davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO Bank, N.A. (IN)

We have a lawsuit in process against our mortgage company and my attorneys need copies of selected cleared/cashed checks for evidence in our legal suit. The decision was made for us to retrieve said check copies because it would ( should've ) be easier and a more convenient option. However the process of obtaining these check copies from our local branch has been unsuccessful. For the past 2 months my wife and I have been calling and visiting our local branch in XXXX Indiana consistently explaining how important these check copies are only too be ignored. We have spoke too both managers at our local branch in XXXX Indiana and they tell us they are working on our request but keep coming up with nothing. I personally told one of the managers they are WITHOLDING evidence to a legal case and my attorneys are needing these check copies ASAP and that has not helped at all. We are currently waiting on a call back from one of the managers that we were told would happen 4 days ago, still haven't gotten that call back. We have even offered to provide a fax number and email address to receive said documents and the managers declined.
Consumer complaint received 2020-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$800.00}, {$2800.00}, {$1800.00}, {$9000.00}, {$270.00}, {$1300.00}, {$900.00}, {$2500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 

-- AUTO ACCOUNTS 4. XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$270.00} -This is not my account. 

7. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$900.00} -This is not my account. 

9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account.
Consumer complaint received 2019-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (IN)

Open account at the beginning of the year. Called and asked for a statement. I was told I the information was online. Requested a statement to be mailed. When I went online Citibank would not let me see my charges because I was " late ''. I made a minimum payment so I could see charges. I brought current my balance. I was then told it could take 3 to 4 days for the payment to clear and then I could see my statements. The problem is after 3 days I would be late again. I contacted the executive office because I could not  believe that they expected a {$3000.00} payment without ever showing me a statement. The exec. office called me once and asked if I was able to get the information online and I told her no. I never heard back from her. I was told she sent a letter, which I never received, addressing a problem that was not consistent with my complaint and not being able to see a statement. After a few months I contacted the exec. office to try to resolve the problem. On XXXX XXXX I spoke to XXXX who said she would email me the statements no later than XX/XX/XXXX. I requested and she agreed that she would call me to confirm that she had emailed the statements. I have not heard from her even though I have left a message asking her to call me back. I am now 90 days late and this is going against my credit which I try to keep perfect. I was told it is the company policy to block the online account when someone is late on a payment. I normally pay my account in full every month. I think it is unrealistic to ask me to make a payment for {$3000.00}, which now they say approx. {$2000.00} without seeing the charges. The outstanding balance has changed from the amount they first requested. Also, I am told I will not be able to dispute any of the charges because it is now beyond the timeframe. Please help me get statements for the charges, clear up my credit and have waived all late fees and interest. Thank you.
Consumer complaint received 2019-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please know that I was not late on XXXX  XXXX****, XXXX XXXX XXXX****, XXXX XXXX***, XXXX XXXX****, XXXX XXXX****, XXXX  XXXX****, XXXX XXXX XXXX**** I wonder why XXXX, XXXX and Transunion report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me
Consumer complaint received 2020-08-23
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. (OH)

Notified XXXX XXXX XXXX approximately 30 days ago to dispute a fraudulent credit card on my credit reports and they still have not validated the debt with me which is against the fair credit reporting act. There is no evidence of this debt being mine which in result needs to be deleted. XXXX XXXX XXXX has provided me no details in the investigation or evidence so I want deleted
Consumer complaint received 2020-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NH)

On XX/XX/XXXX : XXXX XXXX and myself came to an agreement for me to pay {$1700.00} due on XX/XX/XXXX as a debt settlement. I submitted the amount of {$1700.00} on XX/XX/XXXX at XXXX in XXXX, Massachusetts. I obtained a bank check through my credit union. The women working at XXXX was having trouble entering the payment and had to call her manager for help. After waiting a long time, the manager stated that it was all set. On XX/XX/XXXX, I received a letter from XXXX XXXX stating that the above amount was not paid on XX/XX/XXXX and therefore they were going to report me as bad debt to the credit reporting agencies. I immediately called my bank whom issued me the check. The bank manager stated that XXXX XXXX tried to charged them twice for the amount of {$1700.00} and my bank cancelled one of the checks, and the other check was cashed by XXXX XXXX for the amount of {$1700.00}. I called XXXX XXXX  and they stated that I did not pay them, and my balance was {$5000.00}. I sent them the documentation, and they finally sent me a letter stating that my account was settled. Then on XX/XX/XXXX I received a court order to appear in court. The document stated that the last payment I made to XXXX XXXX was on {$1700.00} on XX/XX/XXXX ( which was the agreed settlement amount and date ) and that I owed {$5000.00}. I called the collection agency right away which was called Law Offices XXXX XXXX XXXX, XXXX and I spoke to XXXX XXXX, rep. She had me send the documentation over to her. After she reviewed it, she told me I was all set and I did not need to go to court. She also stated that her client, XXXX XXXX made an error and everything is all set. 
It has been almost 4 years, and XXXX Bank is still showing on my credit report through all the agencies as closed but with a balance of {$5000.00} and as bad debt. I tried to call them and all the representative stated that my balance is XXXX and they do not know why the credit agencies have this balance shown. I also disputed it with Experian which stated that the account is closed, but the balance still shows. Recently on XX/XX/XXXX my credit score went down 100 points due to the card. 
I tried to refinance my mortgage so I can pay a lower monthly payment and pay it off sooner. I spoke to XXXX XXXX and they stated that they can not give me a loan due to my credit score which is now XXXX. They stated it is because of XXXX XXXX   showing that I have balance of {$5000.00} and it says charged off as bad debt. I explained to the story, and they stated that until that says balance XXXX or is taking off my credit report I can not get a loan. I also spoke to my bank who still can not believe that I am still dealing with this. 
I have spent hours of the telephone, sent letters, faxed papers. I really do not know what to do next. I am praying you can help me.
Consumer complaint received 2020-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/XXXX at XXXX my bank account ( Chase Bank ) was  accessed by an unauthorized user. I received a notice on my phone of suspicious activity and noticed there were unauthorized transfers of {$720.00}, {$550.00} and {$500.00} through XXXX, the last of which was rejected and flagged as suspicious. I called Chase within 5 minutes of the transfer and asked them to stop the pending transfer and initiate a fraud investigation. They initiated an investigation, walked my through creating a new online account and restricting my checking accounts. They instructed me that the funds would be credited to my account after 10 days. However, after 13 days I called when no credit was applied and I was informed that my fraud claim was denied ( without notifying me ). They insisted that the transfer came from my IP address therefore it was not fraud. I insisted that I was sitting at my computer when the transfer happened and had not logged in for approximately 10 days prior, so I must have been hacked. The informed me they were very sorry, but I have no recourse for being hacked. I asked why I can stop an ACH transfer, Credit purchase or other transfer but not a XXXX transfer. They said because XXXX is a third party and the transfers are instant, I have no recourse. Chase shows the name and the phone number of the person who the money was transferred to, a person I do not know, and will only investigate superficially.
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

XXXX keeps a re-aged account insisting that an account was opened in 2016. I was not in school at this time and they keep verifying account with credit reporting agencies. MPN does not exist for this time.
Consumer complaint received 2020-08-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Comerica (FL)

On XX/XX/20 I received a debit card from a bank unknown to me, Comerica Bank. I immediately contacted the bank requesting to speak with someone in the fraud department. After many hurdles, I finally spoke to XXXX at the bank 's fraud dept who advised the debit card sent to me at my home address was under review and being closed. Addtionally, on Saturday, XX/XX/20 I received a slew of mail from Comerica Bank for two overdrafted accounts ending in XXXX and XXXX. On Monday morning, XX/XX/20, I called the Comerica 's Fraud Dept again and spoke with XXXX regarding the unauthorized opened accounts. I was told the account was opened on-line and that this would negatively impact my credit if I do not submit payment. I requested the on-line application and any other information used to open the accounts with the bank. XXXX said Comerica can not provide that information. I then spoke with XXXX at Comerica 's Quality Control Dept., who said the account was opened on-line on XX/XX/20 and that he is not able to provide any information concerning the accounts to me other than what is owed. Comerica refuses to investigate the online accounts they established. Comerica refuses to provide information to me filed under my name. Comerica insist on filing report to Credit Bureaus if payment is not received. I have never heard of Comerica Bank until now, and did not open these accounts. XXXX  provids credit protection for a monthly fee to me. XXXX  security breach was compromised a few years ago and my private information has been exposed. A freeze on my credit has been and continues in place with all three Bureaus :  XXXX, XXXX, XXXX XXXX. XXXX advised that during the COVID Pandemic, accounts are opened on-line, that the bank can not foresee fraud and accept on-line applications when information is provided ; that a credit check is not required to open accounts on-line. This is extremely dangerous. My excellent credit is now at risk and Comerica staunchly refuses to investigate the validity of the unauthorized, on-line accounts they have fraudulently opened.
Consumer complaint received 2020-06-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MI)

My mortgage company is refusing to provide me with a payoff statement. I requested a payoff statement on XX/XX/2020 and it is now XX/XX/XXXX and they have still not provided it. I followed their procedures of ordering the payoff online and followed all of their directions. 

Since I have placed the order, they have not replied to my request. It has been 17 days and still no response.
Consumer complaint received 2019-10-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: WESTERN UNION COMPANY, THE (MA)

hi I am a customer of Western Union and I am writing to file an official complaint with Western Union regarding theirmoney transfer issues. I have been sending money with Western Union since XX/XX/XXXX. Recently in XX/XX/XXXX, the company has adopted unfair trade practices in its money transfer transactions including offering different exchange rates when initiating a transaction via its mobile app as opposed to the in-store kiosks. 

Issues at hand : 1- within a periodof 6 months, Western union has hiked its online transfer fees from {$4.00} to {$5.00} and now to {$7.00} per transaction ( the latter is conditioned on a lower currency exchange fee _ XXXX ) 2- twice this week I initiated money transfer online but before I completed the transaction, the currency exchange rate dropped from UGX XXXX to UGX XXXX per US XXXX  dollar. Obviously I cancelled the transactions and did the transfers using the in store kiosks which gave me the higher currency exchange rates of ugx XXXX shillings XXXX per US dollar BUT with an even higher transfer fee of {$8.00} now. This is a ripoff and illegal to charge different charges for the same transaction to the same location for the same amount. 
Please help Very upset customer
Consumer complaint received 2020-08-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

I noticed that I have a collection account on my credit report from COMMONWEALTH FINANCIAL SYSTEMS for the amount of {$310.00} the original account being from XXXX XXXX XXXX. This charge was placed on my credit report on XX/XX/XXXX. When I called I found out the debt was from XXXX. This is 6 years ago and has just been placed on my credit report. I don't remember this service taking place. I have never been contacted for this debt since it supposedly occurred either. The state of Florida has a law that you are not allowed to collect on a debt more than XXXX years old. So this is wrong and is stopping me from being able to apply for a home loan. I have no recollection of this service occurring.
Consumer complaint received 2020-06-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN HONDA FINANCE CORP (GA)

I entered into a settlement agreement with XXXX XXXX XXXX XXXX XXXX to payoff an outstanding charge off with American Honda Financial Corporation. The settlement was paid in full as agreed on XX/XX/2020 and XXXX confirmed that the debt had been settled. American Honda Financial Corporation, on the other hand, refuses to accept the settlement and is still reporting an outstanding balance of {$670.00} to the XXXX  credit bureau. They have also reported this account as a charge off on 11 different occasions, lowering my credit score each time it is reported.

I have been unable to contact American Honda Financial Corp by phone ( I have been on hold for up to 50 minutes at times ), their phone system was also down for a full week ( first week of XXXX ), and they have not responded to written correspondence.
Consumer complaint received 2020-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (FL)

PNC does not allow " linking '' of our accounts with accounts that reside at other financial institutions, such as money transfer services such as XXXX, XXXX, and XXXX. PNC 's policy is harmful to consumers and an unfair business practice, given that every other large regional/national bank allows account linking. 

PNC has denied me access to over {$130000.00} because of their unfair and self-serving account linking transfer restrictions.
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

COLLECTIONS XXXX {$120.00} COLLECTIONS XXXX {$130.00} COLLECTIONS XXXX {$1500.00} XXXX XXXX {$5100.00} XXXX XXXX {$150.00} XXXX XXXX   XXXX {$22000.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX  XXXX {$260.00} XXXX XXXX {$720.00} BANKRUPTCY CHAPTER XXXX DISCHARGED XXXX {$0.00}
Consumer complaint received 2020-06-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (VA)

LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX  XXXX XXXX, SC XXXX ( XXXX ) XXXX has two collections on my credit report. I have submitted to complaints with XXXX who havent taken action to investigate beyond the company just replying its accurate. However, I have never dealt with this company. The credit report shows them as a debt buyer who acquired this debt from XXXX XXXX XXXX  XXXX XXXX. I have never dealt with XXXX XXXX XXXX. I have received no notification of this debt until its showed up on my credit report in collections. I dont know anything about LVNV. They may be a scam company that buys extremely old written off debts and then tries to collect by damaging the credit of people without their knowledge. I want this collection removed from my credit report.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX 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  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-21
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. (MD)

I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.