davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BMO Bank, N.A. (CA)

XX/XX/2022 To Whom It May Concern : RE : Dispute with BMO Harris Bank XXXX name is XXXX XXXX XXXX, on XX/XX/XXXX, I transferred $ XXXX from my account at XXXX XXXX XXXX to my beneficiary, XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX ) at BMO Harris Bank, XXXX XXXX XXXX XXXX, XXXX, IN XXXX. They have held my funds for nearly a month. I have asked my credit union to have BMO Harris Bank to return the funds to my account. This is serious because the money was for family support. The purpose of the funds was to help a family member whose health and business was affected by Covid. 

It should be noted that on the original wire transfer the name of the beneficiary was misspelled and that should have triggered an immediate return of my funds. Bank protocol should have returned my money to me the same day since the beneficiarys name was incorrect. Instead, BMO Harris Bank has held my funds for nearly a month with no one contacting me for a reason. 

My credit union reached out to BMO Harris Bank numerous times and after many attempts they responded with reference # XXXX that the funds were credited to the beneficiarys account. When I contacted the beneficiary, he told me that the funds are in his account but the bank has put his account on hold so he cant transfer my funds. Nobody at the BMO Harris Bank has explained why his account is on hold. This puts my {$70000.00} in jeopardy. I need help! You should note that I have filed complaints with the FDIC, Consumer Financial Protection and Department of Financial Protection. This is a serious situation where BMO Harris is using my funds for a full month for an internal problem they are having with the beneficiary and is unfair to me. This needs to be resolved immediately. XXXX XXXX XXXX has been notified of this situation to intervene immediately to prevent an intense investigation by the FDIC. 

I can be reached at XXXX or XXXX. My address is : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX XXXX XXXX, XXXX. 
XXXX, XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2020-08-11
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. (OH)

Certified mail was sent to credit agencies requesting Validation of Debt,  Method of Verification used. For the following accounts and information was never received : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX SXXXX XXXX XXXX OH # XXXX TXXXX XXXX XXXX XXXX # XXXX Please provide Assignment of Debt, Validation of Debt, Method of Verification used for the following accounts : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX-XXXXXXX
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (CA)

I am a low income status American. I have a perfect history of payments for the last 5 years. 

Due to XXXX  rules ( I am going to guess ) or lack of fair reporting and use, I am being whopped in any month that I miss the ( unknown to me ) date that a given credit card company sends its that day report to the credit bureaus. This seems completely unfair and also inaccurate per both my use and monthly payment. 

I use American Express as my primary card for most large transactions ( over {$500.00} ). I all but pay the statement balance off each month but I do so in chunks as I get paid each month. I also use my card each month In a typical month, I will have a balance of {$4700.00} but I pay down over {$3500.00} over the month but I may add {$3500.00} during the month in new purchases. 

How is it fair or accurate, that American Express provides a one day in the month XXXX and the three credit bureaus and XXXX  calculation ( which consumers can not be provided ), use this as if that represents the whole month view? Should credit companies not be required to provide average month numbers or provide the total amount paid each month toward credit balances, instead of some one-day snapshot?? 

Consequently, when I use my credit card but pay it all but off each month, XXXX  penalizes me to point that my score goes low by as much as XXXX  points!! the CFPB needs to update and require credit card companies and credit bureaus to use monthly averages as well as statement balance vs monthly total payment info, not just a one-day snapshot.
Consumer complaint received 2022-10-07
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: NAVY FEDERAL CREDIT UNION (GA)

On my report from XXXX and XXXX its being fraudulently reported that i still have late payments on closed accounts this is illegal according to chp 15 USC 1681A a credit reporting agency can not report closed accounts as being late this is a violation of my consumer rights and I look to start litigation with NAVY FEDERAL, XXXX AND XXXX IF THESE ACCOUNTS ARE NOT REMOVED. THE COMPANIES IN QUESTION ARE XXXX XXXX WITH AN AMOUNT OF XXXX AND NAVY FEDERAL WITH AN AMOUNT OF XXXX AS OF XXXX, XXXX 2022 REMOVE IMMEDIETLY.
Consumer complaint received 2022-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Request for Investigation of Unauthorized Inquiries. 

I checked my credit report and I noticed there were inquiries that I did not recognize from : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I contacted the companies here that placed inquiries on my report and asked them to remove their credit inquiry from my credit profile. I also asked them to to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. Therefore I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate and investigation into this inquiries on my credit report to determine who authorized them. Once your investigation is complete you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy o fly credit report at my address. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thanks for your help and assistance.
Consumer complaint received 2022-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (IA)

I applied for a credit card for discover, I received the card but the account has been frozen for nearly 2months yet I submitted every document they requested and there is no feedback at all. I feel discriminated yet even my referrals have access to the service. 
Am wondering what is not happening so requesting for your intervention
Consumer complaint received 2019-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I opened a new checking account under a promotion to receive {$200.00}. To qualify, I had to open it between XX/XX/XXXX and XX/XX/2019 ( I opened it on XX/XX/XXXX ), make cumulative deposits of at least {$1000.00} within 60 days ( I made two {$2500.00} deposits on XX/XX/XXXX ), and maintain the account for at least 90 days ( the account is still open, and I have made no withdrawals ). This was the first deposit account I have ever opened with Huntington Bank, and the {$5000.00} total that I deposited came from my pre-existing checking account at XXXX XXXX XXXX. 

When I contacted Huntington Bank to inquire about the status of the {$200.00} reward, I was told I did not meet the terms because I used a " cash app '' to deposit the funds into my account, and thus this is considered a " credit, '' and not a deposit. However, the Bonus Addendum does not differentiate between " deposits '' and " credits, '' and simply states that " [ t ] ransfers from another Huntington deposit account do not count as a deposit. '' It makes no other qualifications about what counts as a deposit, and these funds came from my pre-existing XXXX XXXX XXXX  account. Additionally, the Consumer Deposit Account Agreement does not differentiate between deposits and credits, and I would argue that to most consumers, these two terms  essentially mean the same thing. Most importantly, it no where states in the Bonus Addendum that these types of deposits would not be considered deposits for purposes of this promotion.
Consumer complaint received 2024-11-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

I tried to get cable connected in my RV through direct tv but two technicians tried to connect service. One technician said he didnt know how to connect service in a RV and the second claimed that XXXXXXXX XXXX is not compatible RVs. I purchased two cable boxes through direct tv that I returned and never received a refund. XXXX XXXX assured me that I would receive my money back for the boxes and I dont owe anything since service was never provided due to their inability to connect service. But XXXXXXXX XXXX release false billing information to a collection agency IC Systems collections who is on my credit report. I tried disputing this with them who has removed this inaccurate bill from equinox and experian but not trans union for some odd reason. I dont owe Direct tv they owe me for cable boxes they have and I was unable to use.
Consumer complaint received 2019-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have been trying to have the correct date of 1st delinquency accurately reported and disputed this several times. The results come back as reporting accurately from XXXX, although I keep providing the credit reports from the credit reporting agencies showing on their own report that the date of first delinquency reported is XX/XX/XXXX. 

This negative account should be removed from my credit reports on or before XX/XX/XXXX. 
XXXX reports that the date of first delinquency is XX/XX/XXXX, which adds years to the removal from my account which violates the FCRA timeframes. 

I would like this corrected so that the negative information will be removed per the FCRA timeframe in XXXX of XXXX. 

I am providing copies of the letters and a copy of an XXXX payment history report dated today, XX/XX/XXXX showing the late charge assessment on XX/XX/XXXX, which corroborates the actual late payment. 


I am also providing copies of each credit report showing the first reported late payment on XX/XX/XXXX.
Consumer complaint received 2019-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KY)

Paid XXXX  XXXX  the regular pmt. Check was cashed for XXXX but not applied to account as the pmt. Had increased unbeknownst to me. Being reported as 30 days late XXXX yet the supposedly amount unpaid was XXXX Unfair that they took my money and simply did contact me for the dicrepancy amount.
Consumer complaint received 2020-06-16
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.
Consumer complaint received 2020-06-16
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. (GA)

Ive requested proof via mail and online of a judgement that was attached to my name on XX/XX/2017. I also submitted these papers as I was a victim of identity theft. 

Currently, Transunion will not let me log in to their online portal to review my report or submit a dispute. Ive had this account for over 5 years and now I am not able to log in. 

1. When the investigation came back they advised the said judgement was accurate. Transunion did not provide any documentation that would solidify that this information is accurate. Proof should be provided and not just a broad statement that what was reported is inaccurate. What is accurate? 

3. When I reached out to XXXX XXXX regarding the release of inaccurate information I was advised via mail at my address which is on file with Transunion which included my name that I could not be located in their system. 

Transunion is falsely reporting inaccurate information and anything tied to this judgement should be removed immediately. 

Transunion should provide valid documentation to me as the consumer on how this information was validate for accuracy if I am not in XXXX XXXX database.
Consumer complaint received 2022-07-30
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. (DC)

Experian is reporting false information on my credit report and refused to investigated or delete derogatory errors on my credit report despite the fact that I've mailed them copies of all my documents. They still have XXXX different names in my account. I had sent them my Drivers license, My bill, copy of my social security number and so on, they are still reporting wrongly. The have people buying cars and houses in my name and they are reporting them on my credit report as delinquent. Lowering my credit scores. I don't have any problem with the other credit reporting agencies but Experian. I think that they're fraud and needs to be investigated. They always allow third party credit reporting agencies and allow anybody into my account which was the case with XXXX. They don't believe in doing accurate and detailed investigation.based on my experience over XXXX XXXX XXXX
Consumer complaint received 2022-10-07
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. (OH)

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 XXXX 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 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 2020-06-16
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PINNACLE RECOVERY, INC. (OR)

The company name is Pinnacle Recovery. The latest call came through XX/XX/XXXX at XXXX and again at XXXX. The robo call comes from XXXX and says to call XXXX. 
The company is calling repeatedly trying to reach XXXX XXXX for a debt that she apparently owes. This person does not live here. 
My husband and I have had the phone number since XXXX and no XXXX has ever been associated with our number. I called the number and told them to stop calling as the person has never lived here.
Consumer complaint received 2020-06-16
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. (AR)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report I saw an outrageous amount of accounts under my name are not mine. Please delete these items from my report.
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (TX)

I HAVE TOO MANY OPENED ACCOUNTS PLUS NEGATIVE ITEMS THATS SHOWN ON MY CREDIT REPORT FOR ALL 3 CREDIT BUREAU AND THATS DECREASING MY SCORE EVERY SINGLE MONTH
Consumer complaint received 2022-07-30
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. (MO)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO, XXXX ; XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MO XXXX XXXX ; XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-07
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX 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.
Consumer complaint received 2020-06-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (OH)

In XXXX a predatory refinance loan was made to XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Ohio, XXXX. Mr. XXXX XXXX is an XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. He was awarded a XXXX XXXX designation for his service as a XXXX XXXX XXXX was all fame XXXX XXXX  system that supplied XXXX  XXXX. Mr. XXXX passed away on XX/XX/XXXX. Mrs. XXXX XXXX is presently XXXX years old and is living with the anxiety of losing her lifetime home. 
In XXXX, Mr. and Mrs. XXXX purchased their home at XXXX XXXX XXXX for {$34000.00} with a 12 % interest rate. The monthly mortgage payments were approximately {$550.00} per month. They paid this mortgage for 16 years from XXXX to XXXX totaling {$100000.00}. The home market value is underwater. The Arringtons have not missed a mortgage payment nor have they been late on their payments for the past 31 years. 

Mrs. XXXX XXXX and her family have suffered greatly throughout this fiasco. 
Their suffering was prolonged due to the many divisions of XXXX XXXX mitigation review process. Often, they were repeatedly requested to submit the same documents due to a lack of timely response on the Banks part and due to a lack of dedicated point of contact personnel. 
The XXXX familys attempts to communicate with the XXXX XXXX servicer personnel were met with difficulty and resulted in confusing and contradictory notifications and information throughout the mitigation assistance review process.
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (HI)

I RECENTLY REVIEWED MY CREDIT PROFILE AND NOTICED INACCURACIES AND/OR INCOMPLETE INFORMATION AND ACCOUNTS THAT ARE UN-VERIFIED. ACCORDING TO THE FAIR CREDIT REPORTING ACT, SECTION 611 ( 5 ) ( A ) OF THE FCRA-YOU ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION THAT IS INACCURATE, INCOMPLETE, OR WHICH CAN NOT BE VERIFIED. IT IS ALSO MY UNDERSTANDING THAT UNDER FCRA 15 U.S.C 1681i ALL UNPROVEN, NON COMPLIANT, INCOMPLETE, UNTRUE, INCORRECT, AND/OR UNVERIFIED ASPECTS OF ALL ALLEGED DEROGATORY ACCOUNTS MUST BE PROMPTLY NEGATED IN ITS ENTIRETY OR THE ALLEGED ACCOUNTS ARE TO BE COMPLETELY DELETED. 
I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL EXPERIAN AND XXXX TO ANNUL WITH PERMANENT DELETION OF THESE DEROGATORY ACCOUNTS OR PROVIDE TESTIMONY AND CERTIFICATION THAT YOU ARE ADHERING TO MANDATED METRO 2 DATA FORMATTED REPORTING STANDARDS ACCORDING TO REGULATIONS. 
THE FOLLOWING DEROGATORY ACCOUNTS ALLEGATIONS ARE EITHER UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, OR OTHERWISE NOT PROVEN COMPLIANT TO REGULAR FEDERAL REPORTING LAWS AND OR STANDARDS AND MUST BE REMOVED IMMEDIATELY, DO DO TODAY, EVEN RIGHT NOW! THE OBVIOUS INFRACTIONS ARE AS FOLLOWS : ALLEGING CREDITORS AND ACCOUNTS AS ARE REPORTED ON MY CREDIT REPORT : 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 XXXXNVALID ACCT BY THE PROVISION OF THE FAIR CREDIT REPORTING ACT AND PER STANDARDS OF REPORTING COMPLIANCE IMPLEMENTED WITH THE XXXX ENACTED XXXX METRO 2 COMPLIANCE REGULATIONS. I DEMAND THAT THESE ABOVE MENTIONED DEROGATORY ITEMS BE INVESTIGATED AND PERMANENTLY REMOVED FROM MY REPORT. 

SINCERELY XXXX XXXX XXXX