davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-03
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: BMO Bank, N.A. (MS)

I opened an online account with BMO. I received an email with a link to verify 2 micro deposits which I did. Once that step was complete I was instructed to setup the mobile app so I would be able to verify the account terms ( CD term, amount, rate, apy ). I was never able to get the app to work as I kept getting an error message. I was told to wait until the next business day and attempt again. When I attempted the next day the app stated " the user ID entered does not exist ''. Concerned I called in and was asked if I could receive text messages. The associate attempted to verify me via text but I never did receive the message. She stated there was not much more she could do and I asked to escalate. I was transferred to XXXX XXXX. I explained to her that I was having issues with the application she stated I could complete a form, have it notarized and send it in with a copy of my drivers license. I told her that was not an option that I was trying to validate the terms and conditions of the account that was opened and that I was not able to verify the account number, etc and that my online access had been removed. She stated she really could not assist me. I told her I had a request from XXXX to verity the debit was correct and that the account was established. I told her I would need to let XXXX know that I was not able to verify this information and they may return that debit as fraud. I asked if we could please escalate as I hated to take that action. She stated that there was no one higher than her to escalate to. I was shocked as she defiantly was not the CEO. She then again stated that the person I spoke to the day before did not do what they were supposed to and the only way I could procced is the complete the form and find a notary. I again told her that was not an option. I do not think customers should be the penalized and made to jump through hoops when the technology provided does not work. I then asked being that they could not verify me and I could not verify the information requested could they account opening be cancelled and the funds returned. I was told no, it was too late. Again, I feel like I should have that option being that I was not able to verify and utilize the information sent to me via email and the mobile app.
Consumer complaint received 2022-06-27
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. (PA)

I AM A NATURAL PERSON AND CONSUMER FILING THIS COMPLAINT DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME I DID NOT GIVE XXXX, TRANSUNION, XXXX WRITTEN PERMISSION TO FURNISH ANY FRAUDULENT ACCOUNTS ON MY CONSUMER REPORT PURSUANT TO 15 USC 1681 ( B ) IT STATES THAT I HAVE TO GIVE WRITTEN CONSENT
Consumer complaint received 2023-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CLGF Holdco 1, LLC (GA)

Hello this is a ongoing matter for 2 months approaching 3 by the time you guys get to this complaint, I rented a car back in XXXX with XXXX car rental in XXXX ga, there was a XXXX. However the car ended up being XXXX, which was paid with the same credit card.,. However the XXXX was never returnt from the merchant, I called and discussed with destiny card services the XXXX was credited to my account XX/XX/XXXX but for whatever reason the charge was reversed back to my card on XX/XX/XXXX. Putting me over my credit limit the credit company ( destiny ) went and back dated my report as over the credit limit and dropped XXXX points, they have acknowledged the mistake but had yet to fix or repair the incorrect reporting to my credit!! Now all I a getting is hang ups and transfers they keep closing out the card as fraud just dont understand why. This matter has affected my stability, I cant get approved for a apartment I have been living in a hotel because of my debt to income ratio!! 

XXXX car rented authorization XXXX XXXX car returnt authorization XXXX XXXX XXXX credited back to me XXXX XXXX charged back to me XXXX received letter from card issuer of reversal with included a detail letter from the merchant that validates what I said happened XXXX card issuer reported over credit limit for 2 months ( 60 days ) XXXX credit score dropped XXXX points XX/XX/XXXX no resolution no response to certified letter sent no credit back of XXXX and no report opened for incorrect data on my account
Consumer complaint received 2023-05-03
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. (AL)

They are violating my consumer right under the Fair reporting acting Account : Self XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-25
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. (FL)

Subject : Complaint Against TRANSUNION for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSUNION for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX Account Number : XXXX Date of Charge Off : XX/XX/year>XXXX  Amount : {$9500.00} I have previously disputed the accuracy of this charge off account with TRANSUNION and provided evidence that the information is inaccurate. However, TRANSUNION has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. TRANSUNION refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against TRANSUNION for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that TRANSUNION upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all XXXX credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : [ XXXX XXXX XXXX  Account Number : [ XX/XX/XXXX Reason : [ NEED XXXX LATE PAYMENTS REMOVE THIS ACCOUNT SUPOSE TO BE CLOSED. ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, [ XXXX XXXX ]
Consumer complaint received 2023-05-15
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. (TX)

I have been disputing the inaccuracies on my credit report XX/XX/2022 and I am still having the same issues. This is hindering my opportunity of homeownership. I'd asked the credit bureaus to " investigate every piece of information '' on my accounts I have listed below. According to the FRCA the term " investigative 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. I have asked respectfully that Id be provided with proof of the disputed item specifically any contact note, court document, or any instrument having my signature. They have failed to do this as expected, according to the law, the items would be deleted within 30 days, but this has been ongoing since XX/XX/2022. The credit bureaus stated my account was verified but how is that possible if they did not do a proper investigation according to the law. This was the response after several dispute letters were sent and ignored. I recently accessed a new credit report and found the same and similar discrepancies which means every piece of information on these accounts are still not 100 % accurate according to the FRCA 15 USC 1681 everything must be 100 % accurate. I have the credit report still showing inaccuracies. 

XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX ( Please validate and correct ) XXXX : XXXX XXXX : XXXX Transunion : XXXX
Consumer complaint received 2022-05-22
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. (KY)

I filed bankruptcy on a property I had a mortgage on which was discharged. That mortgage company sold the account to XXXX XXXX  so it reappeared on my credit report. I have documentation from XXXX XXXX  acknowledging their error and I also have a copy of my bankruptcy papers which has been discharged years ago and Experian still refuses to remove this. In the meantime, I have emailed XXXX XXXX regarding this issue.
Consumer complaint received 2023-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (AZ)

Date XX/XX/2023 Balance XXXX Called the company multiple times and have just been getting transferred around. Unable to get anyone to assist me. 

Account with discover was closed by Discover with no warning. Received email saying unable to verify personal information never received any emails, phone calls or letters asking me to verify info. Info hasnt changed since account opened. 
I have never struggled with the account, never had late fee nor missed payments. So I dont know why they closed my accont which was my primary credit card.
Consumer complaint received 2023-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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.

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 2023-05-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC (TX)

This company placed a bet on my credit file without giving me any written notification at all. Not only that when they responded to my initial complaint with you, they published an address. An address I didnt even provide to you that violates the FDCPA and giving out personal information. Cant wait for an attorney to get a look at that one. Now my settlement offer to them as of now {$2000.00}. I get an attorney theyre gon na pay more than that in attorneys fees.
Consumer complaint received 2022-06-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (FL)

Changed cellular service to XXXX in XX/XX/XXXX, paid final XXXX XXXX XXXX cellular phone bill XX/XX/XXXX and closed my account. Credence Resource Management has an open date for XX/XX/XXXX and a balance updated date of XX/XX/XXXX for a debt that is not mine.
Consumer complaint received 2023-04-08
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: Experian Information Solutions Inc. (NY)

accordance with the Fair Credit Reporting act. Experian, XXXX, XXXX has violated my federally protected consumer rights to privacy According to the 15 u.s.c 1681 section 602 states I have the rights 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 15 U.S.C 1692C These addresses do not belong on my credit report
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX XX/XX/2012 ; 1. I have paid this account. 2. This acccount is old, and should no longer appear on my credit report. 3. Thank you for your time!
Consumer complaint received 2023-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CO)

I deposited a check on XX/XX/2023 into the US Bank account for my XXXX. The check in question is my paycheck for {$5000.00}, written by my dad 's company who also has an account at US Bank. US Bank has decided to hold the entire {$5000.00} deposit from XX/XX/XXXX until XX/XX/2023. Given that the check is coming from the same institution I am frustrated that they can not " verify '' it faster, and I believe they only have two business days to do this after reading regulations for " on us '' checks. They refuse to release the hold any quicker than that. I have called twice and have been given little information as to why they do this other than its probably " just random '' or the " check was suspicious ''. They say suspicious checks get flagged but this check is identical to every check I have deposited into this account since I opened it. There is nothing off about this check or how I deposited it. I use their mobile app and have never had this happen with a mobile check deposit. I feel like they are intentionally holding my money until after my credit card due date ( XX/XX/XXXX ) to force me to miss the payment so I have to pay interest and fees.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

My account with the following company was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

The following company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2022-07-15
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair credit Reporting Act, XXXX Account # XXXX has violated my rights 15 U.S.C. 1681 Section ( 602 ) states that I have the right to privacy. 15 U.S.C. 1681 Section 604 ( A ) Section 2 a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-04-08
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: 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. 
XXXX XXXX XXXX XXXX XXXX Account Nunber  XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX  Account Nunber XXXX XXXX XXXX XXXX XXXX XXXX Account Number 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.
Consumer complaint received 2023-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (PA)

On XXXX XX/XX/2023 I made a {$400.00} deposit in all XXXX XXXXXXXX to the Huntington Bank XXXX XXXX XXXX XXXX PA branch. I got a prompt that my money was not taken in but will be kept in the ATM and to contact the financial institution..which I did..they counted the ATM. My {$400.00} was there. It still has not been credited to my account and I have called the bank and customer service 2x everyday since and I feel like I'm getting the run around. I had 2 charges declined and my car payment is now due Monday and will decline because of insufficient funds and this is not ok. They have my money and it needed to be in my account Tuesday.
Consumer complaint received 2023-04-08
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. (FL)

Hello, My name is XXXX XXXX XXXX. I reside at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX in XXXX XXXX XXXX I am writing this complaint because Equifax , Inc. has violated many consumer protection laws including preparing and reselling inaccurate information. Equifax , Inc. does not have permissible purpose from either XXXX XXXX XXXX, the Consumer in which this Consumer Report relates, nor has a court issued an order to furnish such inaccurate information. Furthermore, as of XX/XX/XXXX, it took Equifax , Inc., 34 days to conduct a reinvestigation. Which is outside of the 30 days allowed to conduct a reasonable reinvestigation pursuant to 15 U.S.C 1681i ( a ) ( 1 ) ( A )., This was previously disputed with Equifax , Inc., therefore, Equifax needed to conduct a reinvestigation upon Notice by XXXX XXXX XXXX. This information was not verified by the end of XX/XX/XXXX, which would have been the end of the 30 day period allowed since Equifax , Inc. received notice of this dispute on XX/XX/XXXX.
Consumer complaint received 2023-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 2023-05-03
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. (GA)

I applied for the Equifax Data Breach Settlement on XX/XX/2022. I updated my address after moving however, I received a notification by email that my payment would be reissued as I believe it was mailed to my previous address. I have yet to receive the payment. Mail forwarding was on my previous address.