davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: MORGAN STANLEY & CO. LLC (PA)

Since XX/XX/2023 fradulent charges have been made against my checking account on a monthly basis. I do not recognize, or have any relationship with, the company described on these charges. I tried calling the number provided on the transaction only to find it is a fraudulent operation as they attempt to get personal information, refuse to identify who they are, and hang up when questioned. Here is the information provided on the transactions : XXXX  XXXX XXXX Location : XXXX XXXX XXXXXXXX Having no other recourse I repeatedly contacted my bank ( on or about XX/XX/2023, XX/XX/2023, and XX/XX/2023 ) to dispute the charges and stop payment on any future transactions from the company. Each time I called the bank i was given credit for the charges and assured that future charges would be stopped. However, the recurring charges continue ( most recently on XX/XX/2023 ). Here is my bank information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX I called today and am being told that they can not stop payment on future transactions by this company. It seems my only option is to go through the difficult process of closing my account and opening a new one.
Consumer complaint received 2023-08-28
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC. (IN)

In XXXX, I received several checks from my mutual fund company that were distributions from my father 's estate. I held these checks about a week and then deposited them in my local credit union. About a week later, I sought to transfer most of the funds to a money market savings account with Ally bank where I already had a joint account with my wife. Unbeknownst to me, the mutual fund company had stopped payment on the checks because of a calculation error. I noticed this almost immediately when my credit union account showed a large negative balance and immediately filled out forms at the credit union to reverse the XXXX transfers. The people at the credit union were very helpful and did not charge me for the several returned check fees that would have accrued. Later that XXXX, I initiated contact with Ally bank to close the account. I was told this would happen. It did not and my login at Ally showed this account with the balance that it would have had if the XXXX transfers had cleared but that the funds were not available. After about a couple of months, I finally got Ally to make the funds available show XXXX from the initial deposits and they said they would close the account. This never happened despite repeated requests. The account has accrued a bit over XXXX XXXX  in " interest '' that was credited on the phantom balance. They have continued to promise to make the account balance XXXX and close the account but this has not happened. Now I am exposed to the possibility of receiving a 1099 for this " interest '' that is not mine. This may also expose _me_ to accusations of some sort of shady dealing. I would just like to be done with Ally bank and I can not believe they will not resolve this. I believe this is likely due to laziness and/or incompetence in the Ally bank IT department who are unable to bypass and resolve this somewhat unusual situation. I have attached an account statement. I have numerous messages with Ally as well and can add these if needed,
Consumer complaint received 2023-06-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RS Clark and Associates, Inc. (TX)

I was renting a washer and dryer appliance. I paid the last month before my moving into a new unit and asked them to pick it up. I paid them for the last month and they picked up the equipment. A few months later, I saw they put my account in collections for {$110.00}. Ive been having issues with this company ever since I worked with them. I do not owe this debt and I want it removed from my credit report ASAP
Consumer complaint received 2023-11-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

I opened a personal checking account in Citibank on XX/XX/XXXX, XX/XX/XXXX me and a friend of mine went to XXXX XXXX  XXXX and my friend wired {$25000.00} as a loan to me to My checking account in Citibank. XX/XX/XXXX I found out that my bank account is closed and when I called they said its gon na take 30 days and I would receive a letter from the Citibank. Meanwhile the XXXX was coming and I needed the phones for personal agent matters I have not done anything illegal or anything wrong, I do not understand why they will be holding my phones for 30 days. I went to a branch in XXXX California and I showed all my documentations and credentials. The bank contacted the fraud department and their answer was the same that I have to wait for their investigation for 30 days. The account was not even a month old and I dont understand why the investigation of such a new account will take so long and my phones being on hold.
Consumer complaint received 2023-01-19
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, account XXXX has violated my rights. 15 US 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency absolutely can not furnish an account without my written instructions.
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

For the past few months now Ive been trying to create a credit report account with some credit agencies but they wouldnt allow me create so I can check my credit score. Ive tried XXXX, XXXX, XXXX, XXXX, XXXX XXXX and XXXX XXXX but they all wouldnt let me pull my credit report.
Consumer complaint received 2023-10-13
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. (NE)

I have no public records associated with my credit report. I find this situation unacceptable. I urgently request that you rectify this and remove these entries from my report. The situation is causing me significant anxiety and distress
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2023-04-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (NV)

The original debit reported was {$150.00}. I requested the last bill statement and that incurred an additional charge making the total {$160.00}. I paid the balance in full and the charge was removed from my credit report. The charge has reappeared and I confirmed with XXXX  it is paid in full. AmsherCollectionServices is hard to reach and if you do get an agent they are rude and not helpful.
Consumer complaint received 2023-09-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NJ)

Back in XXXX my credit got messed up, XXXXXXXX XXXX XXXX put in on report, I totally understand, XXXX  put in on my credit report twice with two XXXX  companies, now after five years they sell it to LVNV funding and they mark my credit report for a third time, so this is being held against me for twelve years, they make it where you can never get on your feet. XXXX made a lot of money off me since XXXX when I first received the card. I don't think I should be terrorized by them for twelve years.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (GA)

RE : Dispute Request for Removal under 15 USC 1681a ( 2i ), and 15 USC 1681c ( 5 ) of the Fair Credit Reporting Act ( FCRA ) : KIKOFF LENDING LLC- XXXX I am writing to formally request the immediate removal of the above-mentioned account from all of my consumer report ( s ). The inclusion of this inaccurate and outdated information constitutes a violation of my consumer rights under the FCRA, specifically : -15 USC 1681a ( 2 ) - : The reporting of inaccurate, outdated, or the information in my consumer report is prohibited. This account is prohibited and illegal to be reported on my credit/consumer report because it is a violation of 15 USC 1681a ( 2i ) : ( 2 ) Exclusions. consumer report does not include ( i ) a report containing information solely as to transactions or experiences between the consumer and the person making the report ; this account has listed the transactions and experiences on my consumer report and this is prohibited by federal law.

-15 USC 1681c ( 5 ) - : The FCRA grants me as the consumer the right to have obsolete information removed from their reports. This account is obsolete due to : being a direct volition and is in violation of -15 USC 1681c ( 5 ) - ( 5 ) : Any other adverse item of information, other than records of convictions of crimes are to be excluded. This account is no such.

Impact of inaccurate reporting : This act of reporting this account on my consumer report has caused me significant emotional distress, financial strain, and disruption to my daily life as well as loss of opportunities to increase income and also leverage to receive credit and loans. This is a direct violation of 15 U.S. Code 1691e, 15 U.S. Code 1691c, 15 U.S. Code 13, and 15 U.S. Code 1691.

KIKOFF LENDING LLC has compromised my financial stability and contributed to a deep sense of insecurity about my future financial well-being, reducing my ability to make a good living for myself and my family. I am experiencing heightened levels of stress, XXXX, and XXXX as I grapple with the loss and navigate the challenging financial consequences. 
It is difficult to remain focused and productive while coping with this overwhelming sense of loss and uncertainty. I have spent several hours in therapy to remedy the stress of potential losses, however, this has damaged the situation so much more.
Consumer complaint received 2023-04-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (TX)

The start of the new I received my credit report and I noticed things in error, So on XX/XX/XXXX I sent out letters regarding inaccurate and unknown things on my credit reports to XXXX, XXXX, and XXXX. On XX/XX/XXXX I sent a certified letter to Caine & Weiner company Inc and progressive with no response from progressive. After having my dispute ignored and feeling helpless I researched and found out that section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove this item from my credit report. It has now been well over 30 days which means it needs to be deleted promptly. I demand these accounts to be removed immediately or I will have no other choice but to file litigation due to the stress this has caused my family and I be effecting my credit score. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-11-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (CA)

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below WELLS FARGO DEALER SVC XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2018-10-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (AL)

XX/XX/18 payment made on XX/XX/18 reversed on XX/XX/18 XX/XX/18 payment made on XX/XX/18 reversed on XX/XX/18 XX/XX/18 payment made on XX/XX/18 reversed on XX/XX/18 XX/XX/18 payment made on XX/XX/18 reversed on XX/XX/18 XX/XX/18 payment made on XX/XX/18 reversed on XX/XX/18 XX/XX/18 payment made on XX/XX/18 reversed on XX/XX/18 We have proof that all of these payments cleared our bank and were paid to Ditech. After our first call to Ditech, it appears that the XXXX payment reversal has been reapplied to the account but we are not convinced that any errors that might have caused with interest and fees was corrected. We do have documentation for all of this but it contains the personal information that you said not to include. 

The only explanation that we have received for this is that Ditech is performing maintenance on our account and we will receive a new statement when the payments have been reapplied. This does not sound correct to us.
Consumer complaint received 2023-11-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (MA)

On XX/XX/2023 I was a victim of identity theft. The thief used my information to open a credit card with Apple Card/GS. They used the card to make purchases in the amount of {$3600.00}. None of these charges were legitimate.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-13
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: U.S. BANCORP (TX)

There are inquiries on my credit report that I did not authorize or know anything about. Most of the companies I never heard of. On XX/XX/XXXX I called all companies to ask about the inquiry on my credit reports and they stated that they did not have me in the system and that I was not a client or customer of theirs. I asked for a written form in the mail stating so and they would not comply. I then called XXXX and told them about the issue at hand. They told me that they will submit my complaints in and to wait 30 days for a response but I havent received one. Fast forward to today XX/XX/XXXX I decided to call XXXX again and they couldnt help me so they referred me to CFPB. I first called CFPB at XXXX spoke to the representative and told her what the issue was. As soon as I stated the issue, the rep hung up on me. I say that she ended the call purposely because I provided her with a call back number in case we get disconnected and she never called back. DATE : XX/XX/XXXX COMPANIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

These accounts affect me and are reported incorrectly, delete immediately 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 2023-05-06
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. (AL)

I have tried to report the inquiries on several occasions. I am unaware of the inquiries that are reported on my credit report. At the time these inquiries were reported I was XXXX. Its no way I authorize the inquiries on my credit profile. Its fraudulent XXXX reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XX/XX/XXXX XXXX XXXX  reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX reported XXXX XXXX I would like for the inquiries to be removed immediately off my credit profile I was XXXX  from XX/XX/XXXX until XX/XX/XXXX XXXX
Consumer complaint received 2023-10-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mnet Financial Inc (TX)

I had XXXX XXXX on both my feet in XX/XX/2022. At that time I was given an estimate of around {$1700.00} for the hospital and Dr. fees and paid that. Then a few months later I got a bill for {$2400.00} more for some screws, they put in my feet that I was not told about before the XXXX. Apparently the cost for these screws is XXXX and thats the source of the XXXX they want now. I have a pending claim with the no surprises helpdesk through XXXX. According to XXXX the claim is still pending and has been transferred to another department or agency that specializes in this kind of issue. I received a debt collection notice about a week ago, despite the claim still being pending
Consumer complaint received 2023-05-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

Bank of America : Balance {$1100.00} Account was closed and put into collections on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, ID XXXX XXXX 15 U.S. Code $ 1681c-2 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 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-11-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: JPMORGAN CHASE & CO. (NY)

Chase has egregiously pushed HELOC Acct XXXX into foreclosure to capitalize and profit on the increase in home value. 

When Chase offers modification, it is a balloon modification seeking e.g. {$200000.00} from the consumer to accept the modification. 

Chase has FAILED to provide XXXX loan modification decision by XXXX for Account XXXX as stated in attached Chase documentation. 

Chase has BLOCKED online and telephone access to the account. When I call or write Chase they do not provide requested account information ( modification decision, HELOC loan payment history, etc. ) - Chase must provide HELOC loan modification decision.

- Chase must provide detailed HELOC loan payment history from loan inception to present. 
- Chase must give consumer access & all documentation for account for XXXX See attached documentation for evidence.
Consumer complaint received 2023-11-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Lien release
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America financial institution fraud..stolen my property and equity... along with my personal bank account and they were served with a IV-D Court citation and after I did presented the court decree that they also had a copy along with the Texas Attorney General Office emailed with regards my property and personal bank account they had refused to return and granted me access to my personal bank account..financial institutions Bank of America... fraud..theft literally have had been in contempt to Court order
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC. (CA)

I went to pay my mortgage and discovered no money in my account. Over 10 days a company, called XXXX had debited my account up to 20 times in one day. I never received a fraud alert for these charges. I looked over my account and discovered charges had been coming from XXXX in increasing amounts over several months. XXXX has NO record of ever receiving these charges. I did not notice the charges immediately because I had 3 small loans with Affirm that I was paying regularly. Although Axos can not verify where the money went, nor can the company verify this money was ever received, I have not received my money back from XX/XX/XXXX. Now they are saying that it is past the 90 days, and they have already denied my claim. I have emailed multiple times, spoke with multiple customer relationship staff, and not allowed to speak with supervisors or people in power. Over {$4200.00} was taken from me with no idea where it went, but with no fraud protection.