davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (CA)

My complaint is as follows : I have communicated with Ally Bank Corp./Ally Bank/Ally Financial Inc./Ally XXXX XXXX XXXX XXXX dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They acknowledged receipt on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as shown in the documents attached with this formal written complaint. I expressed concerns regarding security fraud, identity theft, UCC violations, and requested Proof of Debt. As previously outlined in my letters to both XXXX XXXXXXXX ( The Registered Agent of Ally Bank ), and the finance company, the issue of security fraud, identity theft, and potential XXXX violations remain unaddressed. If Ally Bank Corp./Ally Bank/Ally Financial Inc./Ally , can not provide Proof of Debt through indebtedness, the Wet Ink Promissory Note, demonstrating that they haven't capitalized from the Sale of the Instrument, I kindly request a refund of my previous payments plus interest, the balance of the Account ending in XXXX XXXX XXXX reflecting as paid in full, and the Title for the XXXX XXXX XXXX XXXX XXXX. Please reference relevant legal codes if necessary. 
I would also like to make the Consumer Finance Protection Bureau aware of the following : Since I began exercising my legal rights as a consumer, Ally Bank Corp./Ally Bank/Ally Financial Inc./Ally has retaliated against me by restricting my account and putting me under duress by rejecting my Tender of Payment. Since my account is on restriction, I am unable to make payments and I believe that they are putting me in a position where my vehicle will get repossessed. I have a XXXX daughter that I take XXXX XXXX  daily and to her XXXX  activities. To my knowledge, retaliation is illegal, unethical, and unfair business practices. Their actions have caused me to suffer great XXXX, stress, and XXXX.
Consumer complaint received 2024-03-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (OK)

My credit card balance increased by {$1400.00} even though I had only spent {$550.00}, in processed transactions to date, during this billing period. 

We also made over {$1000.00} worth of credit card payments. 

So how did my balance increase by {$1400.00} when I did not even spend that much? 

The only fee charged during this cycle was reversed. 

I am concerned that this may have happened more times than I have realized, and I would like for it to be investigated.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (CA)

As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you XXXX XXXX, Discover Bank, XXXX XXXX XXXX  & XXXX XXXX, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 30 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you reported these accounts in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. You companies are causing Damages : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act. this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
Consumer complaint received 2024-03-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (PA)

XXXX XXXX has reported to my credit report owed XXXX Comenity Bank/Giant Eagle in the amount of {$3200.00}. This creditor has written this debt off so the debt is no longer owed and and not to be pursued. Please remove this from all XXXX credit reports immediately.
Consumer complaint received 2021-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (CA)

In XX/XX/XXXX my vehicle was involved in a hit in run the vehicle was a XXXX XXXX XXXX XXXX XXXX the car was totaled my insurance company paid the total loss of the vehicle XXXX XXXX who paid the amount to the lender Ally financial I contacted Gap insurance I believe the claim was taken care of. One year later, I was informed by XXXX that a new account was on my credit report. Ally financial placed a balance of XXXX on my credit not only did Ally Financial not inform me of this balance existed. I was never informed nor was I given a chance to provide proof to the insurance company of the payoff not only did this drop my score my 60 points I spent over a year disputing this account if the insurance company did not pay the balance I should have been able to make a payment plan however this amount needs to be written off the gap insurance contacted Ally if they did not respond within the time frame I should not be held accountable. I sent numerous documents to XXXX that showed. I did not owe this balance. I believe this account was resolved it shows up on my credit report as account closed yet this is not correct. I recently found out after having my credit report ran several different times that this account is showing up as a negative remark and this has caused me not to be able to get financed for a vehicle. I spent countless time building my credit and Ally Financial has caused me great hardships and embarrassment. I work on on building up my credit there is not a lending company that will finance me unless the payment is extremely high. I spent a year trying to remove this mark off my credit report Ally Financial has bullied me and ruined by credit I've been trying to get my credit back since this incorrect has been placed on it.
Consumer complaint received 2024-03-04
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: FIRST NATIONAL BANK OF OMAHA (CA)

On XX/XX/year>, I received email alert about new inquiry on my credit report. When I checked, it was a hard inquiry by FNB OMAHA. I tried calling their number, with no response. 

On XX/XX/year>, I received another email about the same issue. ( Several of my credit cards offer this service. ) This time, I tried calling FNB OMAHA again, and got bounced to a voicemail that was garbled and difficult to understand. 

Since this was on my XXXX report, I tried to dispute this - only to find out inquiries can not be disputed. But they did take a fraud alert for my credit report. She then recommended I file an identity theft report with my police department. I explained that I am XXXX and XXXX so she gave me " FTC.gov '', which switched me over to you. 

As I told XXXX, neither I nor anyone else in my house applied for any type of credit with this bank - ever.
Consumer complaint received 2019-05-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I found an unexplained fee of {$1700.00}. on our Mortgage Statement from Select Portfolio Servicing ( SPS ) on XX/XX/19. I called SPS and determined it was legal fee from a foreclosure under our original lender, XXXX XXXX. I reported to SPS that this fee was not something we were liable for. During the collapse of the housing market, we were deeply underwater. We called XXXX XXXX about the new federal HAP. They told us we had to let our payments fall behind by at least two months before they would even discuss the program with us. We followed their direction, withheld payment, and submitted all the forms as requested. We were told specifically that as long as we had submitted our application for the government supported program, and were in contact with our lender, which we were constantly, there would be no foreclosure process initiated. 

That's when someone knocked on our door asking to see the house because it was listed as for sale at an auction THE NEXT DAY! I got on the phone with XXXX XXXX, and was told nothing could be done over and over. I insisted on being passed to one supervisor after another. Finally, I got someone who stopped the sale. She acknowledged they had all our paperwork, and the foreclosure shouldn't have been initiated. My wife, young daughter, and I were some of the lucky ones. Our next door neighbors were not ; they lost their home the same way. 

I told all this to SPS, and he acknowledged that he had heard that this was a common thing. He said he would file a inquiry with their Ombudsman 's office. Today, I returned a call from them, and was told they found the fee was legitimate. They kept telling me I was in default, so the bank had a right to foreclose, and charge me the fees. I noted that we had followed XXXX XXXX 's own directions to the tee, applied for the government refinance program immediately, and were in constant contact with XXXX XXXX. We had no warning, and XXXX XXXX and others were bailed out by taxpayers ; were trying to steal our house out from under us ; have paid massive fines for illegal activity, though none have gone to jail. I will not the legal fees of the thieves we caught in our living room. My family was one day  away from homelessness. XXXX could not tell me who this fee would go to.

I've attached the letter from the XXXX Ombudsman, which refers only to the former servicer as XXXX, which took over the loan from XXXX XXXX. It is confusing, because it states that the obligation may have been discharged through a bankruptcy we filed. 

I just read about the founding of the CFPB in XXXX XXXX 's books. I hope you will help persuade XXXX, XXXX XXXX, XXXX, and whatever law firm is involved in this unscrupulous grand theft, to forgo the fees they are still trying to extort from innocent home owners, based on their own past nefarious schemes. 

Thank you.
Consumer complaint received 2020-05-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was in a motorcycle XXXX in 2019 XX/XX/XXXX. I lost all my cards and identity so after waking up from a coma i have gotten reports that fraud activity been identified on XX/XX/2019 that wasnt me because i was in the hospital. On the other i contacted my bank and told them it wasnt my transition No amount was taking but my account was closed and i cant reopen my account or open an account. Also with my chase someone took a XXXX dollars out my account. I reported identity theft and try to call each bank to resolve this problem.
Consumer complaint received 2016-07-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: ERC (SC)

Enhanced Recovery Corp placed a collection on my reports on XXXX/XXXX/XXXX claiming I had XXXX service in XXXX. I called XXXX and ask when was my service disconnected and XXXX stated that the service was disconnected on XXXX XXXX, XXXX. I filed chapter XXXX bankruptcy on XXXX/XXXX/XXXX and was discharged on XXXX/XXXX/XXXX. XXXX was included in my Bankruptcy. 

However, nine years later the account has been re-aged and placed on my credit report which violates the automatic stay. 

This will come off my report or I will sue XXXX and ERC for damaging my credit and costing me thousands of dollars.
Consumer complaint received 2016-09-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (MS)

ERC placed {$67.00} collection on my credit report. I have disputed this through all three credit bureaus without success. I do not owe this account and no proof was given to me. I do not even know what this account is.
Consumer complaint received 2024-03-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP (GA)

I withdrew XXXX $ on XX/XX/XXXX at XXXX but {$720.00} fell back into the casing of the atm and was trapped so I only recieved {$140.00} and us bank the owner of the atm located in XXXX XXXX XXXX XXXX XXXX XXXX holds my funds is uncooperative in assisting me with research resolution or recovery of the funds that are rightfully mine. I also filed an event report with the local authorities and provided it below.
Consumer complaint received 2019-05-15
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. (VA)

AFTER REVIEWING A COPY OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ITEMS THAT WAS PLACED ON MY REPORT WHICH IS CAUSING TREMENDOUS HARDSHIP ON MY CREDIT. THOSE ACCOUNTS DOES NOT BELONG TO ME AND I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS AND HAVE THEM REMOVED.
Consumer complaint received 2016-07-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

Citizen 's bank refused to accept a check for deposit to my and my husband 's account that has been issued by XXXX auto insurance company for insurance on my car because of my completion of driver 's defense course. Title deed on the car and the insurance policy is issued in the name of my and my husband 's living trust of which I and he are trustees and our adult children are co-trustees and I and my husband are managers of the trust.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (VA)

I am writing to dispute certain inaccuracies present in my credit report. Specifically concerning incorrect personal information. Upon reviewing my credit report I have identified discrepancies that violate my consumer rights as outlined in the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) regulations. They have refused to remove all inaccurate personal information like misspellings of my name and wrong address.
Consumer complaint received 2019-05-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (AZ)

On XX/XX/XXXX I sent a certified letter to the 3 credit bureaus with regards to TransWorld System Inc. My specific complaint was the re-aging of the account. The original creditor is XXXX ( XXXX XXXX XXXX ), they are the local electric company. 

This debt has been paid. Neither the collection agency nor the utility company dispute this fact. 

I contacted XXXX and was told the original date of delinquency dated back to XX/XX/XXXX. I explained to XXXX that the creditor was still reporting this file beyond the 7 year statue of limitations. XXXX instructed me to contact Tranword System. 

I contacted Transworld system and was told to challenge the inaccuracy on the report. I explained to Transworld I had already done so.

Transworld sent me a copy of the last bill XXXX billed me for, dated XX/XX/XXXX. 
I explained to the Transworls agent, and several supervisors, that XX/XX/XXXX was the LAST date of delinquency and not the first. I was then instructed to call XXXX to get proof. 

I called XXXX and spoke with several layers of supervisors. I explained that Transworld was reporting an incorrect date. They said to talk to Transworld. I asked XXXX to please send me copies of all my statements as proof that the original date of delinquency occurred in XX/XX/XXXX. XXXX agrees with my date. However, I was told that XXXX did a computer update XX/XX/XXXX. I was told my request was impossible as all statements of charged off account prior to XX/XX/XXXX have been permanently purged. 

I'm stuck in a vicious circle of the original creditor and the collection agency both pointing the finger at XXXX another. 

It is my understanding that the collection agency must verify this information. Transworld does not seem to want to take the time to understand my specific complaint. It appears all I get are computer generated templates. 

Sending me a copy of the last bill XXXX has ever sent me is terrific. It's not what the complaint is. The complaint is SPECIFICALLY the date of first delinquency of XX/XX/XXXX. 

Can you please help me resolve this and if needed can you guide me on how to sue this collection agency. Thank you.
Consumer complaint received 2017-02-03
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

It XXXX, Citizens Bank charged me {$1900.00} in overdraft and returned item fees. I applied for overdraft protection and was denied. I accrued {$70.00} more in fees in the first month of XXXX and therefore closed my account. While I feel that Citizen Bank 's methods for processing payments, and their terms in general, are unscrupulous -- that is not my primary issue. My issue is that the bank has been harassing me for the past year, alleging that I " owe '' them hundreds of dollars. Any money that I " owe '' them is not from authorized purchases or debits from my account, it 's more bank fees that they have charged me -- and I have no intention of giving them any more of my money. Not to mention, I think their methods for collection ( calling 2x a day for months ) borders on harassment.
Consumer complaint received 2016-01-12
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

On XXXX XXXX, 2011 I sent a Debt Validation letter certified mail return receipt requested to Portfolio Recovery Associates , LLC. I have never received a response. Portfolio has been reporting this invalidated alleged debt to the XXXX Credit Bureaus since I sent the letter ( over four years ago ) which is considered further attempts to collect.
Consumer complaint received 2021-10-31
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. (NY)

Equifax in reports XXXX, XXXX and XXXX stated on XX/XX/21, XX/XX/21 and XX/XX/21 : " ... an internal review was completed and results were mailed to you. '' In reports XXXX and XXXX Equifax in apparent contradictions XXXX on XX/XX/21 and XX/XX/21 : " When the furnishing company provides their findings, we will send those results to you. ''
Consumer complaint received 2019-05-15
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. (TN)

I received a copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. I have filed a report with FTC and contacted the police. I'm doing this on my own behalf. There are still items on my credit that are not mine. Bankruptcy Chapter XXXX-discharged, FOR YOUR EYES ONLY, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Account with no name but a account number # XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. Thank you
Consumer complaint received 2024-03-09
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: JPMORGAN CHASE & CO. (MD)

Over the pas XXXX years I have discovered that on every occasion where I applied for credit that there was more than XXXX hard hit on all of my credit reports. I believe in the national scoring system, but its the national banks that abuse the inquiry process. There should never be more than XXXX hard hit per application. Therefore, I must submit my complaint through the Consumer Financial Protection Bureau. This attached complaint makes a request not only for the original inquiry, but but all inquiries collectively as a basis of fairness. There should only be XXXX hard hit inquiry per application. DELETE THESE INQUIRIES!!!