davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (NJ)

Please find the repeating writing from BMO bank in the attachment, which remains the issues unsolved. BMO bank utilizes CFPBs system to automatically close the case as long as the complaint bank gives a response. Therefore, BMO bank remains the issues unsolved by sending the same response. This kind of responses from BMO bank not only XXXX  customers, but also XXXX  CFPB. Therefore, I strongly recommend CFPB to initiate an investigation process on BMO bank. Please look through the attached customer reviews from XXXX XXXX XXXX website because I have experienced pretty much the same as other customers. BMO bank wrote no bank errors ; however, it is NOT true at all. BMO bank has a lot of bank errors according to the customer reviews from XXXX XXXX XXXX website. 99 % of BMO banks customer services provide me wrong information ; after that BMO bank did NOT want to take their responsibility. 

( XXXX ) From XX/XX/XXXX to XX/XX/XXXX, BMO bank shortly paid me {$380.00} interest. 
( XXXX ) XX/XX/XXXX BMO bank shortly paid me {$3.00} and XX/XX/XXXX XXXX bank shortly paid me {$8.00}. Totally {$12.00}. Every single day when I logged into my account, it clearly indicates that interest rate 0.995 % and additional interest rate 2 %, totally 2.995 %. However, now BMO excused that the rate is variable, so XX/XX/XXXX BMO only paid 0.995 %, XX/XX/XXXX only paid 2.22 %. How much interest rate will a bank pay to the customers should tell beforehand! Also, the rate should NOT differ from what shows in the account. Otherwise, it is cheating. 

I strongly recommend CFPB to conduct a thorough investigation on BMO bank and BMO bank should pay me totally {$390.00}. 


Best Regards, XXXX XXXX
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FactorTrust, Inc. (MN)

I was incarcerated at the Minnesota Department of XXXX from XX/XX/XXXX to XX/XX/XXXX. I was recently released from prison on XX/XX/XXXX. I was incarcerated for 21 years. Theres recent derogatory items, delinquencies, credit inquiries, bank accounts, addresses, cell phone numbers and email accounts listed on my XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX and Factor Trust XXXX XXXX thats fraudulent derogatory items, delinquencies, inquiries, bank accounts, addresses, cell phone numbers and email accounts from the result of identity theft. I was in prison for 21 years and was just released on XX/XX/XXXX, so all of the information on my consumer and credit reports is fraudulent and is the result of identity theft. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
Consumer complaint received 2024-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mendelson Law Firm (MS)

This attorney represented a company who claimed I owed a debt. The debt was paid in XXXX. This office recently submitted a garnishment and money was taken from my check in the amount of {$720.00} on XX/XX/XXXX. I spoke with the attorney who ensured me the funds would be returned to me as the debt is satisfied. I was told to call the office if the check wasn't received by XX/XX/XXXX. I have left several messages with the office and no one has returned my call.
Consumer complaint received 2017-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (GA)

During sometime around XX/XX/XXXX or XXXX XXXX 2016,  Wells Fargo closed a checking account that I had with and did not explained why they closed the account I also had a credit card with Wells Fargo. Once Wells Fargo closed the account, I had somewhere around $ XXXX- {$14000.00} in my checking account. I went to the bank because I needed to make a withdrawal and make a payment on my credit card account. I was informed that my account was closed. I then inquired as to why my account was closed and I ask " how do I withdraw my money from the bank ''. 

I insisted on make a payment, but was informed that they would not take a payment from me. I needed to make a withdrawal, but Wells Fargo would not allow me to make a withdrawal or accept a payment from me. The teller at the bank told me that they would deduct what I owed on the credit card from my checking account and they mail me the difference. Wells Fargo did not deduct the amount of the balance on the credit card from my checking account immediately. Instead, they deducted the money from my account much later than they indicated and did intentional financial harm. Wells Fargo made the payment on the credit card late and it resulted in a 30 day late on my credit file. Eventually, Wells Fargo did mail me the correct amount after making a payment on the credit card. The limit on the credit card was {$1000.00} and the balance at the time was no more than {$800.00}. 

Up until that time, I 've always made payment on time and I never had a late payment. My checking account always had a positive balance and I did not have returned checks due to insufficient funds. 

I have contacted Wells Fargo and ask them to correct this error, but they have failed to assist me in correcting an error that they made. 

CFPB, Please help me to resolve this matter. This late payment has caused me much distress and hardship and is severely affecting me in consumer transactions. 

XXXX XXXX
Consumer complaint received 2017-11-18
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Advance America, Cash Advance Centers, Inc. (SC)

( Advance America ) XXXX XXXX called my home several times after I told them not to. A XXXX XXXX called all my references and gave the all my personal information. XXXX XXXX told one of the references that they were going to take her to court and she gave her my personal information. XXXX XXXX also called XXXX and left a detailed message about garnishing my wages and sending a sheriff over to my house to serve me with papers. I have talked to several people and I advised them to never contact me by phone or my references and to send me correspondence, they still continued to call. I have asked XXXX XXXX for their address several times which they would never give to me. Someone should be punished for what they are doing to me. I offered to set up payment arrangements by sending a money order but they refused and said they can only take payment from my bank account. I still hold Advance America responsible for all of this.
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXXXX/XX/year> Caine and Weiner Subject : Follow-Up Dispute of Collection Account Request for Method of Verification To Whom It May Concern, I am following up on my previous dispute regarding the collection account listed on my credit report. In my initial dispute, I requested the removal of this account due to the collection agency 's failure to provide debt validation.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method used to verify the accuracy of this collection account. Specifically, I am requesting : 1. The method used to verify the accuracy of this collection account.

2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records used in the reinvestigation process.

As the collection agency did not provide validation, the continued presence of this account on my credit report is both inaccurate and non-compliant with the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ).

Please provide the requested information and update my credit report accordingly. If the information can not be verified, this collection account must be removed from my credit file as required by FCRA 611 ( a ) ( 5 ) ( A ).

Thank you for your prompt attention to this matter. I expect a response within the 30-day period allowed by law.
Consumer complaint received 2017-11-17
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: EQUIFAX, INC. (OR)

Last week I became the agent for power of attorney for my elderly aunt. She was the victim of mail fraud in the distant past. I would like to see her current credit report to make sure the information is correct and ultimately freeze her credit, because she no longer needs it and I wish to protect her from identity thieves. Thank you.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAINE & WEINER COMPANY, INC. (FL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly, they violated my rights.
Consumer complaint received 2024-10-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Halsted Financial Services, LLC. (FL)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Halsted Financial Services for violating the Consumer Financial Protection Act ( CFPA ) and the Fair Debt Collection Practices Act ( FDCPA ). I allege that Halsted Financial Services has engaged in the following unlawful practices : Failure to Provide Validation Information : Halsted Financial Services has placed a collection account on my consumer report without providing the required validation information as outlined in 12 CFR 1006.34 ( b ) ( 5 ). This information is essential for me to verify the accuracy and legitimacy of the debt. Denial of Right to Dispute : Halsted Financial Services has failed to provide me with the opportunity to dispute the account as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This has prevented me from challenging the accuracy and legality of the debt. False, Misleading, and Deceptive Practices : Halsted Financial Services has used false, misleading, and deceptive means in their collection efforts, which violates consumer protection laws. Unauthorized Reporting to Consumer Reporting Agencies : Halsted Financial Services has furnished information about the account to consumer reporting agencies without providing the required disclosures as outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). This action is unlawful and has damaged my credit report. As a result of Halsted Financial Services actions, I have suffered financial harm, emotional distress, and damage to my credit reputation. I request that the CFPB investigate this matter and take appropriate action against. I would be happy to provide any additional information or documentation that may be required.
Consumer complaint received 2017-11-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/XXXX I was depositing {$60.00} in ATM IN Bank of America branch in XXXX, NJ. I tried to deposit three {$20.00} bill, but ATM excepted only two bills, returning me {$20.00} back. I tried to put that bill 4 times, but ATM kept returning it to me.. AS a result, my account became overdrawn. Next day I went to another ATM machine and it did took the same bill. I have substantial relation with this bank:2 checking accounts, 2 credit cards, overdraft protection, 2 direct deposits. When I called customer service on XX/XX/XXXX, representative told me that I should have been driving around different Bank of America ATMs and deposit money there.It was XXXX XXXX, totally dark and unsafe. 
I have been customer of Bank of America since XX/XX/XXXX and it was my first overdraft fee ever, but they did n't consider it.
Consumer complaint received 2017-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NV)

On XXXX/XXXX/XXXX I received a notice from the bank that I owed them {$120.00}. So I pulled up my bank account and saw that their was a Phone number attached to the amount being levied against. So I called that number it was the California XXXX XXXX XXXX debt and collection unit. I got a call back from a person name XXXX XXXX XXXX ) XXXX Fax ( XXXX ) XXXX Voicemail, I explained to him that I was on Social Security and the account that Wells Fargo levied against was a account that I have n't used in sometime and when Wells Fargo levied my account the account was XXXX. He told me he did n't understand why Wells Fargo would do that because they knew that they would not be able to collect upon the debit and I would have to take that up with Wells Fargo. So I called Wells Fargo And spoke to someone over in the Legal Processing Unit ( XXXX ) XXXX they told me the case was closed because their was no money in the account to collect. But I still owed the bank {$120.00} for the processing fee of the court order. Wells Fargo is charging me this fee on an account that was already delinquent on funds. To charge this fee knowing no money is available is a very greedy practice.
Consumer complaint received 2017-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TN)

I reported to JCPenney/XXXX XXXX that I had fraud on my account causing a returned payment that was returned causing me to have a 30 day marker on all 3 of my credit reports that they did fix and then it reappeared also balance is incorrect Please see below : SYNCB/JCP Account Number XXXX Account Type Unknown Terms Revolving Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Current, was past due 30 days Status Updated XX/XX/XXXX Balance {$3400.00} Balance Updated - Credit Limit {$3100.00} Past Due Amount - High Balance {$4000.00} Monthly Payment {$140.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX Ownership Individual Original Creditor -  Company Sold-to - Original Amount - Comments - Payment History XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2017-11-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (IN)

I recently received my credit report as a result of current data and identity breaches, I find the company diversified consultants in my files! I sent out a letter to validate the debt owed demanding an original contract and accounting for the alledged debt because I had no knowledge of ever having a contract nor account with them. I ca n't acted the three major credit bureaus XXXX XXXX XXXX and demanded that they make diversified consultants prove 100 percent that I owed this amount and provide required information as such! It remains on my files and nothing has been provided which lawfully should be provided under fdcpa and fcra to collect a debt!
Consumer complaint received 2017-11-17
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. (FL)

I never looked at my credit report, because I did n't know how to do so. But when I get the account to get in, so much companies reported informations that I have no idea about. I need help. It hurts me. 

Dates : XXXX XXXX, XXXX Amounts : {$920.00} Actions : I called XXXX XXXX SERVICES and told them that I did not get on the Paramedic when they came to get me after an XXXX attack. My girlfriend told them the hospital never help, so I was not going, neigbors called them but I did not go. I got better on my own term by using natural help from neighbors, by the time they get there. I was already OK. They took my social security number, name and left, and later a bill of {$920.00} came. They did not even touch me. After a couple of years of argumenting with them they got XXXX XXXX XXXX to collect the amount of {$920.00} which we brought a solution in to remove it years ago, but on XXXX XXXX, XXXX it came back on again. And then they got another Debt collector name XXXX XXXX also collecting another {$650.00} which I have no idea where it came from also. 

Dates : XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) Amounts : {$460.00} Actions : I called them, I have no idea what 's XXXX XXXX XXXX XXXX. I checked it on XXXX, the area where this hospital is, I do n't live XXXX hours close to it. I contacted XXXX XXXX XXXX which is the debt collector, I told them I have no knowledge of these charges. They refused to remove them from my credit reports. 

Dates : XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Amounts : {$520.00} Actions : I have never have a XXXX XXXX service in my life before. Even XXXX XXXX yesterday could not verify it. So this needs to be removed. And they need to verify the social security of the person that owed them. The debt collector XXXX XXXX XXXX needs to remove this from my credit report. I have no idea what would this bill for. 

Dates : XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) Amounts : {$100.00} Actions : I did n't take action because people who owe XXXX ca n't still have service with XXXX, I have been with XXXX for 4 Years now, never have an issue. Where is that payment coming from. XXXX XXXX XXXX needs to verify with where they got this information and find the right person who owe them. 

Dates : XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) Amounts : {$530.00} Actions : XXXX XXXX is collecting {$530.00} for XXXX XXXX XXXX BANK which I have no idea what 's that. This needs to be removed. 

Dates : XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Amounts : {$520.00} Actions : XXXX XXXX is also collecting {$520.00} for XXXX XXXX BANK XXXX which I know but the amount is totally wrong, and the account is more than XXXX XXXX XXXX, a family member bought something with it when I found out about it later, and forgot about it ... 

If it was not for XXXX XXXX, I would never know about those false reports. Please remove them
Consumer complaint received 2017-11-17
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: EQUIFAX, INC. (FL)

I never looked at my credit report, because I did n't know how to do so. But when I get the account to get in, so much companies reported informations that I have no idea about. I need help. It hurts me. 

Dates : XX/XX/XXXX Amounts : {$920.00} Actions : I called XXXX XXXX XXXX  and told them that I did not get on the Paramedic when they came to get me after an XXXX XXXX. My girlfriend told them the hospital never help, so I was not going, neigbors called them but I did not go. I got better on my own term by using natural help from neighbors, by the time they get there. I was already OK. They took my social security number, name and left, and later a bill of {$920.00} came. They did not even touch me. After a couple of years of argumenting with them they got XXXX XXXX XXXX to collect the amount of {$920.00} which we brought a solution in to remove it years ago, but on XX/XX/XXXX it came back on again. And then they got another Debt collector name XXXX XXXX also collecting another {$650.00} which I have no idea where it came from also. 

Dates : XX/XX/XXXX ( 5 yrs, 5 mos ) Amounts : {$460.00} Actions : I called them, I have no idea what 's XXXX XXXX XXXX XXXX. I checked it on XXXX, the area where this hospital is, I do n't live 2 hours close to it. I contacted XXXX XXXX XXXX which is the debt collector, I told them I have no knowledge of these charges. They refused to remove them from my credit reports. 

Dates : XX/XX/XXXX ( 2 yrs, 7 mos ) Amounts : {$520.00} Actions : I have never have a XXXX XXXX service in my life before. Even XXXX XXXX yesterday could not verify it. So this needs to be removed. And they need to verify the social security of the person that owed them. The debt collector XXXX XXXX XXXX needs to remove this from my credit report. I have no idea what would this bill for. 

Dates : XX/XX/XXXX ( 3 yrs, 10 mos ) Amounts : {$100.00} Actions : I did n't take action because people who owe XXXX ca n't still have service with XXXX, I have been with XXXX for 4 Years now, never have an issue. Where is that payment coming from. XXXX XXXX XXXX  needs to verify with where they got this information and find the right person who owe them. 

Dates : XX/XX/XXXX ( 3 yrs, 9 mos ) Amounts : {$530.00} Actions : XXXX XXXX is collecting {$530.00} for XXXX XXXX XXXX XXXX which I have no idea what 's that. This needs to be removed. 

Dates : XX/XX/XXXX ( 2 yrs, 8 mos ) Amounts : {$520.00} Actions : XXXX XXXX is also collecting {$520.00} for XXXX XXXX XXXX XXXX which I know but the amount is totally wrong, and the account is more than 7 years old, a family member bought something with it when I found out about it later, and forgot about it ... 

If it was not for XXXX XXXX, I would never know about those false reports. Please remove them
Consumer complaint received 2017-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX/ XXXX XXXX appears with a high balance owing. 

There are XXXX dollars due to this Company. 

I have attached a Copy of most recent statement, that I printed online. 

I need for All 3 credit bureaus XXXX, XXXX & TransUnion to show XXXX amount owing. Correct Credit Reports and increase credit scores for all 3 Bureaus. 

Thanks
Consumer complaint received 2024-08-29
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)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate