presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (WI)

There is a BANKRUPTCY reporting on my credit report, These BANKRUPTCY is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MoneyLion Inc. (NC)

I XXXX XXXX SUMMITED XXXX FORMS OF identification Proof of address ALONG WITH FTC AFFIDAVIT ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ;
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (GA)

I am filing this complaint to inform you that Ally Financial has unlawfully reported unauthorized inquiries on my XXXX and XXXX consumer reports. I have not given permission for Ally Financial to access my consumer report, and there is no permissible purpose by law for this inquiry. I am a victim of identity theft. I have filed an identity theft report with my local police department and the FTC. ( see Evidence ) I have not initiated any transaction with ALLY FINANCIAL. Furthermore, I do not have an account as defined under XXXX XXXX. XXXX ( XXXX ) with ALLY FINANCIAL for review or collection. I wrote to Ally Financial on XX/XX/XXXX [ certified mail # XXXX ] and again on XX/XX/XXXX [ certified mail # XXXX ] to resolve these issues to no avail ( See Evidence ). I have requested the general or specific certifications pursuant to XXXX XXXX required by XXXX XXXX. XXXX ( f ) ( XXXX ) to establish permissible purpose and they have provided no such documentation. 

Details of Violation : Dates of Unauthorized Inquiry : XX/XX/XXXX and XX/XX/XXXX Consumer Reporting Agency : XXXX ( XXXX violations ), XXXX ( XXXX violation ) By obtaining my consumer report on the aforementioned dates without any permissible purpose, Ally Financial is in violation of the Fair Credit Reporting Act ( FCRA ), codified at XXXX U.S.C XXXX ( a ) XXXX ( f ) ( i ), XXXX XXXX. XXXX ( f ) ( XXXX ) XXXX XXXX. XXXX ( a ). Therefore, Ally Financial has committed XXXX XXXX. XXXX, which is tantamount to XXXX XXXX. XXXX. This statute invokes XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ), and I am owed remedy per violation. 

References : Case Law : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) XXXX XXXX : section XXXX of the XXXX XXXX ( XXXX XXXX. XXXX ) ( relating to obtaining customer information by false pretenses ) ; XXXX XXXX. XXXX ( a ) ( XXXX ) ( XXXX ) XXXX XXXX. XXXX XXXX XXXX. XXXX ( f ) XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX CFR Part XXXX, Fair Credit Reporting ; Permissible Purposes for Furnishing, Using, and Obtaining Consumer Reports. 


Statutes Violated : XXXX XXXX. XXXX ( f ) ( XXXX ) XXXX XXXX. XXXX ( a ) XXXX XXXX. XXXX ( a ) XXXX ( f ) ( i ) XXXX XXXX. XXXX XXXX XXXX. XXXX Impact and Damages : As a result of this violation, I have suffered various harms, including the denial of new credit and increases in lines of credit. The invasion of my privacy has caused reputational, emotional, physical, and economic harms.
Consumer complaint received 2024-08-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CA)

Hello, I would like to report a serious and it seems like consistent and repeated accounts done by Marcus by Goldman Sachs online banking. I have XXXX online savings accounts ( XXXX joint ) and XXXX CD with them and all of a suddent earlier this week I got an email stating that the preferences on my account have changed and if I didn't make the change I should called them to notify. I called as I was worried that someone may have logged into my account and all of a suddent they tell me as they can no longer " verify '' my account with the telephone on the account ( which is still the same phone line and the line I used to called them ), they will need to lock my account and freeze all operations. In this process of the phone call, they asked for my name, DOB, last four of SSN, and secret word for proection/privacy that you create when you sign up for the account to verify my identity over the phone. They told me not to worry and that someone will be in contact 1-3 days.

I wait anxiously worrying about my funds as those are most of my savings and savings for my abroad wedding which I am leaving for next week. No call back no email - nothing. I called them again for more information today and they told me that my case has been " esclated '' and I need to send a notarized affidavit of identity to the address and the form has been mailed to my address which will take 7 days. Their website is not available/available for login abroad so I asked if there is a way for me to send the form today expedited and I was able to find a form online to do so. I rushed and spent extra {$30.00} to send the form as fast as I can to be arrived this Saturday so that my account could be unlocked and managed next week. 

My partner who has a joint account with me at Marcus calls today to take out some funds for the wedding and is told that he can not transfer anything as my account is locked and that until they review the affidavit which can take 7-10 days there is nothing they can do. I tell the situation of going abroad and wedding and nothing is being done. Again we are asked all these questions about our identity over the phone like last four SSN, DOB, and others to " identify '' us. I am speechless here in that when I am willing to provide more information and such there is nothing they can do to unlock my account and for me to gain access to these funds which I desperately need for the upcoming wedding next week before I leave the country. Any advice/help is appreciated. We probably talked to over 6 people over this week and many calls/chats to Marcus.
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (PA)

On XX/XX/XXXX My Kia XXXX was totaled. Between The insurance company ( XXXX  ), XXXX XXXX XXXX XXXX XXXX XXXX ) .There was a balance of {$880.00} Which I paid. I received the original Bill of Sale from Kia Motors stamped PAID IN FULL on XX/XX/XXXX. In XXXX I received a alert on my credit report the the account had been charged off for the amount of {$120.00}. I immediately called Kia and they said it was a balance due for that amount, I paid it on the spot and the Customer Service rep said that it would be credited immediately and the adverse entry on my report would be removed. I had no correspondence from Kia Prior to that notice on my report. I have two letters from Kia finance who informed me that as of XX/XX/XXXX the account was paid in full, neither said the account would have a charge-off paid statement attached to the file. I also have a recording from their phone system that the final payment was made on XX/XX/XXXX. The delinquincy on the credit reports state that it was delinquent XXXX, XXXX and XXXX, clearly it should be removed for that reason. I have tried several times to have it removed and the credit bureaus side with Kia with no additional information.
Consumer complaint received 2024-08-29
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Firstsource Business Process Services, LLC (CA)

I have been having issues with XXXX for almost 3years I have resolved this matter which I have includes all documentations. I have a company that is called XXXX calling me with this matter. This is a closed matter and there is no reason to be getting any phone calls or letters. I need this matter to be taken care of ASAP
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts. 


Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX Account number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to formally express my concerns and frustration regarding the Equifax data breach that occurred in XXXX. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. Equifax is inaccurately reporting my Social Security Number, posing a significant risk to my financial security and identity integrity. You have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX i my presume that no proof of the alleged debt nor therefore any such debt in fact exists.