davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC. (VA)

I am a client of Ally Bank, an online bank headquartered in XXXX, Utah. On Wednesday XX/XX/24, an outgoing wire of {$70000.00} was made from my savings account without my consent, permission, or knowledge. That day, I had received a call from a scammer impersonating a representative from the Ally Bank Fraud department. They said that my account had been compromised and asked for my one-time passcode for security purposes, to verify my identity, so that they could reverse the transfer. I gave it to them. They said the wire transfer would be reversed but that I'd be locked out of my account until XXXX  XX/XX/24. 

On XX/XX/24 I logged into my account online and the wire transfer had not been reversed, so I contacted Ally Bank 's fraud department. It was extremely hard to get through and I was on hold for a total of more than XXXX hours. They said they had never contacted me, that I had been the victim of a scam, and that they would try to recover the funds, but it would be " tricky. '' They will not guarantee that they can reimburse the funds but said I would be contacted within XXXX days about the issue. They created a new account for me but it took a week for me to be able to access the {$30000.00} in funds remaining in my old savings account ( the one that was compromised ). 

According to my online bank statement with Ally, the wire was made to XXXX XXXX : XXXX XXXX  : XXXX  XXXX XXXX XXXX. XXXX  : XXXX NAME : XXXX XXXX XXXX XXXX XXXX XXXX ID : XXXX I also have a call-back phone number for the scammer, " XXXX XXXX XXXX XXXX XXXX. 

This money was for a down payment on a house I am planning to purchase. 

My complaint can be satisfactorily addressed with the return of the {$70000.00} taken by scammer from my account without my knowledge or consent. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX, VA XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MI)

This is my 4th complaint lodged against this company. 
In a complaint ( # XXXX ) filed thru the CFPB on XX/XX/XXXX which was my second complaint about their actions & behavior, I stated the following : I will conduct all further engagement with them via USPS mail. In addition, I will not accept any calls from them & will deem any call from them henceforth to be of a harassing nature & will treat as such. Thats direct & to the point. I further stated : I will also forward a copy of this to my attorney. I will also contact the Federal & State authorities about this matter. Again, direct & to the point. These statements were written on XXXX XXXX. 
On XXXX XXXX I received a written response to my complaint of XX/XX/XXXX. In regard to loan number ending XXXX LoanCare wrote and specifically Ms. XXXX XXXX was the author, that at the top of page 2 stated We received a request from you to cease telephone communications on the account and on XXXX XXXX, the account was updated with the cease and desist request. In regard to loan number ending XXXX about two thirds down page 2 it stated : We received a request from you to cease telephone communications on  the account and are in the process of updating the account with the request. Really?? Seriously??!!!! It takes you an additional week to get to implementing that demand when you are already doing my other account at time you drafted the letter?? But its LoanCare so guess I shouldnt be surprised.

Guess I shouldnt be too surprised either to be on the receiving end of continued telephone harassment by your company. As of todays date I have received no less than 4 phone calls from LoanCare since the  above complaint was made and that letter of XX/XX/XXXX stating they were updating to indicate a cease & desist with both loan accounts. All calls were logged & recorded. I was very clear about how any calls would be considered & treated. Therefore, Ill be very clear with LoanCare exactly what is going to happen. As promised I will make certain that any & all Local, State & Federal agencies are aware of this continued harassment that is occurring in direct contradiction to what LoanCare said it would do & agreed to in writing. In addition I will seek any & all  sanctions, investigations and actions up to and including civil & criminal. I spelled out in my original CFPB complaint of XX/XX/XXXX that I would ONLY engage with LoanCare via written communication thru USPS. Let me spell that out for you in case you missed the obvious. By stating I will conduct all further engagement with them via USPS mail.. that means just that and ONLY that and no emails either. Based on their past performance with their website I will NOT engage with them online as for all I know their online communications could harbor malware, ransomware or viruses. Written communication thru USPS means just that with no room for creative interpretation.
Consumer complaint received 2019-04-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UMPQUA HOLDINGS CORPORATION (WA)

RDC ( Remote Deposit Capture ) - banking institution Umpqua Bank received digital information from deposit documets captured by affiliate institutions/other banks : XXXX XXXX, Mobile RDC, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. These institution are regulated by FDIC, Federal Financial Institutions Council - and Federal branches. 
The bank position : " go to file a claim with your insurance company ''
Consumer complaint received 2020-07-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (CO)

Dear Sir or Madam, recently I was unpleasantly surprised to find that my credit score had gone down a lot because of the collection agency " Caine & Weiner ''. Until now, because of the way " Caine & Weiner ''  conducts business I thought that the person who was calling me back in 2017 was just a scummer trying to get to my bank account. 
Each time he had called me I ask him to identify himself but not over the phone. Each time he had called me, I'd told him if he was who he said he was, he should follow the FCRA legislation, as a collection agency, there are some steps to take prior to contacting any " delinquent '' over the phone. 
I told him that, " the consumers have 30 days from the initial communication about the debt ( for example, the first letter received explaining the debt is in collections ) to call the collector and ask for the debt to be verified in writing. The collector must return your request before it can start trying to collect the debt again. '' Because in my case the initial communication was missing, I asked him to send me a letter with all the information 's just to prove he was who he said he was and also I wanted to see the statement, the invoice, from XXXX XXXX, that reflected my " delinquent activity '' with the bank, knowing that my XXXX XXXX Credit Card issued by XXXX XXXX  as well as the other Credit Cards issued by XXXX XXXX  like XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX were in good standing at that time and still are in good standing at the present. 
Every single time he had called me, his first question was if I was ready to make a payment and what card or bank account I was going to use, not just disregarding my request to prove who he was, but actually telling me he wasn't gon na send me any letter with all the pieces of information I was asking for, making me believe that he was just another scammer. 
I hope he still has all the recorded conversations to prove everything I write down in this statement.
Consumer complaint received 2024-03-27
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

I received what I thought was a legitimate letter that included a lot of detailed information about myself. I paid the full amount online, and then came into work this morning and showed the letter to my boss and he investigated it online. I called my credit card company this morning to dispute the payment I made the night before.
Consumer complaint received 2023-03-21
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. (OK)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my credit report? 
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of Verification-Description of reinvestigation procedure.
Consumer complaint received 2016-05-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

BEFORE THERE BECAME A BALANCE I ATTEMPTED TO WORK WITH XXXX TO GET THE BALANCE PAID. THEY WERE UNWILLING TO WORK WITH ME. I HAVE EVEN REPORTED THE CUSTOMER SERVICE AND THE HANGING UP ON ME. LONG WAITS ON NUMEROUS SITES AS WELL AS HERE.
Consumer complaint received 2016-03-27
Product: Prepaid card — Other special purpose card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY (FL)

I 've complained before about these rebate/reward cards and the fees because traditionally a fee comes with a service and they provide zero service. They take a monthly fee for what, not using it, kind of backwards logic but of course makes banks rich while robbing consumers. 

This complaint is not about that though. So I tried to use XXXX of my cards and it was denied presumably because I did not have the full amount available on the card which is XXXX point # 1. So you ca n't use the balance and pay the rest with another means of payment??? 

For convenience and so AMEX does n't miss responses which they traditionally do, that is question XXXX and I 'll make a list : 1 ) Can consumers pay with a reward card and even if the balance is not available for full payment, apply a partial payment? If not, why, too technically advanced for banking??? 
2 ) I would love to know how many cards other than being robbed with the fees, end up with small balances that never get used because you ca n't go over with the purchase??? i would basically like to know the possibility/probability of using down to the penny. 
3 ) To top everything off, I was charged a {$1.00} fee for attempting to use the card and for what??? 

This is just more ripping off the consumer to make millions and millions in profit ... In processing the note was that AMEX denied the charge, not the processing company, AMEX so this is their issue, their shortcoming, their greed ... 

The card number for reference is XXXX XXXX
Consumer complaint received 2023-03-19
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: Experian Information Solutions Inc. (TX)

In Accordance With the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, Account : XXXX XXXXXXXX Account Number : XXXX Account : XXXXXXXX XXXX  Account Number : XXXX Account XXXX XXXX XXXX XXXX Account Number : XXXX Account : XXXX XXXXXXXX XXXX Account Number : XXXX Account : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account : XXXX XXXX XXXX Account Number : XXXX XXXX5 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 an 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 if 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 the the information is inaccurate.
Consumer complaint received 2022-11-05
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: Experian Information Solutions Inc. (MA)

Experian has taken more than 30 days to investigate XXXX account XXXX. Experian stated that they have verified this account to be accurate. The Date Last Reported has never changed since I dispute this account multiple times over the past 2 years. The date last reported should be updated to the date last investigated. The Date Last Reported has not changed which means Experian did not investigate this account XXXX as required per the FCRA. Because the Date Last Reported did not change to the date last investigated this is a violation of the FCRA requirements. I have attached affidavit of Truth and supporting documentation with this dispute.
Consumer complaint received 2019-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

Please remove all Freezes and Fraud Alerts from my file. I have attached my ID and Mailing address as well. I am trying to buy a car this month and I need ALL Freeze/Blocks/Fraud alerts removed ASAP.
Consumer complaint received 2019-09-19
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. (IL)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The credit agency XXXX, Transunion and XXXX  have not verified my dispute and refused to remove the Bnackruptcy from my report.
Consumer complaint received 2022-11-05
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: MOHELA (FL)

My student loan were reported to my credit without any consent or knowledge. Which reporter in my credit decreased. 

2019 8 student loans on my credit report. All 3 credit XXXX, XXXX Ive since then been calling and get no help. As to why was my student loans reported to my credit
Consumer complaint received 2023-06-13
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: EQUIFAX, INC. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-03-19
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: Experian Information Solutions Inc. (FL)

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  ; 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 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 2024-03-27
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC. (CA)

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered because of your violation for {$10000.00} pursuant to FCRA 616 ( a ) ( I ) ( B ) [ 15 U.S.C. 1681n ].
Consumer complaint received 2023-03-19
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: Experian Information Solutions Inc. (MD)

I file Bankruptcy XX/XX/23 and all creditors have been notified. The credit reporting company has reported being notified and still had the balances on my report as well as open accounts they were closed. They have not given me a copy of the report every time I sent the ID & Proof of address they request they ignore me. They are reporting inaccurate, not providing me a copy of my report, not updating my new balance decreases. They still have so many inaccuracies reporting even after they were notified. XXXX accounts were closed, cc were closed XXXX balances, car loan closed no balance/
Consumer complaint received 2020-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. ()

I live in XXXX, and get bi-weekly deposits from my employer to my Chase account since I am a remote worker. 

on XX/XX/XXXX, my account got locked for fraudulent activity after I made a payment through XXXX for XXXX  music lessons. I have called Chase over 10 times, and they told me the only thing I can do is to go physically in a chase branch to get this resolved. 
This is unacceptable since I am in XXXX, and going to the United States is a danger to my health as of now.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (IN)

On XXXX XXXX I contacted XXXX credit management about a collection they would not give me any information then again on XX/XX/year> spoke to them again and the lady told me this debt was no longer with them and told me to call XXXX XXXXt they also could not give me any info and told me to call XXXX XXXX XXXX they guy told me the information on this debt was wrong and the acct is closed but on my report it said open
Consumer complaint received 2022-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (FL)

I've been calling Caliber Home Loans numerous times since XXXX of this year, attempting to speak with a competent person that can explain why Caliber Home Loans took {$2000.00} out of my escrow account unexpectedly on XX/XX/2022. I have been calling to understand why this action took place and to ensure the money is promptly put back into my account. The money taken from Caliber is money I had added to my account of my own free will and for the purpose of lowering my mortgage payment each month. The money was taken out of my escrow account after I had paid the same amount ( {$2000.00} ) into the account XX/XX/2022. After numerous attempts calling and explaining this problem to Caliber 's customer service line, spending hours on the phone and speaking with multiple people in the Insurance Department, Escalation Department, and Customer Care Department, I have not had one person able to offer a solution. Each person I would speak to usually ended up telling me that I needed to speak with another department and/or that someone would reach out to me to help. During my last several attempts at calling Caliber Home Loans, I had been very explicit that I needed to speak with a " Level 3 Agent '', as it was explained to me by customer care that these agents are the highest level of management for customer service and that Level 3 Agents are qualified to help with a problem such as mine. Despite making several attempts to speak with Level 3 Agents on different days, each time it was explained to me that Level 3 Agents are not available and they would call me back within 72hrs. Since my last attempt on XX/XX/2022 I have not received a call, text, email, or any other form of communication from one individual at Caliber Home Loans since first reaching out with this problem.
Consumer complaint received 2019-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

As of XXXX XXXX today, all 3 credit bureaus can not accept online disputes. How is that possible? I am starting to think this whole thing is a scam. How can they all be having technical issues at the same time on the same day?
Consumer complaint received 2019-10-04
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. (TN)

I'm relocating to LA and looking to purchasing a condo. I checked my credit score just to see what was on my report because I haven't checked it in a minute. While checking my report I saw a couple of items that are not mine. This is fraud so I have taken the liberty of reporting it to the police as well and FTC. XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX.