davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Betterment LLC (SC)

On XX/XX/2023, I contacted Betterment Financial LLC Support to file a dispute with the XXXX XXXX XXXX XXXX XXXX XXXX that Betterment uses for their checking account product. As outlined in the attached document, there were four ( 4 ) unauthorized charges totaling {$590.00} against my checking account via the unauthorized use of my Betterment debit card on XX/XX/2023 and XX/XX/2023 at an unknown XXXX store. My debit card was in my possession and had not been lost or stolen. It's unknown how the unauthorized party obtained the debit card information to include my address. On XX/XX/2023, I received the attached letter from Betterment informing me that the debit card used was complete with the " CVV2 '' code and my address. Betterment concluded that these charges were '' ... authorized transaction ( s ) and benefit was received. '' based on the completeness of the debit card information used for these purchases. The letter further stated that the investigation was closed based on the report from the nbkc bank and no reimbursement of {$590.00} would be forthcoming. I did request copies of the documents that were relied upon to render their decision as offered in the Betterment letter. Upon receipt of a heavily redacted documented ( attached ) there were no details on the document that could assist me in disputing the unauthorized charges with the exception that although the address matched the debit card used, the ZIP code " ... does not match. '' This error was not challenged or discussed by Betterment other than to ask me to confirm the correct ZIP code. After several emails back & forth with Betterment it was apparent that their decision was final. I stated I would be closing my checking account because I couldn't trust the bank decisions on any future disputes. Betterment offered to assist in closing my checking account. I declined their offer and will close after I can redirect any further deposits into the account.
Consumer complaint received 2024-08-06
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: Experian Information Solutions Inc. (DE)

I am writing to formally dispute multiple credit inquiries on my credit report within the past month. According to my records, there have been multiple inquiries made on the following dates : XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/year> XXXXXXXX XXXX XXXX  XXXX Inquiry date XX/XX/year> XXXX XXXX  Inquiry date XX/XX/year> XXXX XXXX XXXX Inquiry date XX/XX/year> XXXX XXXX XXXX Inquiry date XX/XX/year> XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XX/XX/year> XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX  XXXX XXXX XXXX  Inquiry : XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX  Under the Fair Credit Reporting Act ( FCRA ), specifically Section 604 ( 15 U.S.C. 1681b ), a creditor must have a permissible purpose to access a consumer 's credit report. I did not authorize any company to make these inquiries, nor did I apply for credit with these companies on these dates.

I am requesting that you provide a detailed explanation and evidence of my authorization for these inquiries. If you are unable to provide this documentation, I ask that these inquiries be removed from my credit report immediately.

Additionally, I am notifying the credit reporting agencies of this dispute and requesting an investigation into these unauthorized inquiries. 

Thank you for your prompt attention to this matter. I expect a response within 30 days, as required by the FCRA.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted : XXXX, XXXX, and Experian, - XXXX XXXX XXXX XXXX XXXXXXXX & XXXX XXXX XXXX XXXXXXXX attached : copy of ID, Dispute letters, & proof of address
Consumer complaint received 2023-11-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO Bank, N.A. (CA)

Hi I am writing to express my deep frustration and disappointment with the handling of an ongoing issue related to my BMO auto loan account # XXXX. 

Unauthorized transactions were executed from my XXXX XXXXXXXX XXXX account to BMO on the following dates : XX/XX/XXXX ( {$570.00} ), XX/XX/XXXX ( {$860.00} ), XX/XX/XXXX ( {$860.00} ), and XX/XX/XXXX ( {$860.00} ). These transactions, totaling four in number, were directed to an individual named XXXX XXXX. ( Account # XXXX ) at Harris BMO Banks. To my great astonishment, these transactions took place without my knowledge or consent. 

I contacted XXXXXXXX XXXX on XX/XX/XXXX, to file a claim regarding these unauthorized transactions. XXXXXXXX XXXX, recognizing the gravity of the situation, closed my account and subsequently refunded {$1400.00}, covering the transactions on XX/XX/XXXX and XX/XX/XXXX. 

In addition, I reached out to BMO in XX/XX/XXXX to address and rectify this issue. XXXX XXXX, a Resolution team specialist at BMO, has been assisting me with this matter. During our discussions, it came to light that BMO initiated two fund transfers to my closed XXXX account. On XX/XX/XXXX, an amount of {$860.00} ( with trace number ACH : XXXX ), and on XX/XX/XXXX, an amount of {$950.00} ( with trace number ACH : XXXX ). Regrettably, these transactions were reversed and returned to BMO, and I did not receive any funds with these transfers.

I am specifically requesting the reimbursement of the funds related to the unauthorized transactions on XX/XX/XXXX ( {$860.00} ) and XX/XX/XXXX ( {$860.00} ), from BMO.

Despite my efforts to resolve this matter, I have experienced six months of unproductive back-and-forth with XXXX at BMO. This ordeal has not only been time-consuming but has left the issue unresolved. I am deeply frustrated by the lack of progress and the constant redirection between XXXX and BMO.

It has come to my attention that the root cause of this problem may have been an error made by a BMO representative, resulting in the misdirected auto payments. I firmly believe that it is BMO 's responsibility to address and rectify this situation promptly. 

I am left in a position where I do not know whether to reopen my old XXXX account, as their advice to file a claim seems impractical given that my account is now closed. I am seeking your urgent assistance in resolving this matter and preventing any further unauthorized activity on my account.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

In XXXX, while I was away XXXX XXXX XXXX XXXX my father obtained more than XXXX XXXX in fraudulent debt/credit in my name. While I have been able to have most of this fraudulent activity removed, there are some accounts/creditors that remain. I did not receive any benefit from these accounts nor did I know anything about them until XXXX I filed a police report but can not access a copy, and have been unable to file another report due to my traveling schedule. I have submitted several fraud investigations with the credit bureaus but they have not taken the appropriate action.
Consumer complaint received 2024-05-09
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. (CA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-09
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: Experian Information Solutions Inc. (NJ)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2023-09-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I have called and talked to, too many service people so I requested management .... I know have talked to I think three different managers .... I only know their first names they will not give last name... XXXX XXXX XXXX XXXX and XXXX who I had to leave message and still waiting for call back... All and I mean all data from phone conversations should be recorded for them to view, I requested each time for it to be recorded ... ..... I even request for them to read it before we discuss issues... 
None, none of these people have been receptive on resolving any issues... Most claimed they would send my request and I wait weeks to get the same material over and over... 

My request is to have them show me my escrow from my insurance, payments and Taxes ... ..Now for all three years, I have been paying... Each time I get the same material that DOES NOT SHOW MY TOTAL ESCROW... It shows the amount I pay each month in the insurance and nothing on my taxes... I ask for the total not a monthly statement that they keep changing .... 

Now I request all my monthly statement since I have started my payments, I do have most but not all, I want all even the settlement and transfer from my past mortgage holder .... 

Also I want to be fair, but It has't to be on paper and a clear debit to credit numbers ... .. no letter stating that is our record keeping... 

It is obvious I believe SPS is skimming small amounts of money from me and I am sure of others as well ... Just from the past three years I think it is over XXXX just me... I can not prove it I can not get the data or correct numbers to assume either way .... I am also looking in getting paid for going through this, they have .... I think the insurance is being manipulated as well .....
Consumer complaint received 2024-08-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (GA)

I was charged an extra month worth of service. My last payment was paid through auto-pay. Explained to them that I already paid my last billing cycle. They wouldn't let me access my online account and wouldn't send my statements. They would have me on long holds and transfer me to other representatives. I never had any issues with them until I went to XXXX. I was with them for XXXX plus years with not one late payment.
Consumer complaint received 2024-05-09
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: Experian Information Solutions Inc. (TX)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2016-07-29
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Allen & Withrow (AR)

See also Complaint XXXX, against XXXX XXXX XXXX. This complaint is against law firm representing them. 
Currently engaged as Pro Se Defendant in lawsuit w/ XXXX , XXXX XXXX District Court , XXXX , Arkansas division Case No XXXX. See attached items. 
Plaintiff 's counsel is in clear violation of XXXX of Consent Order XXXX-CFPB, which is specifically applicable to Respondent 's attorneys and representatives. 
Bill of Sale presented by Plaintiff, via their counsel, as evidence in this matter contains no reference to the Defendant, any personal information pertaining to the Defendant, nor the alleged account number or particular Debt being collected on, at issue in this action, nor is there " exhibit attached to each bill of sale or other document transferring ownership of the Debt that is represented or warranted by a Seller to be a list all Debts acquired in that Portfolio. '' There is only a separate XXXX column printout page which does not meet the requirements of Order, and has no notation, header, footer or other identifying characteristic back to bill of sale.Although I requested adequate proof of ownership in Discovery via Request for Production of Documents, Plaintiff 's counsel objected to request as irrelevant. 
Also, Plaintiff 's counsel is in violation of XXXX of Consent Order, there is no direct reference in the original Complaint Affidavit nor Trial Affidavits as to the definitions of what or which documents the Affidavits to be " personally acquainted with the facts stated herein. '' Trial is iset for XXXX. Plaintiff 's Counsel 's XXXX responses indicate no further documentation to be provided nor witnesses to be called, depriving me of opportunity to cross-examine affiants, No affidavits filed from alleged original creditor. 
This indicates a continued effort to litigate and collect on a debt which can not be properly proven, and a lack of appropriate documentation which, per Consent Order, must be in hand before filing suit.
Consumer complaint received 2024-08-07
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Berlin-Wheeler, Inc. (Kansas) (GA)

XXXX open a new account when I move to a new address without me knowing it was a new account. When I found out I call and talk to a rep and they stated if I paid it they would remove it from credit and it would take 30 days. This was XXXX  I talk to since it was there mistake. Then when I call back I was told there is nothing they can do even though its there mistake but when I talk to to the debt collector they said they needed to be contacted by XXXX  to get it removed. They falsely got my payment information after making promises they did not keep
Consumer complaint received 2023-09-21
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: Paramount GR Holdings, LLC (MO)

I have filed a complaint about Goodleap before. They are threatening to hurt our credit. We have had to move into XXXX XXXX  due to my XXXX that I was diagnosed with approximately 10 years ago. They put a lien on our house immediately after paying the huge loan to pink energy that was done fraudulently and knowing pink energy was failing. Both of are elderly and I believe we were targeted due to our age, our lack of knowledge, my XXXX and the fact that we owned our home. XXXX XXXX and Goodleap could only win. XXXX XXXX got all their money snd Goodleap will get most of our life savings we out in our home and now we need to sell it and no one will touch it because of the over XXXX loan. They are good at twisting it so it sounds like its a problem with XXXX XXXX when the problem is if their tactics of easily giving these huge loans we cant pay. Two companies win and we lose everything because they lie and cheat. We were targeted for this loan. We ask to be released from this loan due to all this. Goodleap has the attorneys. They have the money. They have everything they need to get the money back from XXXX XXXX. We dont and cant. I know pink energy filed bankruptcy but Goodleap has the wherewithal to fix this. Please help us out of this nightmare we are in.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TN)

XXXX XXXX XXXX XXXX $ was deleted off my credit report due to it being in identity theft this not my account this is a fraudulent account that didnt authorize or didnt approve of
Consumer complaint received 2024-05-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (MD)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-08-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc. (MN)

Hello - I previously attempted to pay off my student loans in full on XXXX. Aidvantage failed to process the payment 4 separate times, eventually requiring me to transfer my funds to another bank in order to finally complete the transaction on XX/XX/year>. During the 1-month timeframe, additional interest accrued on my account which was due to technical issues cause by Aidvantage. My payment on XX/XX/year> was for the amount I attempted to pay on XXXX ( {$61000.00} ), the remaining balance in my account is the aforementioned accrued interest due to Aidvantage 's technical issue. I would like that amount due erased from my account and my loans being designated as officially paid in full. Please contact me at the following there are any additional questions : XXXX ( XXXX ) XXXX Thank you in advance for the help, XXXX
Consumer complaint received 2024-05-09
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. (VA)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2023-08-02
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: Fidelity National Information Services, Inc. (FNIS) (SC)

XXXX XXXX IS REPORTING INACCURATE FALSE INFORMATION ON MY CREDIT PROFILE TO SECONDARY AND THIRD PARTY COMPANIES. PLEASE REMOVE THESE FRAUDULENT ITEMS AS TO THESE ACCOUNTS DO NOT BELONG TO ME.
Consumer complaint received 2023-08-02
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV INC. (CA)

I called to find out where my CA meddle class tax refund card is in XX/XX/XXXX to find out it has been sent in XX/XX/XXXX. They said it was compromised and will send the replacement card. I received the card and found out {$680.00} was fraudulently spent and balance of {$14.00} was left on the card. I called the Money Network who issues the card and they said to file a dispute. I have filed the dispute and they denied the dispute and I was told to appeal the decision. I have filed the appeal and it was denied again. I called and was transferred to escalated team who told me to provide more information and appeal the denial. I asked them what kind of information do they need and they could not provide any answers or request of additional information. What kind of information can I provide when my card was stolen and was used ay XXXX and XXXX XXXX XXXX according to my card statement. Obviously I am not the only one that has been scammed out of refund and card company is not willing to assist me with getting my refund back.