davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-01
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO Bank, N.A. (NC)

On XX/XX/2023 I applied with BMO Alto to open a new jointly owned CD account with me as primary owner and my husband as co-owner. Their online application form required my personal information only, and stated that the co-owner will be invited to apply once the account is opened and funded. We funded the $ XXXX account via ACH, and the account officially opened on XX/XX/2023. 

On XX/XX/2023 my husband was invited via an email from BMO Alto apply for his co-ownership, which he did. Later that day he received another email stating that his ownership was denied, and that he would receive a follow-up email with more information. He is still waiting for that email. He called BMO Alto, and was informed that a co-owner can not be added to an account once it is opened and funded, which is in direct opposition to the online application process and also the opposite of what was stated in the first email he received. The customer service rep ( XXXX ) filed a complaint on my husbands behalf and was told a supervisor would call back in XXXX hours. He is still waiting for that call. 

On XX/XX/2023, I received an email from BMO Alto stating Thank you for choosing BMO Alto. We regret to inform you that we're unable to honor your request to add ( my husband ) to your account ( s ). This is to let you know that your account ( s ) will remain in your name only. Thank you for choosing BMO Alto. This is not what I wanted at all. BMO Alro took it upon themselves to change the application from a co-owned account to an account in my name only without my input or permission. I would have never allowed this had I applied for the account in person. I called the bank asking that the account be closed immediately and that our entire $ XXXX be returned without penalty, considering that the bank mishandled the account ownership. The rep I spoke with filed a complaint on my behalf and told me I would receive a follow-up call in XXXX hours. I am still waiting for that call. 

After a week went by without hearing anything from BMO Alto, I called the bank again. I reiterated my request. I was told that the account would be closed without penalty on XX/XX/2023, and that our money would be returned in its entirety within XXXX hours after the account closed. It is now XX/XX/2023. The account is still open. Our funds have not been returned. The bank has not contacted us.
Consumer complaint received 2023-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (OH)

Went into sears and got a 48 month interest free loan for bed. The bed came. However, they sent me a credit card. Used the card thinking the interest would be 25 %. Never got any free interest, and interest is now at 30 %. Its went up every month. Never been late. In fact they have given more credit. Then they call to inform of unauthorized charges. They add the charges then remove them, instead of just removing the charges. {$910.00} dollars. They charged 30 % interest on those unauthorized charges. Also, you never log in more than once with your password. Its always wrong and you have to go change everything. When trying to pull I up a statement it freezes up and kicks you out. Trying to get back in your password is wrong.
Consumer complaint received 2018-12-14
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: AFNI INC. (FL)

XXXX XXXX wrongfully trying to make me responsible for a Telephone bill, ( XXXX search States that AFNI is known for this kind of procedures ) XXXX  refuse to take this of my account stating that the information is accurate. 
I have never received any correspondence, the only reason I know about this is because of XXXX XXXX report. I have never used XXXX and have never ask for any kind of service they provide.
Consumer complaint received 2023-08-01
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/23 I noticed 2 charges from XXXX on my Bank of America Visa credit card. I did not make these transactions, and I opened a fraud claim with the bank ( claim XXXX ). 

The bank subsequently informed me that they were closing the account. 

On XX/XX/XXXX, while attempting to get some status on the claim, the Fraud department notified me that a payment was due, so I made a payment of {$1200.00}. 

On XX/XX/XXXX, I received the attached notice from the bank, stating that I had confirmed that the charges were no longer in dispute. This is factually incorrect. 

I have never received a final statement on the account, for the charges in the last payment. I can not reach the bank through online or phone channels, so I have mailed a letter to the bank requesting them to re-open the claim and send me a final statement.
Consumer complaint received 2018-12-31
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: Profit Services Group (GA)

To Whom It May Concern : I have recently been informed that there is negative information reported by PROFIT SERVICES GROUP in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an inaccurate entry listings of {$770.00} & {$350.00}. I challenge the accuracy, compliance and reportability of these listings. ( Can not collect debts twice ) There are no contracts, no valid claim ... accounts were settled with original creditor ... grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2018-12-31
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: EQUIFAX, INC. (CA)

I have had problems creating a myequifax.com account. I have submitted multiple complaints regarding this issue. Equifax still has not addressed the issue. Instead, Equifax claims that I complained about inaccurate information on my Equifax credit report. This is untrue. I have not complained about inaccurate information on my Equifax credit report. 

Now, when I contact Equifax, Equifax requires that I supply the information regarding the " inaccurate information '' on my credit report before anyone will talk with me about my credit file. Since I never made a complaint regarding inaccurate information on my credit file it is impossible for me to provide this information. Thus, Equifax has made it impossible for me to access my credit file.
Consumer complaint received 2023-08-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (CA)

M & T Bank is my mortgage servicer. Sadly they did not make the required escrow payment and my insurance coverage lapsed. They did not contact me about this. When I discovered it I tried to pay my hazard insurance premiums directly but it had been too long and the policy was cancelled. M & T put their super expensive forced place insurance on the property with out letting me know. All of the new hazard policies are at least double the cost. If M & T had simply done their job I would have affordable coverage. This costly mistake will force me to pay higher premiums for years to come.
Consumer complaint received 2018-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

I am a longtime XXXX customer, who drove off with a new, leased car in XX/XX/XXXX, and who continues to make my monthly {$460.00} payments to XXXX XXXX XXXX XXXX. But my credit report shows nothing about my lease payments from XXXX - present!! I realized this as I got weird information from XXXX XXXX, XXXX, NJ salespeople. XXXX XXXX kept calling me stating they want to give me a new deal. But one salesman said I was not paying my car note! Another said, my bankruptcy will make it impossible for me alone to get another XXXX ; said I needed my mom to be a co-signor. This was all said despite, me getting XXXX   before, with lousy credit, and despite me getting my mom to also get new cars from XXXX XXXX. So I skeptically got my credit reports from all 3 credit bureaus, only to see that XXXX reports my old stuff, but not my most current stuff! I called XXXX XXXX and got a representative who stated they did not report this new activity, because of my bankruptcy. ( XXXX is not part of that bankruptcy ). I forwarded an e-mail from my bankruptcy lawyer. It stated what I did : XXXX is not part of my bankruptcy plan. XXXX is a creditor paid outside of that plan, and thus, may lease/sell me another vehicle. 


XXXX claims the car is due back, in XX/XX/XXXX. ( It should have been turned in, XX/XX/XXXX ). But I got such weird, false information from car dealers, I did not take any new deals. But now, as I get closer to XXXX, I want XXXX to report my TRUE, new information! My bankruptcy is clear to the world. But my new lease agreement with XXXX is secret! ( Thank XXXX, I paid everything electronically, though my XXXX XXXX XXXX bill pay service. That allows a record, but only my OWN, not XXXX 's ). I deserve to have not only XXXX, but any other car dealer, rightly see my excellent credit with XXXX, as I seek to enter a new lease/car-buying deal!
Consumer complaint received 2023-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Atlanticus Services Corporation (FL)

On XX/XX/2023 at XXXX EST, I spoke with an agent in the collections department at Fortiva Collections. They verified what the last payment date was and agreed to do a settlement for deletion. The collection representative stated that I had until XX/XX/2023 to pay the settlement amount and if paid by that date the account would be marked as 'Paid In Full '. The Fortiva collection agent then informed me to mail the settlement payment amount of {$2000.00} to the following address ; 'Fortiva Collections Department , XXXX XXXX XXXX, XXXX XXXX TX XXXX. The Fortiva Collection agent that I had to pay the settlement amount of {$2000.00} by no later than XX/XX/XXXX. 
They also agreed to remove the late fees that were reflecting in the amount of {$120.00} The check was mailed to Fortiva Collections Department and placed into their bank account on XX/XX/2023 ( See Enhanced Copy of Cancelled Check Attached ). At this time Fortiva by cashing the check has agreed to the following which is clearly written on the back of the check they cashed and it clearly states : ( Quote ) " By negotiating this check, the creditor herein agrees that this payment represents paid in full, paid as agreed and further agree to remove this account XXXX from my credit report. '' ( End of Quote ) ( See Enhanced Copy of Cancelled Check Attached ). 

After the settlement amount was, Fortiva has continued to ruin my personal credit by reporting the account as Past Due, Late Payments when in fact they agreed to settle the account for the amount paid which is {$2000.00}. At this time, they continue to harass and phone me for payments and causing my credit scores to continue to be low due to their inaccurate reporting of this account which should be showing as 'Paid In Full '' and 'Removed from my credit profile ''.
Consumer complaint received 2023-08-01
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. (MD)

I am responding to your business reporting a debt you are trying to collect. You reported on all three credit bureaus Experian, XXXX as well as XXXX by postal mail, on XX/XX/2023, and identified the debt as verified debt owed. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. 
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was. 
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. 
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 
Tell me when the creditor claims this debt became due and when it became delinquent. 
Identify the date of the last payment made on this account. 
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
Consumer complaint received 2023-08-01
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: Spring Oaks Capital, LLC (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX SSN XXXX RE : Account XXXX ACCOUNT : XXXX Dear SPRINGOAKCAP, I am continually being called on the telephone by your firm over an alleged debt. I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. I am requesting payment history between me and the original creditors as well name and address of original creditor. I am also requesting to see proof of debt assignment. I request that you cease contacting me via telephone and all future correspondence be in writing. To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via XXXX v XXXX XXXX XXXX XXXX ; XXXX XXXX. App. LEXIS XXXX. Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the original creditor. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. XXXX XXXX XXXX XXXX Services, XXXX, XXXX XXXX XXXX ( D.Conn., XXXX XXXX, XXXX ) - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. 
Intimate knowledge of the creation of the debt by you, the collection agency. 
As I am sure you are well aware, under FDCPA XXXX XXXX ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXX, No. XXXX XXXX UNITED STATES XXXX XXXX FOR XXXX XXXX XXXX XXXX XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA. 
I look forward to a speedy resolution of this matter. Sincerely, Your Signature enclosures
Consumer complaint received 2023-08-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC (KY)

I received a text message. I contacted the company. The lady on the first told me it was for a date of service in XXXX. Then told me it was for a date of service of XXXX. The statute of limitations for medical debt in XXXX is XXXX  years. When I told her that, she told me that I had other dates of service up to XXXX and insisted that I make a payment to take care of this debt. I refused. 

In addition to this, the only communication I received was a text message stating to contact them for important information. There was no communication saying that I could dispute the debt and all of my attempts to do so via phone were met with I understand, but you owe this money. When I told her that I wanted to verify with my EOBs and the company who supposedly sold the debt to them, she said that I should go ahead and take care of it today so that I dont have to worry about it anymore. 

If it is my right to dispute the debt, then I should be given time to look into it. The first time I heard from this company was with the text message and then the subsequent phone call that I feel I was tricked into making from the text message. 

I attached the screenshot of the text message. This is the only communication I received about this debt prior to the phone call. It should be noted that at the end of the call, she wouldnt let me off the phone before she verified my address and phone number. I dont know if this is allowed either, but I wanted to note it in case. 

The lady was very aggressive about collecting the payment without me being able to verify the debt.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2019-01-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

Citibank checking account was opened XX/XX/2018 under the " Earn {$300.00} when you open a new checking account '' promotion. The terms of the promotion are to " make a deposit of {$15000.00} in new-to-Citibank funds '' and " maintain a minimum balance of {$15000.00} for sixty ( 60 ) consecutive calendar days ''. The account was funded with {$15000.00} XX/XX/2018 at XXXX PT as shown on the deposit receipt. The terms of this promotion were met, however, the promotion was not credited as promised.
Consumer complaint received 2018-12-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TrueAccord Corp. (ME)

Received this email, and I have never received one from this company before, contrary to the language within it. I have also never received any phone calls or letters in regards to this alleged debt. I am currently experiencing a household member going through a critical medical situation. Thank you.
Consumer complaint received 2018-12-14
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. (AL)

DATE XXXX-18 OVER 30 DAYS XXXX, Equifax, XXXX  HAVE NOT COMPLIED WITH REGULATIONS. 

EQUIFAX CERTIFIED MAIL # :XXXX Equifax. XXXX   XXXX XXXX. XXXX, GA XXXX. 


Dear Sir or Madam : I am a victim of identity theft. The information listed below appears on my credit report but I did not make or approve of these accounts, phone numbers, addresses, names, inquiries request for credit resulting in a credit inquiry. This happened because of identity theft.