davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BMO Bank, N.A. (WI)

Our company bank accounts with BMO Harris Bank were all closed XX/XX/XXXX. I stopped into the branch to make sure that all accounts had {$0.00} balance and that cash balances were transferred to our new bank account with XXXX XXXX ( XXXX ). 

I have an email asking to confirm that all accounts are closed. 

Almost a year later, we received a call from a collection agency stating that our business credit card has a transaction that occurred that generated significant amount of interest. I thought the transaction was fraud and stopped by my local BMO branch to notify them. 

The branch stated that the BMO Business Credit Card was never closed by their employee and that a XXXX renewal membership of {$65.00} was ran on the card. I agreed that the XXXX membership is ours, but the card was supposed to be deactivated, making it impossible for any auto pay vendors to process it. 

I agree to pay the XXXX fee plus the interest to be done with it and then verified with them at the branch that it was paid in full and the account is closed. 

Today ( XX/XX/XXXX ) I received a call from a collection agency on behalf of BMO stating that we have an outstanding balance of {$460.00} due. 

This is ridiculous. I stopped by the branch again and asked them to waive the balance. They explained that the account is in fact closed, but I have to discuss the balance with the credit card company. I try calling the credit card company and it just ends the call. 

I am being run around in circles for accounts that we tried to close out almost two years ago. I am being punished on my credit report and with a collection agency because a BMO employee failed to do their job. I have made no purchases with these cards as they were shredded the same day we closed our accounts. We do not receive any paper statements in the mail from them because they will not update our new business mailing address and our online account with BMO is locked.
Consumer complaint received 2023-07-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CO)

I made my monthly payment on time and it was posted in my checking account on XX/XX/XXXX. They did not apply the payment to my loan and now are saying I am 10 days delinquent and are charging me late fees. I emailed the customer service department and explained this and they sent an email back saying I was delinquent and did not offer any assistance in fixing their error.
Consumer complaint received 2023-07-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I am reaching out to request the immediate deletion and removal of the following accounts and associated information from my consumer report. It is crucial that these accounts and details are not reported, as their inclusion constitutes a direct violation of the FDCPA and FCRA. This violation involves several laws and must be rectified by promptly removing these accounts and information from my consumer report. I insist on their immediate removal to ensure compliance with the relevant regulations. Please take immediate action to address this matter.
Consumer complaint received 2023-07-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV INC. (WI)

This company called TRS is sending fraudulent papers in the mail pretending to be work for XXXX XXXX. But i called the XXXX XXXX XXXX XXXX, they told me, they have no Idea what I talking about. I sent them a copy of the letter, not sure your company has a copy. This need to prosecuted to the fullest extent. 
Thank you XXXX from XXXX XXXX XXXX
Consumer complaint received 2023-07-18
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: GOLDMAN SACHS BANK USA (FL)

The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2018-05-07
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: LOBEL FINANCIAL CORPORATION (NY)

File an dispute with XXXX regarding Lobel financial XX/XX/XXXX. Checked the status of the dispute XX/XX/XXXX states account removed now my credit file is reflecting the acct back on my credit file after it was removed their reaging this account
Consumer complaint received 2018-01-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (LA)

I 've been trying to submit complaints to Experian for months to no avail. They are failing to investigate the inaccuracies i am finding on my credit reports. Can they do that? I 'm sure there 's no possible way for them to suggest that my letters are not coming from me. I 've also contacted the creditor XXXX and they failed to respond as well. Is that legal? Can they do that? Just ignore my disputes like that? 

XXXX # XXXX This account is listed under MEDICAL. I 'm sure i 've never given ANYONE permission to share my personal medical information. I take that very serious. I 've contacted XXXX and requested a medical release form THEY IGNORED ME. There 's no way possible this account can be verified if they could n't verify it to ME. Please remove. 

# XXXX XXXX XXXX # XXXX I have NEVER done business with nor have i been contacted by this company. This company has NEVER reached out to me about this debt Clearly they have made a mistake. Please remove this account.
Consumer complaint received 2023-07-18
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)

On XX/XX/XXXX, my XXXX XXXX advised me of someone attempting to open an account with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. As a result, I double-checked with the credit bureaus as well as XXXX XXXX to confirm freeze 's had been placed. ( I had done this several years earlier as a precaution ). 

When I attempted to check on Experian, I was unable to do so because the phone number attached to my email address ( used as the login ) is not mine. I've had the same phone number for 15+ years. After many attempts to phone in and speak with a representative, it was made known to me via the IVR that the only option I had was to send written correspondence. 

I would think that in circumstances as a suspected account take-over that there would be better options to receive service and speak with a live agent. 

I would like for an Experian agent to reach out to me as soon as possible to rectify the apparent fraud, and then I would like to receive a copy of my latest report so I can ascertain if there are any fraudulent activities being reported. 

I was successfully able to self-serve and/or speak with a representative at each of the other bureaus and XXXX XXXX.
Consumer complaint received 2023-06-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

For several months, I have been receiving daily robo-calls from a variety of numbers that XXXX tells me all belong to Portfolio Recovery Associates , a debt collector. I don't answer, and no message is ever left. I have never received any written notice from this company specifying what they believe I owe. In fact, I owe no one anything. I have checked my most recent credit reports and those of my husband. Neither Portfolio Recovery nor anyone else ( except for our mortgage holder ) is listed as a creditor. Neither of us has any late payments -- both my husband and I have credit scores above 800. XXXX has also informed me that Portfolio Recovery is an unethical and problematic company, which is why I haven't tried to settle this with them. I have no desire to engage. 
Calls received have come from these numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-28
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: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer report. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Chime Financial Inc (CA)

I received a federal XXXX loan which got disbursed into my Chime checking account. 
Chime bank has locked my account and has not released my funds nor have they sent the funds back to XXXX. 
It has been over 1 year I have been going back and fourth with them sending all my information id, address, pictures they put me on hold or drop the call. 
I am already making payments to the XXXX for my loan and I have not even gained access to my funds. 
Why is chime bank holding my money? If they did not send it to me they need to send it back to XXXX. I have asked them to close my account and send me my balance. 
I was advised by a legal councilor to take the route of communicating with consumer finance.
Consumer complaint received 2023-07-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-06-28
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AR)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2018-05-07
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: Merchants and Medical Credit Corporation, Inc. (MI)

XX/XX/2012 First Reported XXXX XXXX XXXX XXXX Original Creditor I have never stay in this apartment. This apartment is in XXXX mi XXXX XXXX Is my sister There are a great of names on my credit report thats not mine XXXX forrer XXXX Michigan XXXX This the only address that should be on my report
Consumer complaint received 2018-05-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I want Trans Union to add my employer to my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, CA XXXX, XXXX   Position : XXXX XXXX XXXX, Yearly Salary : {$350000.00}.
Consumer complaint received 2023-06-28
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. These are account I want DELETED AN ARE UNAUTHORIZED Has no permissible use and are not accounts that I have had relationships with an are reporting on my credit file without my consent Please delete
Consumer complaint received 2018-05-08
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (VA)

XXXX XXXX XXXX sold my debt to National Credit Adjusters. I settled the debt with National Credit Adjusters but neither company will update the credit reports. The settlement was finalized in XX/XX/2018.
Consumer complaint received 2023-06-28
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: NCB Management Services Inc. (NY)

I have attempted to dispute hard inquiries and a collection through XXXX I wrote letter Ive reached to credit who informed me that a dispute must go thru XXXX however none of their investigations have yielded any results. I reached out NCB Management regarding this collection which is not my debt nor do I have any contractual agreement with NCB Management.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.
Consumer complaint received 2023-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).
Consumer complaint received 2023-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX is about Trans Union Supervisor, On XX/XX/2023 i put a call in to trans Union on a matter that was very sensitive and stressful to me as I have been fighting fraud for a few years. my complaint is with a supervisor by the name XXXX XXXX on approximal XXXX Est time I was transfer to a supervisor that was very argumentative on laws that he has no clue of and no understanding i called to fix the issues being furnished on my report to know that's i will be bumping to a supervisor aggressively about laws he has no clue of. its unfraternally this conversation was recorded, and I will be asking for a copy since it was recording. he was more worried about my believes in law then helping me.I want to file a complete on this supervisor. 
who truly question the ethnicity. Even when ask is we was done your employee for your trans Union department keep pushing for some type of respond.
Consumer complaint received 2018-01-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (TX)

I mailed a letter to DIVERSIFIED CONSULTANTS INC on XX/XX/XXXX stating that the account for XXXX XXXX did not belong to me. I requested that proof of validation and verification be sent to me right away. I received a letter from XXXX showing that the debt was valid and a statement was attached showing a balance but no verification that the account was opened or belonged to me. I requested a signed contract with my signature for the debt and it was not provided to me. So I am requesting that this debt be deleted from my credit.
Consumer complaint received 2023-06-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (IL)

I have two store credit cards with Comenity Bank ( XXXX XXXX  and XXXX XXXX XXXX ). Lately theyve been calling 6 times a day so I assumed three calls per each card ( which is still excessive ). However, today on XX/XX/2023 they called me at XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX PM, and XXXX. After they called the first three times, I started blocking the numbers and they started calling from new numbers. I have intentions on paying my bill next week. I just would like the excessive calling to cease. They also are calling from blocked phone numbers all day, but I can not prove its them because it says no caller ID.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2023-04-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (SC)

I sent in paperwork on XX/XX/XXXX to ask for a partial claim and then a beginning of my payments on XX/XX/XXXX. I understand I keep getting collection calls. For being past due. But the same mortgage company, American Home Mortgage Company. Has told me that I have to have my deck repaired and complete. And their insurance was only {$3500.00}. That covered a {$7600.00}. Repairing my deck because of a tree that. Fell on it XX/XX/XXXX. That difference of {$4100.00}. I, of course, used to repair the deck. I can resume my mortgage payments, of course, if they're a little bit more affordable. Currently, they're 1688 dollars a month I applied for a loan modification. For a 40 year term. And I guess that's the best I'm gon na get with that, and then a partial claim of the balance of that I'm caught up to date. I have not heard from the mortgage company in reference to this. They've called me four times in the last 10 days when I go to answer the phone. They hang up immediately. When I call back, they say there's no paperwork needed whatsoever. I ask, why are they calling then? They don't have an answer. They said, everything 's fine? So I called back again this evening and spoke with the very rude individual about. Lock and he told me that they were needing information from me and that it was a credit report from. 7th, that they couldn't get pulled because I had put a freeze on my account. I've done nothing of the sort. I think they're just stalling out so they don't have to do a partial claim and a loan modification. This is an FHA loan.
Consumer complaint received 2023-06-28
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have attempted to dispute hard inquiries and a collection through XXXX I wrote letter Ive reached to credit who informed me that a dispute must go thru XXXX however none of their investigations have yielded any results. I reached out XXXX XXXX  regarding this collection which is not my debt nor do I have any contractual agreement with XXXX XXXX.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.