davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (FL)

I opened a checking account with Ally bank for the express purpose of using it to deposit and spend which is what checking accounts are for. I funded the account from my XXXX account with {$10000.00} direct software transfer which Ally had no problem taking in my deposit. 
Then on XX/XX/year> I did a wire transfer for {$10000.00} leaving the {$100.00} to cover the {$20.00} fee and sufficient to keep account open for next deposit. 
On XX/XX/XXXX, I received a call from Ally representative that questioned me for 16 minutes. I answered all of their questions and instead of completing the transfer, said they didnt like the amount I was transferring and referring it to their fraud department for a review that would be completed by XXXX close of business that day. 
Then for no reason, the wire transfer was cancelled, my account was locked with no way to see a status what was going on. It appeared to me this was Ally Bank attempt to steal/swindle me out of my money operating unethically if not illegally simply because they didnt like me spending my own money. 
I then called the fraud department trying to understand what happened, what was their process, when will it be done, where is my money, how do I get it out of them. 
There answer is always the same : Call the next day to see if there is a status, The people working in the fraud department have no idea what their process is, how long it takes or even who the phantom investigator is that has no name, no contact number, no stated reason for what or why their investigating. 
I need your help to get Ally Bank to stop this criminal behavior and release my {$10000.00} immediately. I want my account closed after my money is returned to me. 
The unethical behavior at best is : 1. Unilaterally determining how and when I can spend my own money. 
2. Locking my account to where I am not allowed to see status or even the agreement that supposedly allows them to whatever they feel like with my money.

3. Having a fraud department that can not state what their process is or how it works.

4. Appointing a phantom investigator that has no name, no contact information and has not reached out to me for 6 days after stealing my money. 
Please help me get my money ASAP so I can part ways with this SCAM of a Bank and do what you can as their regulator to get them to develop and follow written policies and procedures so this dont happen to anyone else. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Ally Checking Account ending in XXXX. Because account XXXX XXXX XXXX locked cant get full number.
Consumer complaint received 2024-06-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (WI)

It is a XXXX acct. and I can not get any information as they do not show a debt for me. The collection agency and XXXX are not able to do anything for me it seems. I am trying to get a credit report from 2017 to show that I did not have this debt and my husband was alive and our credit was impeccable. Unbelievable this can happen!!
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (FL)

I just review my credit report and found a inquire from SYNCB/PAYPAL on XX/XX/year> and i never request anything from this people also i am XXXX patient and in XX/XX/year> i was under treatment and XXXX so this is not mine. I demand this inquire to be removal from mu credit file open attach for proof and letter
Consumer complaint received 2024-06-11
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Kikoff Inc. (AZ)

In XX/XX/year>, I made my final payment to Kikoff for a credit builder account. I didn't sign up for anymore products. On XX/XX/year>, I received an alert from XXXX saying that my credit score had dropped XXXX points. Upon checking my credit report, I noticed a 30 day late payment from Kikoff which made me call the company. I was told by an agent for Kikoff that my account was automatically renewed and now I owe them {$60.00} for something that I didn't sign up for. I asked can the late payment be removed and was told that it couldn't and that I would have to pay them the {$60.00} or they would send me to collections. The agent advised me to log into my account via the app and remove the automatic renewal option which I did.
Consumer complaint received 2024-06-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PLANET HOME LENDING, LLC (TX)

I have been submitting required documentation for a Loan Mitigation with Planet lending since XX/XX/2024. Every time I call they ask for more and different documentation for the loan mitigation process. The goal line keeps moving every time i call. I am working with my Hud Counselor XXXX XXXX ( XXXX ) and he has called Planet to help understand what is required. Planet has not been respectful and or helpful to XXXX. 

The complaint is that Planet lending is Dual Tracking Best regards XXXX XXXX
Consumer complaint received 2024-06-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Triton Recovery Group (PA)

XXXX XXXX who is there Collection XXXX for Triton Recovery LLC is the lead in a debt collection involving XXXX XXXX XXXX. XXXX XXXX has been communicated with through email for a duration of time. XXXX XXXX emailed a settlement offer around XX/XX/XXXX. The contract and money order for full payment of balance was sent via certified mail to their home office in Florida, which was received on XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX confirmed receipt of the parcel. On XX/XX/XXXX XXXX XXXX stated there was some form of investigation going on within his company about the payment sent. On XX/XX/XXXX XXXX stated he has the agreement signed and the instrument for payment. On XX/XX/XXXX XXXX, Collections XXXX stated that she no longer wishes to communicate with my P.O.A. regarding the alleged debt. I continue to reach out to inquire as to why my payment has not been processed along with why the legal suit that was file had not been dropped due to payment being tendered and received on XX/XX/XXXX. the collection agency has failed to perform there duties and has not returned the money order that was tendered as payment for full balance. I continue to get harasses by XXXX XXXX and his office about the alleged debt.
Consumer complaint received 2024-06-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

Notified of this collection XXXX of 2023. Since then disputed with all credit bureaus, filed police report and obtained notarized ID affidavit. XXXX  account was then locked/frozen. All credit bureaus have a fraud alert on my account prior to this collections. All reports and information was sent back to the collections agency as they requested that information. I am still receiving mail from them saying I owe them the debt that is not mine, however it was removed from credit report.
Consumer complaint received 2024-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (LA)

I have stolen identity for about XXXX years and its been rotated in the state of Texas. Recently inquiries has been added onto my credit report more than XXXX I believe also there is an energy bill that is in my name in Texas. Thats now on my credit report, Im working with the company to get it removed. I also did a police report, and they told me that it would take 30 days for them to resolve this issue. I have got leases apartments off. All has occurred in the state of Texas. The information that the company just receipt gave to me was a phone number that I had that whoever the thief is is currently still using or has used, it even has affected me with the gambling sites XXXX and XXXX
Consumer complaint received 2024-09-12
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-06-11
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Lloyd & McDaniel, PLC (FL)

My XXXX  XXXX credit card account was transferred to collections even though I was making monthly payments on it. I understand they were lower than they wanted but it was what I was able to pay. I made an arrangement with XXXX XXXX XXXX to pay one account and told them I couldnt pay on the other until I paid the first one off. They sent my account to Lloyd and McDaniel collection lawyers. I disputed my debt in writing on XX/XX/24. On XX/XX/24 I received the information and contracted the law firm and made an initial payment of XXXX $ I told them I will continue to make monthly payments and when I paid off the other card balance I would encrease my payments. I received a call from XXXX XXXX at extension XXXX from Lloyd McDaniel on XX/XX/24. She told me. Low suit was filled against me on XX/XX/24. I asked her how this was possible since I disputed the debt. She said oh you want to dispute it Ill put it in dispute right now. I said no you should have put it in dispute when you got my email regarding the dispute. How is it that they were able to file a law suit against me when I hadnt even recieved or reviewed the paperwork they sent me regarding to the dispute? I just want to make sure my rights havent been violated. I am desperately trying to pay off all of my debt as quickly as possible but my financial situation has changed significantly since I incurred the charges. I appreciate any information you can offer me in this matter. Thank you XXXX XXXX XXXX
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX
Consumer complaint received 2024-06-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: ATLANTIC UNION BANKSHARES CORPORATION (VA)

In opening an account with Atlantic Union Bank in XXXX, XXXX they defaulted the setup to send a paper statement and charge a {$2.00} fee for the statement. This was not disclosed at account opening. It feels like a hidden fee is being charged. It would be so simple to default to a free electronic statement and then if the customer wants a paper statement, they can request it and be notified of the fee. At no point during the account opening process was I told I was being enrolled in paper statements, so even with the generic fee disclosure provided, I had no way of knowing I was enrolled in this service.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (CA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NV)

Complaint Against Wells Fargo for Mishandling of Unauthorized Withdrawal and Failure to Reimburse.

I am writing to file a formal complaint against Wells Fargo regarding their mishandling of my claim for an unauthorized withdrawal of {$15000.00} and their subsequent failure to reimburse me the full amount of {$32000.00}, which includes the {$17000.00} deposit that was mistakenly processed as a withdrawal. I have requested a copy of the withdrawal slip, which raises further concerns. The slip does not have my full name written, instead, it uses an abbreviation of XXXX XXXX. 
Additionally, my signature is written twice on the withdrawal slip, a perplexing inconsistency. I am at a loss as to what more I can do to rectify this situation. 
On XX/XX/XXXX, I visited my local Wells Fargo branch to deposit {$17000.00} in cash into my account. However, due to an error on the part of Wells Fargo, my deposit was incorrectly processed as a withdrawal of {$15000.00}. This mistake has caused significant financial distress and inconvenience. 
To support my claim, I possess a video recording captured on XX/XX/XXXX that clearly shows me depositing the aforementioned {$17000.00} cash at the designated Wells Fargo XXXX. The video includes a timestamp, location, and date stamp, all of which confirm the legitimacy of my deposit. Upon discovering the error, Ive immediately contacted Wells Fargo 's dispute resolution department to file a claim on XX/XX/XXXX the deposit wasnt showing on banking app available balance.. Ive recently spoken with XXXX, a representative from the corporate office & her supervisor last month in XX/XX/XXXX, who acknowledged the mistake. However, it was disheartening to learn that Wells Fargo claimed they did not have video surveillance footage from XX/XX/XXXX after requesting it over a duration of 3 years, despite my possession of my own conclusive evidence. 
Over the past 3 years, I have diligently followed up with numerous calls and emails to Wells Fargo in an effort to resolve this issue and retrieve my rightful reimbursement of {$32000.00}. 
Despite my persistence, Wells Fargo has failed to take appropriate action or provide any satisfactory explanation for their inaction. 
I kindly request the assistance of CFPB in facilitating a fair resolution to this matter. It is evident that Wells Fargo 's mishandling of my claim and their refusal to reimburse the full amount has caused significant financial hardship and distress. I trust that your intervention will help rectify this situation and ensure that I am rightfully compensated. 
Thank you for your attention to this matter. I look forward to a prompt response and resolution.
Consumer complaint received 2024-06-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (IL)

In XX/XX/XXXX, I was was solicited by someone presenting themselves as representatives of XX/XX/XXXX ( hereinafter referred to as the Merchant ). Their web platform is completely anonymous and does not provide any specific information about its owner/operator. There are many warnings against XX/XX/XXXX that confirm that it operates illegal. Unofficial investigations about the illegal operation of XX/XX/XXXX can be also found in a number of sources that are considered more or less reliable. Notwithstanding the above, the persons pretended that the web platform and the Merchant were licensed as regulated financial brokers and that they had the required qualification and skills for trading regulated financial tools and providing financial advice to the public. They insisted that by following their advice I would be able to open and maintain a segregated financial acoount and to make trades on regulated markets. Being an average consumer and without special knowledge in the financial markets, I was made to believe that he was investing in regulated financial tools via a licensed and qualified platform. Making use of the my lack of experience and knowledge, the persons acting i through the aftermentioned platform and/or on behalf of the Merchant requested me to make payments leading to believe that I was funding a segregated financial account. As per explicit request of the aforementioned persons, all payments were to be made in crypto currency and I was adv i sed and instructed to purchase crypto currency from Coinbase. I was then advised by the unlicensed Merchant to transfer the purchase crypto to nominated e-wallets, which are assumingly located outside www.coinbase.com. Acting in good faith and following advice, I made an account with www.coinbase.com, and made series of payments in consideration of purchasing crypto. Total amount of the payments is XXXX XXXX distributed in multiple transactions, all of them were sent through my e-wallet with Coinbase to the following addresses : XXXX XXXX XXXX XXXX Each transaction was immediately indicated on my profile with the unlicensed broker XX/XX/XXXX, which clearly reveals the link between above indicated address ( es } and the operation of the illegal website of the Merchant. Therefore, we consider any of the above wallets potent a ly being an integral part of the illegal activity of www.btcpro.one and/or potentially used for commining fraud and/or money-laundering.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I received a copy of my credit report and found the following item is what i am disputing. 
1. Your in violation of 15 U.S CODE 1605 ( a ) and 15 U.S CODE 1666B XXXX XXXX  Account Number : XXXX Please remove inaccurate late payment for XX/XX/2023.
Consumer complaint received 2024-06-10
Product: Credit 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: Bread Financial Holdings, Inc. (NH)

I made a purchase through the XXXX website with my XXXX credit card that is issued through Comenity ; Bread financial. The purchase was returned but never actually reflected on my credit card statement. XXXX claims they sent the refund information and Comenity says they did not. This was XX/XX/year>. I waited about five days per XXXX because refunds take a few days. I've been going back and forth with both companies. Comenity says it's on XXXX. XXXX says it's comenity. On XX/XX/XXXX I made XXXX phone calls to each company. Each rep told me something different. I was told the {$79.00} would be refunded and I would be all set. My account is set up for autopay every statement cycle. The {$79.00} was never taken care of. No one filed a claim for me. It wasn't until I called 6 times to each company XX/XX/year> and then a claim was filed. The letter I got after that stated that my claim was denied because I had paid my bill. I got that letter XX/XX/year>. Again I called each company a total of 9 times. The final person at comenity said because I paid my statement balance that meant I took responsibility for the charges. I'm now being required to reopen the dispute and get information from XXXX. XXXX does not understand what information Comenity needs. I have been at this for two months now. Comenity did not do their job. They did not do a full investigation. If they did, they would have gotten the proper information from the merchant ; XXXX. I am owed {$79.00} from Comenity.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Cascade CISS Holdings, LLC (NV)

XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone number ( XXXX ) XXXX Pulled my report on XX/XX/year> They are with XXXX XXXX XXXX I did not authorize this
Consumer complaint received 2024-06-10
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (TX)

I received a welcome email from Chime for opening an account and they wanted to start automatic deposits. I called customer service and informed them that I received this email and that I didn't open an account with them. She was able to verify that an account was opened in my name and it was an unknown caller with my information. The representative immediately cancelled the account and sent me a confirmation email and also advised me to report this incident with the FTC and notify the credit bureaus.
Consumer complaint received 2024-06-10
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Mercury Financial Intermediate LLC (MO)

I received a call from Mercury Financial on XX/XX/year> and they made me aware that an account had been open in my name on XX/XX/year> online by someone else and they had immediately charged the card using the digital card the same day of over {$1000.00} of dollars. I was told that i need to file a police report and mail them a copy.