davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (TX)

I'm a small business owner. I have a business account with BMO bank and they opened the business after i met all requirements. I submit a check from a client. The next business day which was a Monday they freeze the acount. They tell me this is protocol because my address is different from business address. Then they tell me a few business days. I call and ask why is my account frozen and only an Anaylst assigned to my account can talk to me. Seven days later they tell me someone tried to make a charge on my debit card internationally, but how on a frozen account and card in my possession. Then I'm told it's hard to believe that someone like me can deposit a $ XXXX check and they need 30 days to investigate me.Then they make me email my contract to prove that I contracted with XXXX and a sample invoice. I contact my client to cancel the check only to find out the bank made good on the check the first day I deposited the check on XX/XX/XXXX and fully cleared XX/XX/XXXX and the client provides proof. I am then told to email proof to the fraud department which i do. I further send in transaction information from XXXX to the analyst as well. I finally get the back office info for XXXX bank and contact them and they have me send an email to that department as well. On Saturday XX/XX/23 i go into the bank in XXXX, Ca and my account is further notated to show them again my business formation paperwork. The Analyst XXXX XXXX stated that she would not remove the freeze until XXXX calls her directly and confirm the check. XXXX does not do that and BMO bank should know that. I have gotten eviction notices, disconnected power, couldnt make payroll, pay my business insurance, credit cards or anything because a bank vetted me to open account and when i use the account i become suspicious and treated this way. The analyst further refused to speak with me as well as her boss refused to speak with me. My business is XXXX XXXX XXXX same name account is in. The website is XXXX I am XXXX XXXX XXXX
Consumer complaint received 2024-04-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC (CA)

I bought a timeshare in the summer of 2023 and fell behind the payments. It was sent to collections without my knowledge and now they are trying to add a {$3600.00} amount to the original debt owed. They also want a payment in FULL and kept insisting that if I don't pay in full it will negatively affect my credit. They told me to go get a loan so I can be in more debt. I feel that they are taking advantage of the situation and measures should take place so they don't extort anybody else.
Consumer complaint received 2023-10-17
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. (ID)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


OPEN : Account Name : 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 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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible 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
Consumer complaint received 2023-10-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (NY)

On XX/XX/XXXX, my money disappeared. Suddenly, I went to one of the bank branches. He replied to me, saying, You have a refunded check. I said, This is your problem, not mine. Why is my money now XXXX? Where is my money? He replied to me, We are reviewing your account and it will be returned after 45 days.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized accounts and transactions appearing on my credit report. I reported these fraudulent activities to your bureau and submitted all the necessary documents and detailed explanations, to substantiate my claims and establish my innocence. What adds to my frustration and disappointment is the bureau 's apparent failure to recognize the seriousness of my situation. Despite providing substantial evidence of identity theft, it seems that my case has been either overlooked or deemed unimportant. This has left me feeling disregarded and powerless in a matter that has profoundly impacted my life. ACCOUNTS : XXXX XXXX and XXXX  XXXX XXXX ( Original Creditor XXXX ) XXXX. Please delete these fraudulent accounts ASAP.
Consumer complaint received 2023-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (MA)

Dates : XX/XX/2023 Amounts : {$1000.00} My friend and I booked XXXX rooms at the XXXX XXXX XXXX from XX/XX/XXXX to XXXX, 2023 ( XXXX  nights in total for XXXX  people ). It was only after checking in at the hotel that I realized I hadn't applied the offer ( 30 % off for XXXX+ nights ) to my hotel stay expenses. I called on XX/XX/2023, to inquire whether I could still apply the offer, but the hotel staff refused. This offer is available on the hotel 's official website and is applicable at any time of the year. I have attached it for reference. The discounted amount should be $ XXXX % = {$660.00} ( 70 % is because the coupon is 30 % off for XXXX nights stay ). 

In addition to not allowing us to apply the offer, the hotel also charged us extra for breakfasts. When we booked the hotel, we reserved rooms that included breakfast. When we checked out, the breakfast server also mentioned that there would be no additional charge if our room included breakfast. I have attached a screenshot of the booking confirmation that shows breakfast was included when we made the reservation ( They charged me extra $ XXXX {$84.00} ). 

To sum up, they should have charged me XXXX XXXX+TAX instead of {$1000.00}. I want my refund. 

I disputed this charge with US Bank. US Bank only hastily contacted XXXX XXXX XXXX and informed me that the offer couldn't be used after the purchase ( while it says the offer is available all year around on the hotel official website ), without providing an explanation for the breakfast charge. Therefore, I am here to complain about this.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX Balance Owed : {$44000.00} ; XXXX XXXX Balance Owed : {$44000.00}.
Consumer complaint received 2023-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (TX)

My original lender did not require me to have hail and wind insurance. It is nowhere in my loan documents ( deed of trust nor promissory note ) that my escrow can be used for wind and hail insurance. They force lender-placed it on me without my knowledge and drained my escrow. Now they are telling me that my note is going to be {$1000.00} more per month and I can not pay that. I have sent them all of the documentation that they would need to reverse this and reimburse my escrow. I have spoken with them many times and I have been given the runaround for more than t o months. Now, they will not allow me to pay my note unless I pay the extra amount. They are trying to change the terms of my loan. I was never told that I had lender force-placed insurance. I was never sent any documentation of this insurance. I did not find out until eight months later when they sent me a letter stating that I would need to pay more in order to cover my drained escrow. I was denied talking to a supervisor six times. The last time that I called I was told to call back and asked to speak with the legal team only to be told there is no way to transfer me to a legal team. I have been told to email documentation and I have emailed it over and over and they say they do not get it although I receive an automated response all six times. I have told them I would meet them halfway and buy my own wind and hail insurance ( even though it does not say I have to have it in my loan document ) if they will reimburse what they have drained from the lender-forced insurance. They will not come up with a solution for me. Roundpoint bought my mortgage from XXXX mortgage company, and they are not honoring the terms of my mortgage that I signed via my contract with XXXX. I have consulted with an attorney and I can not afford attorney fees to get a solution. I will have to put attorney fees on a credit card if this is the route I have to take I would rather settle this out of court. I have all documentation from every phone call that I have made and every email that I have sent.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Diversified Adjustment Service, Inc. (AL)

Re : Dispute of Inaccurate Debt Information and Identity Theft Due to XXXX Data Breach ( XXXX ) To Whom It May Concern, I am writing to dispute and request the removal of inaccurate information from my credit report, as well as to address an instance of identity theft resulting from the XXXX data breach of XXXX. 

Regarding the inaccurate information on my credit report, I have discovered discrepancies related to the account details foXXXX XXXX # XXXX. Specifically, the date last active and the date reported are inaccurately listed. According to my records, the account was last active on XX/XX/XXXX and reported on a different date. These discrepancies are in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681 Section 604 A Section 2. This section mandates that consumer reporting agencies can not furnish information without the consumer 's written instructions. I have not provided consent for the inclusion of this account on my credit report, nor have I authorized its furnishing. 

Furthermore, I have been impacted by identity theft as a result of the XXXX data breach of XXXX. Criminals exploited the compromised data to fraudulently obtain mobile services from XXXX under my name. This has led to unauthorized accounts and charges on my credit report, causing financial repercussions and personal distress. 

In response to these issues, I request that the inaccurate account information for XXXX  # XXXX be promptly removed from my credit report. Additionally, I urge XXXX and the credit bureau XXXX XXXX XXXXcessary measures to address the identity theft incident and prevent further misuse of my personal information. 

Account Details : Creditor : XXXX  Account Number : # XXXX Amount : {$880.00} I request that you conduct a thorough investigation into both matters and provide me with a written response detailing the actions taken to resolve these disputes. Please send all correspondences regarding this matter to the address listed above. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I've disputed with the 3 credit bureaus incorrect historical balance/late payments on my credit reports, sent letters from the credit card company showing no late payments or over card limit yet, they continue saying information verified as accurate.
Consumer complaint received 2023-10-15
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WHEELS FINANCIAL GROUP, LLC. (VA)

I took out a title loan and sent all required DMV documentation and the title to the company per their agreement. I began making all payments as required.

The company began calling me and emailing me daily about 3 weeks after I took out the loan. They indicated they had not received the title to the vehicle. They also
indicated that they had received the signed DMV paperwork.

I had included both the title and the signed DMV paperwork in the same envelope. Loanmart became argumentative and stated they knew I had not sent the title. They stated they had video evidence that I hadn't sent the title. I informed them that 1. I Was overseas with the military and could not address this until I returned with the DMV. 2. That I knew I had sent the title and that if they had video evidence of the envelope being opened it needed to be shared with me as I was not responsible for them loosing the title. and 3. That their threats to repossess the car would be in violation of their own agreement as their loan agreement indicated that the only reason the car could be repossessed was if I failed to make payment on the loan ( I was current and continuing to pay ).

Early XXXX 2023 my neighbor indicated that my car had been stolen and tha tall that was left was the front bumper of the car sitting in my driveway. I received a phone call from LoanMart around the XXXX indicating that they had repossessed my car. I informed them that this had been done in violation of their own loan agreement and that they still had not provided proof that I hadn't provided them the title. 

They told me they repossessed my car because " I had failed to do what I had promised '' not that I was late on payments or anything else. This language is not anywhere in their agreement and their loan agreement clearly indicates the ONLY reason the car can be repossessed is due to non-payment. 

As the car was now repossessed I could only make payments using a payment services that were only available in the XXXX XXXX XXXX, I was unable to continue to make payments via the on-line portal or over the phone. I again informed them that I was overseas with the military. They did not care. I was never told where my car was so I could send someone to collect my belongings out of it. I was never sent any information on the sale of my vehicle and LoanMart stopped communicating with me beyond sending me a letter on rare occasion that indicates I now owe them almost twice what I borrowed for " non-payment ''. I called them to start the arbitration process that their loan agreement requires and they have not to date allowed me to start it, given me any indication of where/what has happened to my car, and have continued to report my car loan as being late and continue to rack up charges against me. They have not reported my car as repossessed on my credit, nor given me a chance to purchase it back and their repossession agent clearly damaged my car severely when they came to recover it.
Consumer complaint received 2023-10-17
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: EQUIFAX, INC. (CA)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-10-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (AZ)

Regarding Mgr. XXXX XXXXXXXX and her Mgr is XXXX XXXX. I was mistreated and barrated by this woman and she wouldn't allow me to speak to her Mgr. My loan has since been charged off and my rights continually violated by Navient because their customer relations rep XXXX XXXX has repeatedly emailed me saying they are researching my complaint on XX/XX/ and XXXX The Private Student Loan Mgr, XXXX XXXX, continuously denied my request to speak to her supervisor and/or manager. She barated me and violated my Fair Debt Collection Act Rights. I informed her that I was at work and I asked about how the repayment program I was in was cancelled a month ago, but my bank account was drafted for the agreed amount that day? She refused to answer that question and so did her subordinate. Instead the Manager continued to tell me I wasn't a good person because I was bouncing checks all over the place and that she was a shareholder and it was affecting her. She never asked how and why I wasnt able to pay. I asked Customer Relations to please investigate and review the call. My name is XXXX XXXX, however my maiden name is XXXX and the co-borrower is XXXX XXXX.
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XX/XX/2023 Report Number XXXX This letter is a formal complaint that you are reporting inaccurate and incomplete personal credit information. 

See the attached credit report from XXXX I am distressed that you included the below information ( see attached credit report ) in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit report you publish. Credit reporting laws ensure that bureaus report only 100 % accurate information. Every step must be taken to ensure the information reported is completely accurate and correct. 

Due to concerns about identity theft please delete all invalid addresses and alias names from my credit reports attached copies that contain the correct information. 

Please also send me my updated and corrected Credit Report as soon as your investigation is finished.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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