davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-03
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC. (FL)

I have 4 savings accounts and one checking account with Ally. XXXX XXXX I was a victim of a scam. Unfortunately, I wrote checks to cash and used an ATM to access cash to send to the thieves. All of the transactions were initiated by me, I had money in my accounts to cover the transactions, and yes, they did look suspicious. Once I figured out I was a vicitim of a scam, I called my local Sherrif 's department and filed a case with them that is under investigation. I then called Ally and had them stop a wire transfer that I had initiated, which was thankfully able to be stopped. The evening of XX/XX/2024, I received notice from Ally that all my accounts had been frozen and were under investigation with their fraud department. I have called multiple times to find out the status and explained over and over that even though they looked suspicious, the transactions were indeed legitimate. Ally will not give me any information about my accounts or when I will have access to my money. Finally on XX/XX/2024 I told them to close all my accounts. I have just gotten off the phone with them again ( XX/XX/XXXX ) and I have been told again that they don't know when I will get my money and my accounts closed, as their investigators are still handling it. I need my money. I have done nothing wrong yet they are penalizing me by not letting me access my money. They are holding my money for no reason and as far as I'm concerned they are no better than the thieves that scammed me. I don't have any of the account numbers because my statements don't contain the entire numbers and I can't even log on to Ally to obtain this information. Please help.
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: FISERV INC. (TX)

without any advanced notice this company is withholding payroll funds paid to me by my employer. They expect information from me that is not easily obtainable. customer service was rude and absolutely no help. How is this legal without any notice or warning that without certain information, immediately, my payroll was going to be withheld from me? I have rent to pay and will most likely become homeless because of this. Ive worked for a year while using this card working for the same company and prior to this every deposit and/or withdrawal has gone through without the information they are demanding now. what is the difference?
Consumer complaint received 2023-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 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 can not furnish a account without my written instructions.

1.Account number XXXX XXXX XXXX XXXX XXXX Open Date opened XX/XX/XXXX Account type Auto Loan {$21000.00} 2.Account number-XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Account type Collection {$580.00} 3.Account number-XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Date opened XX/XX/XXXX Account type Collection {$1100.00} 4.Account numberXXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account type Collection {$730.00} 5.Account number XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account type Collection {$490.00} These Addresses Are False And One Doesn't Even Exist XXXX XXXX XXXX XXXX XXXX  ( Doesn't Exist ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 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 can not furnish a account without my written instructions. 
1.Account number XXXX XXXX XXXX XXXX Open/closed Open Date opened XX/XX/XXXX Account type Auto Loan {$21000.00} 2.Account number-XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Account type Collection {$580.00} 3.Account number-XXXX XXXX  XXXX Original creditor : XXXX XXXX XXXX Date opened XX/XX/XXXX Account type Collection {$1100.00} 4.Account number-XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account type Collection {$730.00} 5.Account number -XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account type Collection {$490.00} These Addresses Are False And One Doesn't Even Exist XXXX XXXX XXXX XXXX XXXX ( Doesn't Exist ) XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

The is regurding my chase bank account, Im try to send a XXXX transaction to one of my friend, but the transaction was reject, and my account was block, so i did try contact the bank and let them know that I do authorized this transaction and try to resolve this issues. but they block my account and Im not able to see my online banking and any other transaction and account details are not available to share, since its on the weekends, and the bank is closed they are not letting me to sign in to my online account.
Consumer complaint received 2023-02-07
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. (GA)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX ; XXXX XX/XX/2021 ; XXXX XX/XX/2021.
Consumer complaint received 2022-11-27
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. (NY)

THE COMPANY WHICH IS LISTED HAS FAILED TO ASSIST ME WITH MY PROBLEM WHICH HAS CAUSED LIFE VERY STRESSFUL AND HAS CAUSED ME TO LOSE MY JOB AND BEEN LOSING ON ALOT OPPORTUNITY. 

XXXX XXXX  Account number XXXX Date opened XX/XX/2015 Balance {$3800.00} XXXX XXXX XXXX XXXX XXXX, DE XXXX
Consumer complaint received 2021-04-21
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I was being investigated for fraud by unemployment of maryland however this was resolved. They have tried to process 13 payments but they were rejected by bank of america because the card and account is frozen. I have contacted unemployment and bank of america they said they are waiting for further guidance on how to deal with this. They owe me now {$5200.00} dollars and three months without payment and wont even allow me to switch my option to paper check. I NEED ANSWERS
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Ability Recovery Services, LLC (TX)

I was XXXX at the XXXX XXXX XXXX XXXXXXXX XXXX in XX/XX/2022 and was taken by ambulance to the hospital. I was billed for these services while under the care of the state. I had a pre existing injury called XXXX XXXXXXXX. On my credit report is the company .XXXX XXXX XXXX XXXX  Complaint was opened XX/XX/2022 and I was XXXX XXXX of XXXX until XX/XX/2022 XXXX
Consumer complaint received 2023-02-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (VA)

XXXX XXXX, I began the process of refinancing my home through Wells Fargo ( WF ). Currently, they are my mortgage company. I was told I needed to have the home appraised and the cost would be {$600.00}. I paid and in XX/XX/XXXX the home was appraised. The Valuation Report was sent to Wells Fargo for an underwriting review. This is where things got sticky. The Wells Fargo representative verified all the documents I submitted. Everything was going smoothly until I was asked about a home I returned to XXXX  in XX/XX/XXXX due to financial difficulties I was experiencing. Although I voluntarily returned the home to XXXX after attempts to complete a short sale, it is listed as a foreclosure. Furthermore, the WF rep asked for various documents from XXXX such as payroll documents as check stubs, income taxes, billing statements from the XXXX XXXX XXXX where my son went to college. I informed the rep that I was employed with the XXXX XXXX XXXX at the time. Once an employee leaves the agency, payroll records are not maintained. Also, my XXXX graduated in XXXX. The university no longer maintained the billing statements. Lastly, I only keep tax records for XXXX yrs after filing. Therefore, I only had tax docs dating back to XXXX. I provided the WF representative a copy of the Letter of Explanation sent to XXXX discussing the circumstances surrounding my returning the home. 

The WF rep was also asking for detailed information regarding my FHA loan. WF was the holder of my mortgage at the time. Therefore, the information regarding the FHA loan was already on file. 

Note, at the time ( XX/XX/XXXX ), XX/XX/XXXX was more than 7 years prior. It is my understanding that financial institutions can not request information or ask for documents, etc., about incidents that occurred more that 7 years prior. 

Bottom line : Wells Fargo asked for information that did not align with the preliminary assessment I completed for them before being assigned a representative and was outside the 7 year window. 
I felt this tactic was used to substantiate denying me the loan. For the record, I am a XXXX American female over the age of XXXX.
Consumer complaint received 2021-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (GA)

MRSBPO is attempting to collect a debt not owed. I have never had an account or entered into any consumer credit transaction with MRSBPO. MRSBPO is in violation of 15 USC 1692 FDCPA ( Fair Debt Collection Practices Act ). Please see attached Avidavit of Truth.
Consumer complaint received 2024-03-27
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 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 can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC (IL)

I sent my letter off XX/XX/2023 I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. I have also filed an FTC report the number is XXXX. 

According to the FRCA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified, but how is that possible if they did not do a proper investigation according to the law? Also every piece of information on these are still accounts are still not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

I have called Wakefield personally several times and the one representative told me to stop watching XXXX. I have sent letters and made calls to all three bureaus. This is preventing me from moving forward. As you see this is the only negative on my account. Please help me to get this removed.
Consumer complaint received 2019-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Second Round Limited Partnership, Austin, TX Branch (GA)

You have 1 account in Collections Account Name Original Creditor Open Date Balance Debt Contact Information SECOND ROUND LP XXXX XXXX XXXX XX/XX/2017 {$600.00} {$600.00} XXXX XXXX XXXX XXXX  XXXX, TX XXXX ( XXXX ) XXXX This account has repeatedly shown up on my credit report even after proof has been provided that it's not mine. I have no luck with communication with this company and no responses.
Consumer complaint received 2023-02-02
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: Experian Information Solutions Inc. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2023-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (IL)

I closed my account with CB Indigo which also goes by the name of Genesis FS Card Services. CB Indigo had applied excessive over the limit fees to my account after the account was closed. They then fraudulently sold my account to a collection 's agency who attached themselves to my credit reporting agencies trying to collect a debt they are not entitled to. The collection 's agency will not be mentioned in this report because a complaint went out to them on or after XX/XX/XXXX. On XX/XX/XXXX their investigative findings ruled in my favor and any further attempts to collect the debt has been suspended with notifications going out to all of the three major credit bureaus to discontinue any further negative reporting. 

On XX/XX/XXXX I called CB Indigo aka genesis fs card to pay off my balance and close the account. The call taker ask why I wanted to close the account and I informed to her that a XXXX XXXX XXXX  line of credit was no longer beneficial to me. Furthermore, I told her that I had much higher credit limits on other accounts and that this account was never going to increase it's credit line. She said she understood and proceeded to look over my account. She stated the the balance was {$260.00}. I gave her my XXXX debit card info and processed the payment. She asked if there was anything else needed and I said no and we closed out the conversation. About a month later I received a notice indicating I had an outstanding balance. I called them and this time the call taker informed me that my account was over the {$300.00} limit. I informed her that the account had been paid in full and the account was closed effective XX/XX/XXXX. She then stated the payment was charged back to my account at which time I told her to hold on as I pulled up my bank statements form XXXX XXXX. I looked over the account and informed her that the payment was never charged back to my account and the payment was processed and cleared. She further looked over my account and stated a mistake had occurred on their end and she was going to correct the problem. She went on to say those were fee assessments. She then stated she removed the fees and informed me that account was paid in full, with a XXXX balance making the account whole. I thanked her and the conversation ended. In XX/XX/XXXX seven months later I received a letter from genesis fs card services stating that my account had been charged off due to an outstanding balance of {$280.00}. 

My bank statements clearly show the payment was received and processed. I reached out to CB Indigo several times to no avail. I have paid for a credit repair company to intervene as well. Still the results all have been the same. The credit repair company informed me to obtain a law firm to handle my case. I did that and the law firm informed me to contact CFPB. So, I have escalated this all the way to this Bureau for assistance. I have documents that will support all of what I stated.
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

The XXXX XXXX on my credit report needs to be removed or deleted. This account does not belong to me, I have no contract with this agency. This account has been deleted off my XXXX credit report and needs to be delete off my equifax report as well. Attached is proof.
Consumer complaint received 2023-01-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (AL)

I filed for lost mitigation with my mortgage company. They refuse to accept my self employment information. That was the last information that needed to be submitted for the company to consider my options. I gave them a copy of my tax return and they did not accept it. On my tax return my signature was not on the second page of the form. That was because my tax form was electronically submitted. In my tax return documents there was an electronic postmark certification of electronic filing. I was told that my tax return would not be accepted because my signature was not on the second page and the electronic postmark does not matter. I was also told that if I sign it and submit it that still would not matter. The company has a statement on their website that says a copy of my tax transcript can be submitted. I submitted it and they will not say why they will not accept the form. When asked they just tell me the information about the signature on my tax return. I have ringing in both of my ears that comes with pain and pressure. I do not have hearing loss but the ear exam that I submitted with my application shows the vibrations of the ringing. I was told since there is no hearing loss I can not be classified as having tinnitus so that I can get XXXX. I changed occupations and have been dealing with my issues but it became hard this last year because the pain would get so bad I could not get out of bed most days. I tried a natural remedy and it reduced the pain enough to get out of bed and work through it. I was asking for help for the last year and not long term assistance. I would like for the company to look at my application and see if there is anything that can be done based off the fact that I submitted all of the documents required.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/, to update this misleading information. I think you have not validated these accounts : XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2900.00}
Consumer complaint received 2023-01-07
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: Experian Information Solutions Inc. (TX)

I have contacted Experian, XXXX and XXXX about the fraudulent student loan accounts on my credit report. I have submitted a federal trade commission affidavit, police report and notarized letter explaining the fraudulent information. I demand for the information to be blocked and removed per fxra section 609.
Consumer complaint received 2023-01-07
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. (TX)

I have contacted XXXX, Equifax and XXXX about the fraudulent student loan accounts on my credit report. I have submitted a federal trade commission affidavit, police report and notarized letter explaining the fraudulent information. I demand for the information to be blocked and removed per fxra section 609.
Consumer complaint received 2023-01-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (CA)

I am getting repeated robo-calls from XXXX - Harris and Harris Ltd . They ask me to call back at XXXX. 

I don't have any outstanding debts, and this is just a harassing scammer that won't stop calling.
Consumer complaint received 2023-01-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Essential Lending Inc (TX)

I applied for a loan at Wiseloan in the amount of XXXX I have paid them twice. in the amount of XXXX each .... I did not realize they were charging me over XXXX for XXXX. XXXX This is more than 3 times the amount I borrowed which I feel is ridiculous. 
My major complaint is I feel this company is taking advantage of consumers like myself that did not notice we would be charged that much more than what I borrowed. 
I feel that it is very unfair and when you can't pay those large amounts, they threaten to place the balance owed on my credit ....