davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (NJ)

I opened my account on XX/XX/year> via BMO 's promotion website : https : //www.bmo.comXXXX On XX/XX/year> I returned to the website to see that a public offer for a {$100.00} gift card was added to the site. There was also a checking account promotion, but the terms for that offer required the account to be opened between XX/XX/year> and XX/XX/year> my account was ineligible for that promotional offer. Luckily, the terms for the {$100.00} gift card said that " You do not need to meet the up to {$500.00} personal checking cash bonus offer requirements to earn the {$100.00} digital gift card, '' and additional there were no requirements for when the account needed to be opened. The terms for the {$100.00} gift card merely required ( 1 ) open a personal checking account online at bmo.comXXXX, and ( 2 ) meet with a BMO Banker within 90 days of account opening, in-branch or over the phone to discuss financial priorities and what you want and need from your banking. The personal checking account must be open at the time of the conversation. I clicked on the bmo.comXXXX link and it redirected me to https : //www.bmo.comXXXX, which is where I had opened my account, so my account was eligible for the {$100.00} gift card under the first requirement for the offer. 

That same day ( XX/XX/year>, which was within 90 days of opening my account ), I reached out to banking support to see how I could set up a meeting with a banker for the {$100.00} gift card promotion and was given instructions on how to do so. After speaking with a banker and revealing details of my personal financial needs and goals, I received a confirmation e-mail summarizing our conversation. I had then satisfied the second requirement for the offer. 

Pursuant to the terms of the promotion, I followed up after 60 days when I had still not received my gift card. After some back and forth with the bank, I was told that the {$100.00} gift card promotion was targeted. This is clearly not true since it was a public offer on the same website through which I had opened my account that had no language saying you had to be targeted and when I had reached out to the bank on how to fulfill the terms of the promotion they gave me instructions on how to do so ( instead of, for example, saying that it was targeted or that my account was ineligible ). 

I do not take the value of my personal financial information lightly and I would not have freely shared this information with the bank without the {$100.00} gift card offer. 

I have attached the public offer terms, the confirmation email from the banker, the instructions from banking support and the further correspondence that ended with them telling me it was targeted.
Consumer complaint received 2023-02-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (FL)

We received a check from FEMA flood on XXXX XXXX for {$71000.00}. It had Citibank plus our names on the check, XXXX & XXXX XXXX, We has an old Citibank home improvement loan which we paid off XXXX. We took the notarized copy of the loan pay off to our XXXX XXXX with the check and they refused to cash it. They said Citibank had to sign off on check. We drove to the XXXX XXXX to Citibank in XXXX XXXX. Talked to Assistant Vice President, Manager, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Fl XXXX, Phone XXXX. He said he could not sign off on the check because it had to do with a home equity loan that was paid off. He sent the check and the notarized pay off letter to CitiBank Mortgage, XXXX XXXX XXXX, XXXX XXXX, SD XXXX on XXXX. It arrived ther on XXXX. It was received by XXXX and left in office. 
Citibank would not answer any of phone calls. We called FEMA Flood. We explained the situation. We sent then the pay off note and a copy of the check and bank info. They agreed to re-issue the check in only our names. They called us back and said the check was cashed on XXXX XXXX, XXXX without our signatures. Back of check said XXXX on back, so they could not reissue our check. We went back to Citibank in XXXX XXXX. They sent the info to their reserach dept in Maryland on XXXX and we still have not gotten our money. We need it for home repairs from XXXX XXXX. No one will help us get our money. Citibank owes us the money. It is our money. XXXX XXXX gave us a case number XXXX. He does not answer our calls and neither does Citibank. We desperately need help.
Consumer complaint received 2022-06-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (FL)

I am a victim of identity theft and have enclosed a copy of my police report Affidavit, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Account : XXXX Account Name : XXXX XXXX I am in receipt of your letter claiming that I owe your company for a debt. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act,15 USC 1692g stating your claim is disputed and validation is requested.

I have to date received no proof that I owe your company any debt and I am requesting that you forward to me full and proper documentation ( original alleged contract bearing my signature ) as evidence of this alleged debt. If you are unable to provide me with the proper proof then you must stop attempting to collect this alleged debt and remove it immediately from my consumer report. 
If you continue to claim I owe a alleged debt that you can not confirm with proof ( original alleged contract bearing my signature ) then you will be in direct Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

You have committed the following FDCPA Violations : 806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts You have thirty ( 30 ) days from receipt of this notice to respond, during which time all collection activity must cease and desist. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my consumer report ( s ) in error and that this matter is permanently closed. Provide the proof, or remove this alleged debt from all sources to which you have reported it. 
Please forward your documentation to me upon receipt of this certified letter. Please note that proper documentation is NOT a print out or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ).

Lastly, please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 

If I don't get proper documentation I will be filing my complaint at : XXXX and XXXX And XXXX XXXX XXXX Also this letter shall be used as evidence in pending litigation provided you fail to comply under the FCRA. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

In accordance with the fair Credit Reporting act, Inquiries from the following were not authorized XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX  XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX  Inquiry date XX/XX/XXXX, XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX  XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX, XXXX  Inquiry date XXXX XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX and XXXX Inquiry date XX/XX/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 2023-03-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY (CA)

My name is XXXX ; XXXX XXXX The Agent for principle XXXX XXXX, a federally protected consumer, holder in due course, attorney in fact. I have a closed checking account with Wells Fargo Bank that ended up going into collections. I have been responsible in making payment arrangements dating back to XX/XX/XXXX. My most recent payment was XX/XX/XXXX for {$40.00}. I was operating in good faith. Then exactly two weeks later on XX/XX/XXXX I received a disturbing email from Wells Fargo Bank threatening me. The email read " Call us soon as possible about your closed deposit accounts balance to avoid further collection action ''. What could possibly be further collection action? Perhaps to give me a negative report to consumer reporting agencies, knowing that negative information will damage my credit reputation with other banks, car dealers and obtaining housing property. I am aware of my consumer rights and the rules of the fair debt collection practices act. This is harassment and abuse. My consumer rights have been violated. Pursuant to 15 USC 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. My financial reputation was threaten here. I called Wells Fargo collections department and informed the phone rep of the abuse that took place. I was told a investigation would take place. XX/XX/XXXX at XXXX XXXX  I received a call from from a gentleman by the name of XXXX if I'm not mistaken. He was calling from the Executive office. He told me he would look further into this matter. A case number was created for this investigation, and the number is XXXX.
Consumer complaint received 2024-09-24
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: RentDebt Automated Collections, LLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Rentdebt Automated Col XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX [ XXXX ] XXXX Account Number XXXX Dear [ Rentdebt Automated Col ], I am writing in response to your notice of debt collection. Under the Fair Debt Collection Practices Act [ FDCPA ], I am requesting that you validate this debt. I request proof that I am indeed obligated to pay this debt and that it is accurate and legally enforceable. 

Please provide the following information : 1. The name and address of the original creditor.

2.The amount of the debt, including any interest, fees, or other charges.

3.Proof that you are authorized to collect this debt on behalf of the creditor.

4.A complete and itemized history of the debt, including the date of the original transaction and any payments or adjustments made since.

5.Verification that the statute of limitations for this debt has not expired
.

6.Copies of any paperwork that shows I agreed to pay what you claim I owe.

Please note that I am disputing the validity of this debt and requesting that you cease any collection activity, including reporting to any credit bureaus, until the debt has been properly validated.

In accordance with the FDCPA, please consider this letter as a formal dispute and request for validation. I request that you respond within 30 days of receiving this letter Thank you for your attention to this matter. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-11-13
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)

I NOTICED ON MY CREDIT REPORT FROM XXXX AND TRANSUNION THAT I HAVE AN INQUIRY FROM ( XXXX XXXX) I DID NOT AUTHORIZED ANYONE EMPLOYED  BY THIS COMPANY TO MAKE AN INQUIRY AND VIEW MY  CREDIT REPORT.YOU HAVE VIOLATED THE FAIR CREDIT REPORTING ACT SECTION 1681b(c) .YOU ARE NOT LEGALLY ENTITLED TO MAKE THE INQUIRY.THIS IS A SERIOUS BREACH OF MY PRIVACY RIGHTS.I REQUEST THAT YOU EITHER MAIL ME A COPY OF MY SIGNED AUTHORIZATION FORM THAT GAVE YOU THE RIGHT TO VIEW MY CREDIT WITHIN (5) DAYS SO THAT I CAN VERIFY ITS VALIDITY.MAIL IT TO THE ADDRESS LISTED ABOVE.IF YOU CAN NOT PROVIDE ME WITH PROOF THAT I AUTHORIZED YOU TO VIEW MY CREDIT REPORT THEN I AM DEMANDING THAT YOU CONTACT THE CREDIT BUREAUS IMMEDIATELY AND HAVE THEM REMOVE THE UNAUTHORIZED HARD INQUIRY IMMEDIATELY.I ALSO REQUEST THAT YOU REMOVE MY PERSONAL INFORMATION FROM YOUR RECORDS..PLEASE SEND ME A WRITTEN CONFIRMATION THAT YOU COMPLIED WITH MY REQUESTS.YOUR FAILURE TO COMPLY WITH MY REQUESTS WITHIN (5) BUISNESS DAYS WILL BE EVIDENCE USED IN FEDERAL COURT OF YOUR WILLFUL NONCOMPLIANCE {15 U.S.C. & 1681n} AND I WILL BE SEEKING STATUTORY DAMAGES,PUNITIVE DAMAGES AND THE COST OF ACTION AND REASONABLE ATTORNEY FEES.
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WI)

Ive been trying to place a security freeze since XX/XX/2022 with XXXX XXXX I first tried doing it over the phone but while trying to verify myself I had no idea that they had a really old address for me in their system. So when they asked for my address I gave them my current one. That is what made me not be able to verify myself by phone. And the rep stated that I would then have to wait a whole 90 days to do it by phone since I didnt verify myself then. 

I proceeded to try the other methods that are available to consumers to freeze their file. Which are by fax, by mail and by email. I tried by fax from XXXXXXXX XXXX XXXX in XXXX XXXX In XXXX. Ive been trying the email method since XX/XX/2022. I also mailed off the documents needed for the freeze on XXXX XXXX and they are never receiving any of my attempts. Every email address that I use it keeps returning to sender. Here is the email address, address and fax number that I have gotten from this company. 

Email : XXXX Fax number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2022-06-15
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: Experian Information Solutions Inc. (TX)

This is my final dispute letter that I am sending before I take legal action against all XXXX credit reporting agencies. Attached is the letter along with the erroneous information being reported. If it is returned as verified I will be filing a lawsuit
Consumer complaint received 2022-07-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (PA)

The chapter XXXX bankruptcy is inaccurately being reported. The dates and the case number are incorrect, this event has reached the 7 year reporting mark as it was originally filed as a chapter XXXX.I would like this event removed from my credit report and/or provided the original reporting documents that reflect the information being reported...
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2023-05-12
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf.
Consumer complaint received 2022-12-03
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: HW Holding, Inc (LA)

In accordance with fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : a creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2020-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY (NV)

I have been a Wells Fargo customer for 8 years. Back in 2017 I would be paying the minimum or more than minimum each month. I lost my job and then hired by XXXX. In XX/XX/2017 I failed to make a late payment due to personal financial hardship, due to having a XXXX. Then finally paid the amount on XX/XX/2017 ; a total of {$490.00}. This has been the only late payment on my history, ever, that decreased it to 97 % percent
Consumer complaint received 2022-07-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (NY)

My mortgage was sold from XXXX Mortgage on XX/XX/22 to Freedom Mortgage. I was in a COVID-19 forebearance at the time. I accepted the COVID-19 modification and had to submit twice because it was stated they couldn't read the notary signature. 

Freedom Mortgage has had my signed paperwork for over 30 days and they haven't processed it yet. I have also made a payment of {$4000.00} to be applied to the post COVID payments so that I had a couple of months to breathe. I was sent a receipt and was reassured this would happen. 

I have been receiving threatening letters every other day from Freedom Mortgage stating that I am in default and I am NOT. I have to call Freedom Mortgage every week to reexplain what is happening and then speaking to Loss Mitigation and they assure me that they are working on it. 

I have never been treated this way before and I am now worried that I am not protected because nobody knows that is going on and I want my money applied to my account. I need help with this situation ASAP. This has been going on since XX/XX/22
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The XXXX  XXXX bankruptcy is inaccurately being reported. The dates and the case number are incorrect, this event has reached the XXXX year reporting mark as it was originally filed as a XXXX  XXXX.I would like this event removed from my credit report and/or provided the original reporting documents that reflect the information being reported...