davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (NJ)

On XX/XX/2022 I went to the ATM in XXXX, New Jersey XXXX XXXX  to withdrawal {$270.00} from my daughter monthly XXXX XXXX  card on that day. Then I realize that the ATM wasn't letting me proceed with my transaction due to insufficient funds. So I was confused because I knew that day funds will be available. I then check my account balance and realized that my money was missing in my account. I was very confused and immediately reached out to the fraud department to report a transaction dispute with a claim. I literally mentioned to the representative that I'm confused on how transaction occur because my card was home with me at the time and date and I clearly didn't make this transaction. I also been told after I filed a police report and submitted my claim and did everything I need to do that there's was nothing they cant do to help me they denied my claim. My daughter bank is with Direct express. They kept denying my claim. So I then decided to do my own investigation to see who can help me in this matter because I never received my money back as of yet. I reached out to XXXX  and they stated for me to reach out to you guys for help.
Consumer complaint received 2023-03-29
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. (OR)

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 reports no consent is fraud.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law XXXX, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. This account is NOT mine, I also inform you and show evidence that XXXX deleted this account because it is not mine proof on attach
Consumer complaint received 2024-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (TX)

I was told my funds would be available on XX/XX/XXXX. Then an additional hold was placed. Funds noe wont be available until XX/XX/XXXX. I was told there was a fraud hold for collectability of the amount. I asked what that meant and XXXX saod the funds had not cleared. I verified with the issuing bank and it was verified thst the funds had cleared and there was no problem with fraud or the funds. 
My bank still wknt release the hold says jts compuyet generated and theres nothing they can do. I was lied to multiple times about the hold and the reason fpr the hold being placed.
Consumer complaint received 2024-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO Bank, N.A. (NV)

In XX/XX/XXXX, I made a purchase online with a company called XXXX. I had requested them to process a reseller 's certificate license through the state of California and send me the license. A month went by and no license was forthcoming. I emailed the company 3 times with no response. There is no number listed on their website of which to call to reach them so the only way I can communicate is via email. When I received NO response, when I received NO license, I looked the business up on the California Secretary of State website and discovered this company was " not in good standing '', their incorporation status had been " revoked ''. Since I had no response from the company AND the company was not in good standing with the state I filed a chargeback against the company with my bank for fraud. I had no other option as the above information I had gleaned from my search led me to this conclusion. 

BMO bank went through their investigation process, NEVER at any point in time asked for any paperwork from me justifying my claim. BMO Bank just denied the claim and closed it. 

I then reached out to this company, XXXX, in XXXX and XXXX and AGAIN and their response was that they had sent me the license in XXXX so I asked them to resend it. The owner, XXXX, said that since I " was rude '' I had to pay another {$100.00} to obtain my license which is now extortion. I asked for proof of the emails he claimed to have sent in my attempts to reach them in XXXX and he refused this, too. 

In XX/XX/XXXX I filed a complaint with the California Attorney General 's Office, too. 

It was now XX/XX/XXXX and I mailed a letter to the bank to their debit card fraud department - NO RESPONSE. 

I then mailed the bank a CERTIFIED letter XX/XX/XXXX - NO RESPONSE!!!! 

I finally had enough and contacted my bank 's manageXXXX, XXXX, in XXXX, NV and she tried to resubmit the claim only to be told by the bank 's debit card department that I was now " out of time ''!!!! 

This is just absurd!! I have made numerous attempts to have this properly investigated only for the bank to drop the ball at every single point, fail to do the proper due diligence and have left me, the customer, exposed to fraud and failed in their fiduciary duty to their customer. 

I wanted my money refunded along with compensation for my time that I have had to engage in to be made whole against a business that engages in fraud. 

Lastly- I obtained my reseller 's certificate in XX/XX/XXXX on my own with the Taxation Department. I also was informed in that same phone call that the license XXXX attempted to do was never completed so this business LIED to me. He never did the work that I paid him to do AND obtaining a reseller 's certificate IS FREE OF CHARGE!! I WAS CHARGED {$110.00} FOR A PROCESS THAT IS FREE!!!!!!!!!!!!!
Consumer complaint received 2024-06-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BMO Bank, N.A. (CA)

On XX/XX/year> I paid in full my card {$1000.00} On XX/XX/year> the automatic payment has been applied and I have charged an additional {$25.00}. 
There are several other CC that do the same, and it could last months to refund the overcharges, w/o paying any interest for those money. 
Communicating through email with this CC is not available. If Calling it takes very long waiting times.
Consumer complaint received 2024-05-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BMO Bank, N.A. (VA)

on XX/XX/24 I received statements in the mail for XXXX checking accounts that where opened fraudulently in my name at BMO Bank. I called XX/XX/24 and was able to get account closed with customer service representative at BMO Bank named XXXX. I then proceeded to contact the Federal Trade Commission, put an alert/hold on my credit, contact the credit bureaus and follow any instructions given by the Federal Trade Commission XXXX on XX/XX/24 I received emails from BMO Bank for both checking accounts that I had closed on XX/XX/24 stating that there was a statement to be viewed and to log into my account. I called BMO customer service because I don't have an account to view the statements and I wanted to confirm the accounts had been closed and that no money had been laundered. as of the statements I received on XX/XX/24 there was no money in either account. The customer service representative said he could not disclose any info to me, would no email me or mail me the statements, and stated that he could not view the accounts and I had to call the Federal Trade Commission to get report my identity being stollen. advised I had done that I just needed to confirm the checking accounts where closed and wanted to view the statements. He still refused to help me and kept telling me the Federal Trade Comission could view the statements and I had to call them
Consumer complaint received 2024-07-11
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. (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered XXXX XXXX. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Consumer complaint received 2024-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (CA)

I received a promotion to open a checking account at BMO bank ( Exhibit 1 ). To receive {$600.00}, the terms stated : 1. On Day 120 after account opening, your Average Collected Balance over the 120 days must be at least {$10000.00}. 
2. Have at least ten ( 10 ) electronic transactions post to the account within 120 days of account opening. 

I did not understand the meaning of Average Collected Balance and the branch manager at the XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, explained that it simply means money deposited and not later returned. XXXX XXXX confirmed that I may deposit a check and that the first day of the 120 days would be on the day that the check is deposited. 

I opened the account on XX/XX/XXXX at the XXXX XXXX XXXXXXXX and XXXX XXXX again confirmed that the check deposit would be day one of the 120 days period. I deposited a check for {$10000.00} at account opening. 

There was an issue with a charge on the account that was corrected on XX/XX/XXXX and XXXX XXXX confirmed that the average collected balance would be above the required {$10000.00} [ for the {$600.00} bonus ] if the current balance was held until the end of the 120 days ( Exhibit 2 ). 

My statements ( Exhibit 3 ) show the {$10000.00} deposit on XX/XX/XXXX, eleven electronic transactions ( XXXX ) and an average balance above {$10000.00} until XX/XX/XXXX ( 123 days ). However, the bonus payout on XX/XX/XXXX was only {$400.00} instead of the expected {$600.00}. 

XXXX XXXX investigated the issue of the reduced payout and found out that he himself had received incorrect information from the bank, and that the information that he had provided in turn was incorrect. Apparently, BMO did not start the 120 days clock on the day that the check was deposited but at some later date. I assume when BMO lifted the check hold? This is not even shown on the statement! The calculated average balance was therefore somewhere between $ XXXX {$10000.00} and this only qualified for the {$400.00} bonus ( See Exhibit 1 ). 

XXXX XXXX was very sorry for the incorrect information he had provided, and he and his manager requested that I receive the missing {$200.00} for the full {$600.00} bonus ( Exhibit 4 ). 

Unfortunately, the bank refused to pay the {$200.00} despite the incorrect information that I had received ( Exhibit 5 ).
Consumer complaint received 2024-08-15
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (AZ)

XXXX is not validating specific information submitted by Midland Credit in my dispute with them. Midland keeps refreshing " payment received dates '' the debt is XXXX, or more years old.They allow Midland to reply to disputes with the same language, rather than verifying any of the payment dates they claim to have received.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

My mortgage has been in forbearance for approximately one year in 3-month increments. At the end of my most recent forbearance in XXXX, I requested via the company 's online portal to extend my forbearance again. The automated system informed me that my request was approved, but that I would be sent further information once my application had been processed. During the entirety of my forbearance periods, I was always sent paper mail communications regarding my requests and approvals, however, for my XXXX forbearance request, I was not notified of changes in my allotted forbearance time of one month. Because all of my other requests resulted in 3-month approvals, and I had not opted for paperless communications, I did not receive the information regarding a 1-month forbearance. I was marked late for XXXX and XX/XX/year>2024, however, an automatic payment of {$50.00} was taken in XXXX. For my forbearances, I was on payment plans ranging from XXXX XXXXXXXX per month. If my application was not approved for the forbearance request in XXXX, why was a payment taken in XXXX, and then not in XXXX? Or, if it was approved for XXXX, why was I not notified via mail? When I spoke to a company representative on approximately XX/XX/XXXX, I was told that communication from the company was not sent via mail, but that it was available in the online portal. Again, I did not request paperless communication, so that information should have been sent via mail, so that I would not be penalized in derogatory marks on my credit report. 

I am requesting that the late payment remarks be removed for XXXX and XX/XX/year>2024.
Consumer complaint received 2024-10-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eaton Group Attorneys LLC (TX)

In XXXX of 2023, XXXX XXXX ( represented by Eaton Group ) had a levy placed on my XXXX XXXX bank account for around {$1000.00} due to an unpaid debt. I repaid the debt by XXXX of 2023. XXXX XXXX refused to release the debt, absent a " Release of Levy '' signed by a judge. 

Eaton Group explains that this is not a process that occurs in the state of Louisiana, and sent XXXX XXXX a letter explaining that the debt has been repaid and claiming that they never ordered a levy in the first place. 

I've gone back and forth with both Eaton Group and XXXX XXXX for over a year and a half, and no progress has been made. I run into a wall on either direction. XXXX XXXX claims they need a release signed by a judge, Eaton Group only sends them a letter explaining the debt is repaid. 

At this point, Eaton Group has failed to perform their legal duty of ensuring that the levy is released. They can't be bothered to do more than send a letter. The requirement for ensuring release falls onto their shoulders ( not mine, and not XXXX XXXX ), and the levy remains over a year and a half later.
Consumer complaint received 2023-06-21
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. (NC)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the 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. Here are the ITEMS that need to be removed from my file : XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor:XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-10-14
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Co LLC (MO)

I was called by Debt Co XXXX XXXX at or around the middle of XXXX, XXXX. They told me a debt I owe was turned over to them for collections. I was baffled because I work hard to pay my bills. They told me it was for XXXX XXXX XXXX. This was my old XXXX  company who I knew that I would be having issues with them as they were predatory when I lived at the property that I XXXX from them and I had no doubt that they would be predatory after I had moved out. We had disagreements in what dates I had moved out. However - I had not heard a single thing from them since I moved out. I received no bills or phone calls alerting me to any debt that I owed until the collection agency called me. I explained this to the lady from the collection agency and she told me she would look into this. I also explained how outrageous I felt it was that they didn't even bother contacting or billing me before they handed it over. 

Within XXXX weeks I was sent a statement outlining all of the reasoning behind the alleged debt. This letter asked for my response by XXXX. I wrote a dispute of the amount and I asked that I work with the company itself to resolve this. The letter was written on XX/XX/XXXX and mailed around that time to ensure that they received the disputed amount by their requested date. A week later I was called by XXXX XXXX by the same woman as before and I explained that I have barely had adequate time to respond and that I am doing that in letter form. She wanted to verify that I planned on disputing the amount, which I agreed that I was. 

I was alerted on Sunday to a new collection on my credit and was shocked to see that XXXX XXXX filed this as a collection against me while I was trying to resolve the issue. I have had neither an appropriate amount of time nor adequate conversations or allowance to dispute this collection. They did not ask for proof or anything- they just used a bully tactic to force me to work with them which I tried to do. It is my understanding that the way they have proceeded is inappropriate.
Consumer complaint received 2024-10-05
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

On XXXX XXXX ( XXXX ) called me set up the XXXX for me that mature in 2025. On XXXX I received the letter dated XXXX from HSBC XXXX that HSBC want to close my account on XXXX. It's negligence from the XXXX HSBC XXXX never informed me on XXXX in the call to inform me advance that closing my account and still set up the XXXX for me. 

I requested HSBC to compensate all the premier maintenance fee, bank charges and CD principal and full interest income that would have been earned for the remaining term until the year 2025 mature date due to early closure but HSBC ignoring me on this issue and bullying me even though I sent them so many email and called them many times. I even set up call appointments with them but they keep cancelling. This has caused me distressed. 

XXXX XXXX ( XXXX ) didn't call me and only sent me email on XXXX with the ( subject : We're still investigating your complaint XXXX XXXX ) although the HSBC customer service XXXX told me XXXX will call me on XXXX in call but didn't. 

After that I keep email and told them in call about this but they ignore me until now and no any resolution. 

I have XXXX CD with XXXX and around {$93000.00} and I suffered loss since they closed down my account early for that. FED just reduced 0.5 % interest rate and I can not find the same interest rate 5.1 % anymore that I secured with HSBC XXXX before. Please find the attached XXXX term and condition if the bank close all my CD early. If the HSBC bank want to close my account and CD, HSBC bank need to return me all the CD and principal and full interest income that would have been earned for the remaining term until the year 2025 mature date. As a consumer, I am entitled for the right and not to be treated unfair like this. 

Since my CD only mature in 2025, I would request HSBC to compensate me back the lost interest, bank charge, Premier maintenance fee, distressed and etc. ( $ XXXX )