davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMO Bank, N.A. (AZ)

Certified Letter below sent to creditor BMO BANK.- No response to request or any communication. 

XXXX XXXXXXXX, Please escalate this to the offices of the executives. 
I received a Notice of Default and Right to Cure Before Repossession dated XX/XX/XXXX. THIS NOTICE IS AN ERROR. 
In XX/XX/XXXX, I called BMO because of a XXXX XXXX and asked for some assistance. I was asked questions regarding my bills, income, and reason for request. I was granted XXXX XXXX of small payments of {$35.00}, then returning to normal payments in XX/XX/XXXX of {$310.00}. I was assisted by XXXX XXXX from BMO. I have been told after the fact and days later, she said made an error in the calculation after I made my agreed hardship payments, see email below and you accepted my payment. 
I started XXXX and XX/XX/XXXX with my original payments of {$310.00} and am in currently in good standing. If your representative did make a mistake, I never received an email or letter and why did XXXX accept my payments. 
Notice of default states I owe {$880.00} by XX/XX/XXXX. I have spoken with no less than XXXX representatives to resolve this matter. I went to a branch and ask them to call the RV loan department. I have filed a claim with the offices of the executives and still no resolution. Again, I would expect a company like BMO to honor their word. I am a good customer and always paid on time but had a XXXX XXXX XXXX XXXX XXXX  ) and needed help. 
Please call me at ( XXXX ) XXXX. If I miss your call, leave me a voicemail and I will call back. I am asking not to speak to customer service representative but a manager and above for resolution. 
Thank you, XXXX XXXX BELOW is a copy of the email receipt of my hardship payment accepted. 

XXXX XXXX XXXX BMO RV Payment/Hardship/Accepted XXXX XXXX message XXXX XXXX XXXX To XXXX XXXX XXXX XXXX Fri, XX/XX/XXXX at XXXX AM This payment was for the amount of the amounts of the hardship for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX = {$100.00} XX/XX/XXXX start over {$310.00} -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX Date : XXXX XXXXXX/XX/XXXX at XXXX Subject : BMO XXXX XXXX XXXX Confirmation XXXX To : XXXX Dear Customer, Thank you for using BMO XXXXXXXX XXXX XXXX 
Details of your payment for Loan Account XXXX XXXX are below. 
Payment Date : XX/XX/XXXX Payment Amount : {$100.00} Loan Account Number : XXXX Payment Account : Checking XXXX Payment Reference ID : XXXX If you have any questions concerning your payment, please contact us at XXXX. 
To explore other ways BMO Bank can help, please visit us at bmo.com. 
Thank you, we appreciate your business. 
Please note : This email message was sent from a notification-only address that can not accept incoming email. Please do not reply to this message.
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: SYNCHRONY FINANCIAL (VA)

In accordance with the fair credit reporting act : 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 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 an account without my written instructions.
Consumer complaint received 2024-10-03
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: CLGF Holdco 1, LLC (FL)

Summary : hard credit pull from credit card I did NOT apply for Company : XXXX XXXX XXXX Concora Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card : Indigo XXXX Received an email on XX/XX/2024 ( from XXXX ) saying my application for their credit card was denied. I did NOT apply for this credit card. Checked my credit and there has been a hard credit inquiry from this company. When I tried to call the company for more information the automatic answer requested my social security number before I could talk to a person. I was not comfortable sharing that information and was not able to talk to a company representative. 

Note : I have not lived at the address used for the application in over 18 months.
Consumer complaint received 2022-09-10
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX  Account # 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 2022-07-28
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX  XX/XX/2020
Consumer complaint received 2022-07-28
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. (FL)

I sent a letter to Credit bureaus on XX/XX/2022 to remove inaccurate names : 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 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 {$1500.00} ;, that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to block any items or information not later than 4 business days after the XX/XX/XXXX letter.Ive already included this in my previous Complaint # XXXX XXXX, XXXX, XXXX & I am including it again.,
Consumer complaint received 2022-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NJ)

On or about XX/XX/22 received marketing call from Chase offering a 0 % APR credit card. The caller said I could transfer my Chase Amazon balance of about {$3500.00}. I asked how much the fee was. He said " XXXX XXXX ''. Someone else might not have asked more questions- the fee was {$990.00}. Usurious fees and misleading presentation.
Consumer complaint received 2022-04-06
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-07-28
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of inquiries which do not belong to me or were opened without my permission. 
XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-07-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc. (CA)

I was signed up for a renewing digital subscription to a newspaper without my knowledge. I never paid for the subscription, went on the website, or read the paper. The subscription then autorenewed in my name, despite me not knowing about it or ever using it, and then they started sending my bills for the subscription to the paper that I had never read. Now, they're sending a debt collector for the {$23.00} bill
Consumer complaint received 2024-10-02
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: BARCLAYS BANK DELAWARE (GA)

I have been a victim of identity fruad since XXXX. Towards the end of every year I review my credit report just to make sure everythig is reporting accurately. I noticed that I had a hard inquiry on my report from this company. They sent me a letter asking for my drivers license and social. I declined and instead wrote them a letter XX/XX/XXXX via mail to inform them that this was fraud. I never applied to this company and I have no reason to. They fdailed to respond to me within the 7 days of notice. They refused to respond and kept the inquiry on all of my credit files.. I even contacted the credit bureaus about the matter and told them that I reached out to this company. My credit file reflected between XXXX and XX/XX/XXXX this inquiry was removed. Then it was placed back on my credit file which is illegal after I have communicated to them that this was fraud. I have attached the letter that was sent to them and proof of certified mail, and the letter that they sent me as well as prood that it was removed from my credit files
Consumer complaint received 2024-10-02
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: CITIBANK, N.A. (CA)

Dear CFPB Representative, I would like to file a formal complaint with CFPB against Citibank Cards, specifically in reference to my CitiCostco credit card due to duplicate transactions posted to my account, both as pending authorizations and posted transactions. 

I currently have XXXX posted transactions in the amount of {$810.00} that still have pending preauthorizations. I have spoken to several call representatives regarding this issue, they have informed me that " there is nothing they can do to reverse these pending transactions and based on their merchant agreements, they allow the merchant up to XXXX  days to process the transaction which will then automatically fall off within XXXX  days. '' Additionally, there is a fraudulent pending preauthorization posted to my account on XX/XX/year> by XXXX XXXX XXXX in the amount of {$85.00} that still remains after I reported my card as stolen/requested for a replacement card. 

I do not believe the Citibank is protected me as their consumer and refusing to reverse fraudulent transactions made on my account, and when I say fraudulent I mean I did not authorize for these merchants to place multiple transactions on my account for the same transaction. Additionally, I do not believe the Citibank is acting in the best interest of their consumers by refusing to reverse these fraudulent transactions and holding me financially liable for multiple charges made to my account without my authorization. 

I am hoping that CFPB can step in to help me as the consumer to be treated fairly. Thank you kindly. 

All my best, XXXX XXXX
Consumer complaint received 2020-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (MN)

My Wells Fargo Credit card is inactive and I have been trying to pay it off and close the account for a couple of years now. Automatic payments were set up through Wells Fargo on three different occasions. These payments of {$200.00} a month were dropped at least twice. Back payments and late fees accumulated. XXXX XXXX XXXX has record of two years of payments initiated by Wells Fargo. Wells Fargo denies I ever made arrangements with them.
Consumer complaint received 2024-10-24
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. (GA)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2022-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (OR)

I am a protected citizen with a XXXX XXXX I am XXXX. Wells Fargo was asked by me to add a POA to my checking account for in case of an emergency only and with only written consent to authorize a transaction for y XXXX children. Instead the wells Fargo employee decided I should add a joint owner to my account i clearly stated that at no point am I authorizing any use of the account as she would require written consent from e in the case of an emergency and I was hospitalized and needed a transaction are to help my children to this day I have still never authorized any transaction. 
I do not check my account because I have direct deposit of my XXXX check and my work paycheck and I barely utilize my account and so I have just been trying to save enough money to buy a home. On XX/XX/XXXX I called customer service at Wells Fargo and was told my balance my account was almost {$50000.00} less than what it was supposed to be. They informed me that the person that they added to the account had made transactions since XX/XX/XXXX all of which I did not authorize because there has been no emergency. I disputed over 300 transactions and had to file 4 seperate case numbers for each type of transaction and a police report and a claim dispute on the wrongful doing of them adding her as a joint owner instead of a poa which is what I requested to begin with and them doing so without me having legal representation present due to my XXXX which is required putting me at risk. I then filed a police report. Wells Fargo came back and told me that because she was a joint owner on the account they would not reimburse me for any of the disputed charges. I contacted an attorney who informed me that due to Oregon State law wells fargo legally had to have a legal representative present with me to ever add anyone to my account due to my XXXX status and the risk of me being financially exploited and abused financially which is in fact exactly what happened. And the attorney said that they have to reimburse all of the funds to me because I am the one with direct deposit to the account and so that is my money and it is government XXXX money at that which is not for anyone else 's use but my very own regardless if they are on the account as a joint owner. The attorney also stated that due to my XXXX  XXXX they are mandated to protect me from financial exploitation and fully reimburse me and then go after her for the full amount due and criminally prosecute her.
Consumer complaint received 2022-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (WI)

Hello, Since XX/XX/XXXX I have been receiving emails from US BANK ( XXXX so far ) that do not pertain to me. My email address is XXXX. I do not have an account with US Bank since XXXX when I had a mortgage there. 

From the emails I've been receiving it looks like someone is trying to open an account with my email and possibly my name. One email it addressed to XXXX XXXX XXXX. My name is XXXX XXXX XXXX. 

I have called the bank each time I've received an email and have been transferred to the Fraud Dept. XXXX has a different social security number. I was told they may have mixed up our accounts and was given an email to go to and told to write in STOP. My email did not go through. 

I have attached the emails.
Consumer complaint received 2022-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CA)

I XXXX XXXX is a natural person who granted to Open a Deposit Account with the XXXX XXXX  on Behalf of Chime Financial. I was incompetent when entering this contract and come to find out about a Security interest that was granted by not knowing at the time created another account with interest. I granted them credits and been trying to transfers the conveyance of my principal and the company Chime Financial is not disclosing to me the rights of my security interest. I have proof in the disclosures that was inside of the Chime Financial app. I evoke my rights as the natural person who granted the credit of interest thats obligated to me. On XXXX XXXX XXXX disputes Unauthorized transactions to XXXX XXXX XXXX  who is a member of the FDIC on behalf Chime Financial and was denied twice of my Insurance rights. I sent in proof and time was waisted due to the company not providing remedies nor updates. 

This company has violated and are breaking the law 16 CFR Subsection 444.3
Consumer complaint received 2024-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2022-10-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A. (IN)

Around XXXX XXXX XXXX XXXX XXXX XXXX XXXX transmission went out and we applied online through Our bank pnc mobile banking loan application process, when we done this we got a phone call as someone pretended to be a loan officer for pnc bank telling us we were approved XXXX but needed additional information from us to move forward. So we provided our personal details cause it was our only hope and our bank of multiple years. After doing so our online banking was hacked our bills got returned that were posted and cleared multiple weeks and then withdrew out of our accounts and making all our bills past due hit with return check fees and us to be out XXXX plus dollars. Our electric got shut off our vehicles almost repoed her car now has I am XXXX now behind on my truck. Bank claims it our faults when we only used their services, how did the scammer/hacker obtain my information to even know I applied pnc or banked with pnc. Pnc will not help us out will nit refund our money instead they have been rude closed our accounts and now have us in collections, since all this happened it made all my credit cards be backed out by fees and returned payments my credit to drop XXXX points and completely turn our lifes upside down and our money has never been returned. We cant apply or be approved for anything cause our credit is shot our bills are way past due and impossible to catch back up on. We cant provide for our XXXX kids fully as we wish now, we had to get food assistance go to food drives sleep in the dark and sell multiple personal items now from all of this. We keep praying things would change but pnc bank just brushed us off didnt care turned us into collections for the amount back which was technically our hard earned money our bill money and our lifes they just completely destroyed. They are amount make me lose my truck thats leased through XXXX XXXX I need to run my business and provide for my kids.
Consumer complaint received 2019-05-17
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. (TX)

Equifax and XXXX are reporting incorrectly that I am 90 - 120 days past due on the XXXX and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 10, 11, 12, and 13 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2024-10-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

XX/XX/year> Contacted XXXX Midland Credit Management explained they are calling wrong number and wrong person. I have told them this several times. I do not have an account with them. I am not the person they are trying to reach and do not know who that person is.They continue to call my home daily. Other numbers they are calling from : XXXX, XXXX and XXXX. They have been calling my cell number XXXX.