davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: ALLY FINANCIAL INC. (TX)

Dear CFPB, I am writing to file a complaint against ALLY BANK for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ). The companys conduct has been egregious and harmful, affecting my rights and well-being. Here are the specific violations : XXXX and XXXX : ALLY BANK repeatedly contacted me using threatening language, causing emotional distress, and interfering with my daily life. 
Their relentless pursuit amounts to harassment and stalking, violating my rights under the FDCPA. 

Bodily Harm and Threats : ALLY BANK made veiled threats, implying bodily harm- not in the physical sense but rather in terms of my well-being and comfort, as well as other illegal actions if I did not pay. 
Such threats constitute bodily harm and are strictly prohibited under the FDCPA. 

False Reporting to Credit Bureaus : ALLY BANK inaccurately reported information to credit bureaus, damaging my creditworthiness.

These false statements have severe consequences for my financial well-being.

Unauthorized Fees : ALLY BANK added unauthorized fees to my debt, increasing the amount owed without proper justification.

This violates the FDCPAs prohibition against unfair practices.

Improper Handling of Post-Dated Checks : ALLY BANK deposited post-dated checks before the specified date, disregarding my instructions. 

Their actions violate the FDCPAs guidelines on handling payments. 


ALLY BANK falsely represented itself as a lender of money. ALLY BANK is impersonating the judicial branch and legislative branch of government, misleading me and imposing oppressive penalties without a trial by jury with their bills of attainder. 

This deceptive behavior undermines consumer rights and violates the FDCPA. 

False Statements and Misrepresentation of Debt Amount : ALLY BANK falsely claimed that I owed an inflated amount, misrepresenting the debt. 
Their actions violate the FDCPAs prohibition against deceptive practices.

In total, ALLY BANK has collected {$51000.00} in payments and currently requesting an additional {$4000.00} or they will sell my car.

I request a thorough investigation into ALLY BANKs practices and appropriate penalties. Please find attached relevant documentation, including communication records, credit reports, and any other evidence.

Thank you for your attention to this matter. I trust that the CFPB will take necessary action to protect consumers from such abusive practices. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-26
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: EQUIFAX, INC. (IL)

I am writing to dispute certain inquiries on my credit report that I believe to be inaccurate and unauthorized. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or recall authorizing.
Consumer complaint received 2023-03-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (SC)

I lived at XXXX at XXXX from XXXX with a roommate, XXXX. XXXX stayed in the apartment after I moved out, and we both signed a roommate addendum to remove me from the lease and all responsibility for rent went to XXXX. I never heard from XXXX at XXXX or XXXX after I moved out. On XX/XX/XXXX I received a collections letter in the mail from National Credit Systems stating that I owe {$2300.00} and that I have not made any arrangement to pay it. The itemized charges online say that two months of rent are owed and that our move out date was XX/XX/XXXX. I moved out long before this and was supposed to be removed from the lease by the apartment when I signed the document in XX/XX/XXXX. I never received any other notice from the apartment or collection company before receiving this letter. I have an email between me, the apartment, and XXXX XXXX giving permission to make the addendum for us to sign, but do not have a copy of the addendum because XXXX at XXXX did not respond to my requests for a copy of it.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PNC Bank N.A. (TX)

You have denied me for no reason. All reporting agencies have been notified and their response & or complaints are public record and can be viewed by using the information attached. I also contacted them via phone immediately after the denials and was told that EVERYTHING on this report across all bueros is correct and they have or will be updating information if necessary. When I tried to show proof of the errors or decision mistakes I was told " reconsidering is not an option '' " try again in 30 days- 6 months '' " it's a final decision and the results are automated '' " there is no department that can double check '' " the reason is the reason ''. I have proof of everything proving " the reason why '' list to be inaccurate BUT yet I can't even show it to anyone in this company because AI clearly rules it. That is illegal & unjust! I am a PRIME credit candidate and take my time, word, and finances very serious. Denying me without validated factual reason is deformation and a criminal act. I will file Suit if a reconsideration based off the attached report ( most up to date at the time of my application ) is not used in the decision process.
Consumer complaint received 2023-02-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

CALLING ALL SLS Mortgage CONSUMERS. I have e-mailed ( recognized as written request ) Specialized Loan Servicing ( SLS ) of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO XXXX to REFUND for the {$75.00} I paid included in my mortgage payment on XXXX. They billed me XXXX XXXX XXXX XXXX XXXX XXXX Charge each {$75.00}, I DID NOT Need this since I was speaking to them every month ( paying my mortgage end of the month ) and all the calls we had are recorded and I told them each time this was my homestead and only residence and I was not leaving. Every single month and their calls are recorded and the evidence is there. Those {$75.00} charges are fraudulent, unauthorized, unnotified, unapproved and illegal ( my property was not in danger of abandonment or otherwise at since the XXXX  I caught up and paid everything from COVID in full plus all the added charges they put on including a {$200.00} XXXX XXXX XXXX fee in XXXXXXXX  ). 

For two months now I have demanded copies of pictures, surveys, invoices I ever authorized, they noticed me about or otherwise. They can not legally take unilateral action and then allege it is true with no supporting documentation and then pass the bill to me when this was never done and never necessary for my condo. I demanded copies of any and all documents they are using in an alleged property preservation with basis, legal reason and requirement of necessity and no one has sent me anything. 
the last e-mail I got they told me to send it in writing ( which e-mails are recognized as written request ) but to mail it in and I did, to no avail. I had requested to get a call form management I have spoken to three managers and now 1 month waiting for another manager because each time they give me a different excuse and the last two recorded calls with the manager specifically said there should NOT have been a charge of ADVANCE EXPENSES NOR ABANDONMENT since my records reflect the trouble was in COVID and payments are always at the END of the month and none past 30 days. They STILL have not REFUNDED MY MONEY nor have they provided any type of documentation of who ordered this fraudulent charge on my account, who they allegedly paid it to illegally cause it was not necessary, any invoices, signatures, deposit or payments and this is just deceitful practices, defrauding consumers at their whim. 

I did a social media blast and realized by the responses this is a popular practice they employee each year with numerous consumers and a class action attorney is being consulted since this is an apparent continual pattern of SLS and they refuse to refund the improper charges and even have attempted to foreclose on a few loan holders. Like my case they all have been in contact constantly and their phone calls are recorded and they too have advised it is their homestead. Proof is in the calls thankfully recorded by SLS.
Consumer complaint received 2023-02-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (IL)

On XX/XX/2022, Citibank closed my account. They did not notify me of the account closure ( no email, no letter, no call ). 

I found out about the closure on XX/XX/XXXX when I couldn't log into my online portal. When I called Citibank to help me reset my password, I was met with a response that Citibank would be closing my account- they did not want to provide banking services for me anymore - and service members were not allowed to talk to me anymore followed by a prompt hang-up of the phone. After this, I called the Citibank branch in my hometown, and the banker there kept me on the line and called customer service on my behalf. He found out that the account was closed for " Fraud Absue '' despite there being no fraudulent activity. 

In the few days after XX/XX/XXXX, ( XX/XX/XXXX - XX/XX/XXXX ) I attempted calling customer service 6 times to get an answer. I eventually got to a supervisor who told me that the money would be sent to me within 60 days of the account closure and I would receive a letter detailing why the account was closed. 

I waited 61 days until XX/XX/XXXX to receive my money/letter. These never arrived so II began calling Citibank customer service again. Over the course of 3 weeks I had the issue escalated at least 5 times and was told to wait 2-5 days before calling back. I called every 2 days from XX/XX/XXXX - XX/XX/XXXX to see if there was an update and every single response I have received has been the same. The service reps or account supervisors all tell me that they have been trying to get in touch with the " back office '' but they have not been receiving a response. 

As far as I understand, the only thing the customer service/supervisors can do while sitting in the XXXX department is to send an email to the " back office '' asking them to send me a check. I have gotten confirmation from service reps that there has been no response from the " back office '' and that the issue should have been resolved by now. 

To this day, XX/XX/XXXX ( 89 days since closure ) I have still not received the funds from my wrongful account closure and have had no word that the back office has made any progress in issuing me a check. 

Please help me.
Consumer complaint received 2024-04-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Block, Inc. (TX)

I simply wanted to speak with someone about what the process of me returning the item I took a small loan for would be and if that money would be returned to them so I wouldn't habe to worry about paying it back. I was told by the XXXX customer service that department only communicates via email and to wait for their response but couldn't be given a timeframe of when that response would be and I think that given the urgency that type of communication could require at times would call for some other means of back and forth besides emails which could take days to get something resolved when every minute counts. It seems like a set up for failure and something should be done.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: StellarFinance, Inc. (CA)

I reported the information incorrect. I also filed a ftc report. spoken the burels and a creditor. XXXX XXXX is reporting last I am up to date so i inaccurately report, XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX are identity theft accounts. also have incorrect personal loan for XXXX XXXX XXXX The was identity theft as well still showing as a closed account it should be removed that is an inaccurate report. I have a Stellar finance Inc account open reporting the amount of {$310.00} inaccurate that was also fraud. and XXXX XXXX XXXX reporting late payments and inaccurate balance.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX  XXXX Balance : {$810.00} ; XXXX XXXX XXXXXXXX Balance : {$590.00} ; XXXX XXXX XXXXBalance : {$2300.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-04-20
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I have a credit card with Kohls ( the clothing store ). I have had auto pay for years. They cancelled my auto pay without notifying me. I checked my credit and noticed I had a late payment for kohls. I called the kohls credit center and they told me that they have the right to cancel auto pay without informing me. Thus they did not inform me. I was reported as 30 days late and it dropped my credit score significantly.
Consumer complaint received 2023-02-06
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. (TX)

I sent disputes to TransUnion, XXXX, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2023-02-06
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. (AL)

On XX/XX/XXXX, after being denied credit, I began the process of disputing information on my credit reports with information I believe to be inaccurate. TransUnion is the one and only credit reporting agency that has continually refused to start a proper investigation into my credit report, citing no less than twice they believe the letters I personally wrote stating " it didn't appear that you or a properly authorized third party sent it to us ''. These attempts to subvert investigations and neglectfully refusing to perform the required investigations within 30 days. After TransUnion 's first refusal, I immediately wrote back demanding the investigation, within the allowed 15 day extension, even though TransUnion neglectfully erred in their original decision. Next TransUnion stated they " were unable to determine the nature of my request or my request was illegible ''. But as clearly stated in my typed letter, it was extremely clear exactly what I was requesting. But after that letter, which was received on XX/XX/XXXX, I next wrote multiple letters disputing the accuracy of information being reported and once again, TransUnion refused to comply with my request, citing the same information as before. After multiple attempts, TransUnion is absolutely refusing to follow the law and perform an investigation as required under the FCRA. 

TransUnion did provide myself a copy of my credit report. 

Note : I did not include a copy of my drivers license or the bill I provided to TransUnion on each available time. 

At this time I am requesting a full investigation by the Consumer Financial Protection Bureau to why TransUnion refuses to comply with the law. I am attaching every letter send to TransUnion and received by TransUnion as evidence of the lack of reasonable procedures and policies in place to fulfill their obligations under the law. And I am demanding action to be taken against TransUnion for their repeated violations under the FCRA. 

TransUnion shall look to settle these illegal actions immediately, as this complaint goes further than simply TransUnion trying to bypass the law and investigate these as a dispute, I am looking for TransUnion 's settlement offers. 

Furthermore, during TransUnion 's investigation, all information, up to and including, but not limited to documentation and their sources must be provided to myself in writing to my mailing address.
Consumer complaint received 2024-11-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (WI)

I opened a checking account at BMO bank in XXXX and never had use it. Had {$2200.00} sent to me through XXXX and they can't be trusted either.I wanted to do a wire transfer and said it was fraud and it wasn't if it eas it would of been sent back.and the person that sent it made out a report on it the XXXX XXXXXXXX going to be used for towards my XXXX XXXXXXXX he has a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which he didn't get his XXXX cause they froze my account I've emailed 4 or 5 times to the banker and.I don't get any where from them I went in last week was going to close it and to get my money and they said we can't give you your money or close account cause they were waiting back to hear from XXXX I'm sorry it's almost 4 months and all I get is a run around. I need your help Thank you XXXX
Consumer complaint received 2024-04-20
Product: Credit card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (HI)

On XXXX separate dates I received inquiries on my transunion report. XXXX was an attempt to open a store card with XXXX on XX/XX/year>. That inquiry appears to be related to a The Home Depot credit card with Citi. The other attempt was made on XX/XX/year> and was for a XXXX, XXXX. store card. 

I did not apply for either card and I attempted to call both CITI BANK NA and both store card Companies but was unable to get in touch.

CITI BANK NA did eventually call me back and I was told that there was no attempt to open credit with them, though I argued that I can see the attempts via my credit monitoring services. No attempt at a resolution was offered. 

I then called XXXX again and was told to file an FTC report which I am doing.
Consumer complaint received 2024-04-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RSH & Associates, LLC (TX)

I am filing a complaint against RSH & Associates LLC I received a notification from the credit bureaus that an account was opened XX/XX/2018 XXXX  years ago. in the amount of {$390.00}, acct # XXXX I never had an account opened with XXXX XXXX, never received a debt validation letter confirming the details of the debt. this company never tried to contact me by letter or phone. I have a fraud alert on my credit @ all ( XXXX ) bureaus due to previous identity theft accounts. I have also filed a FTC identity report # XXXX this company RSH continues to report this account on my credit report, after I filed a Identity theft report with the FTC XXXX
Consumer complaint received 2024-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Last XXXX i filed claims of fraudulent and unauthorized activity on my XXXX B of A account The bank reconsidered in my favor and awarded me over {$18000.00} dollars They have yet to pay me what i asked for, which im rightfully due. After hundreds of attempts i am writing a complaint because im being XXXX and XXXX  by Bank of America. I need help retrieving my funds that I deserve
Consumer complaint received 2024-04-19
Product: Debt collection — Mortgage debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: NEW YORK COMMUNITY BANCORP INC (CA)

This lady came over the house representing Flagstar Bank my wife was coming out to do an errand and the lady call out from XXXX XXXX XXXX my name XXXX I have it on video my wife told her was going on she said its about your mortgage youre behind on some payments but she couldnt say no more and gave my wife this letter from the mortgage company. My wife was so embarrassed because my neighbor was Outside. Now we all feel humiliated and embarrassed by the bank actions when I already had made arrangements to pay on the XXXX XXXX XXXXXXXX. I did call today the XXXXXXXX XXXX XXXX they denied that I had made any arrangements and that the lady did not represent the bank
Consumer complaint received 2023-07-15
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: ENOVA INTERNATIONAL, INC. (DC)

The company Netcredit has closed a complaint I have put in on XX/XX/2023 today, XX/XX/2023 stating I opened a loan and didn't reached out to them, which is a complete LIE!!! I have sent emails stating the police report number letting the company the it will be weeks before the report is generated. I am going to continue to send complaints until this resolved.
Consumer complaint received 2024-11-20
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. (NY)

I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.