davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO Bank, N.A. (CO)

BMO just took over my old Bank of the West checking & savings accts. I have had for 6 years. Of course, we, as long time customers, had no choice in where our accts. were transferred to.

1 ) I am unable to sign up to online banking through the website. I was on hold with BMO for an hour and when I was finally put through to a CSR he was of absolutely no help.

2 ) Today I went back to the phone online app. that I was able to download ( as that was the only other option I had to access my accounts ). I had major problems changing my password and then logging back in. After 1 hour I straightened that out only for my accounts to be " hidden '' on the app. I followed the directions to change preferences to show my accts and it just keeps directing me back to preferences so I still can not see my accounts. Again, I call CSR and again I am given no solution. These BMO csr 's have no idea what they are doing, I can not even understand what they are saying as of course they are foreign so the huge rich banks can save money and sacrifice any sort of professional assistance for their long time customers. I requested a supervisor and the CSR would not put me through. I went online trying to find a corporate contact number, email, anything and there is no support option except for the number I have repeatedly called for assistance, with no help.

I need help getting access to my accounts!
Consumer complaint received 2023-08-15
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. (GA)

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 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 2018-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

1. I dispute the fraudulent charges made in the amount of {$10000.00} ( approximate ).

2. Most of the charges were made overseas ; I have been in the United States during those dates. I am requesting that the charges to be removed from my account.

3. I have provided all of the necessary documents you have requested, such as police reports.

4. I have reported fraud and disputed charges inXX/XX/XXXX.

5. After 5 months later, THREE BILLING CYCLES LATER, On XX/XX/XXXX I received a letter that Chase finished its investigation and put all the charges back on my account.

6. Under Federal Trade Commissions FCBA rule, Credit card companies MUST FINISH investigation within 2 billing cycle. Chase took 5 months!!!
Consumer complaint received 2024-07-15
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: CITIBANK, N.A. (MD)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX ; XXXX XXXX Balance : {$0.00} ; AFFIRM XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$290.00} ; XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I hope this message finds you well. I am writing to bring to your attention a critical issue regarding my credit file. 

Upon reviewing my credit report, I have discovered several items that appear to be fraudulent. These entries are inaccurate and do not reflect any legitimate financial activity on my part. It is evident that my identity has been compromised, leading to these unauthorized entries on my credit file. 

I am deeply concerned about the potential implications of these fraudulent items on my creditworthiness and financial reputation. Therefore, I urgently request your assistance in promptly removing these fraudulent entries from my credit file. 

Additionally, I would appreciate any guidance or support you can offer to help me navigate this challenging situation and protect my financial interests. With this, I am asking for your assistance to remove fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX Balance : {$570.00} ; 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 Balance : {$570.00} ; XXXX XXXX.
Consumer complaint received 2024-01-13
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. (GA)

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. 


Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Reporting on transunion : Address is incorrect Never lived at this address. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  CT XXXX
Consumer complaint received 2023-05-02
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. (IL)

On XX/XX/XXXX of this year i wrote a letter to Transunion to notify the Elaborate mechanism that they are indeed Reporting fraudulent information & A Fraudulent Account : XXXX XXXX # XXXX on to my Consumer Report, Thus Ruining my reputation. I Also Properly Attached a FTC Report along with an Official Police Report Proving the Account to Be Fraudulent. I Also notified them of the Deceptive practices they were Following along with several other Federal Law Codes that they are in Violation of. 

They Responded by Mail on XX/XX/2023 & Notified me that the Fraudulent Account : XXXX XXXX # XXXX Was removed from my Credit Report. 

They Followed up with another Letter 4 Days later on XX/XX/2023 and Notified me that they 'Reinserted " the Exact same Fraudulent account : XXXX XXXX # XXXX on to my Credit Report that had been removed just 4 Days Prior. Completely ILLEGAL, Violating a Plethora of Federal LAW Codes & violating my Trust within the Banking System. Their Willful Disregard for Federal Law is Completely Absurd and Repulsive & I'm not sure why they believe that they're ABOVE the Law. Their Negligence has Caused me Stress, Physical harm, XXXX, Hardship, misfortune, suffering, Trauma and emotional turmoil. 

3 months later & Transunion is Still Denying me of my Consumer Rights & Perpetuating their Wrongdoing & Violations of Federal law. They are Reporting a Late Payment with the Exact same Fraudulent Account : XXXX XXXX # XXXX that was Removed & then Reinserted 4 Days Later, Perpetuating the Damages of my Reputation and my Consumer Profile. 

I'm Demanding the CFPB and Every other Federal Regulation to Recognize this as an attack on the Consumer & to step in and Counter their Fraudulent & Illegal Activity & Compel them to Follow the Law. 

& Unfair Practices. 

I have no other Option but to View this as a Direct Attack on Consumers & I will not allow this Elaborate Mechanism to continue to Report Adverse and Fraudulent Account : XXXX XXXX # XXXX to my Credit Report, Especially after they have already removed it. Indubitably Preposterous, unethical, Deceptive, & Unfair Practices.
Consumer complaint received 2023-05-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION (MT)

I paid my vehicle off early on XX/XX/2023 {$2400.00} in anticipation of XXXX and being XXXX  for a few weeks, never having a single late payment. 

Over the next 3 weeks, I received a lien release and a Thank You letter stating I paid my vehicle off and my online statement was marked closed. Well into XXXX, I contacted Capital One as I noticed my payment had not posted. 

I was assured by Capital One they had received my payment, and it took awhile to process. Around XX/XX/XXXX while in recovery for XXXX I began receiving collection calls. 

I returned their message inquiring what the issue was and continually stone-walled by foreign phone agents reading scripts. On numerous attempts, the agents were unintelligible and seemed to have no knowledge or ability to inquire what the status of my account was other than read a script about a past due payment. 

I informed them I had made a pay-off and I need to know what the status on that was, they had no knowledge or ability to inquire in to it. My account on the portal remained closed I did not trust the competency or authenticity of these phone agents who called me. 

At great effort and diversion, I was finally able to get my issue escalated to an English-speaking representative. They were unaware of why my payment had not posted, at no time was there insufficient funds. My bank said they declined no requests for funds. I submitted payment using the online portal as I do every month, my digital check l is saved on their site. 

During this conversation on XX/XX/XXXX I issued a payment for a second time, they charged me additional interest for XXXX and are claiming a late payment. 

To date, they have not cured the title and requested a lien release from the previous lender, XXXX XXXX.
Consumer complaint received 2020-09-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (FL)

Im just trying to get my money. Ive made many attempts to contact this company with no avail. I need instructions on what I need to do. The introductions on the site says if you still have funds left to attach another debit card & cash out the funds, the funds were previously cashed out but the funds never reached my account. That card was cancelled & I have since replaced that card. I just need to know what I have to do to get my money.
Consumer complaint received 2023-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have complained about this account before and I never received any correspondence. please verify the following account or delete them : XXXX XXXX XXXX XXXX XXXXXXXX According to the provisions of the Fair Credit Reporting Act 609 e2 A1, 621 A1 623 A1, and 611 ( a ) [ 15 USC 1681i ( a ) ], these According to the provisions of 612 [ 15 USC .1681j ], I disputed this account and I never heard back from the XXXX XXXX XXXX This account is not METRO 2 Compliant. There is missing information that makes this account unverifiable. The late date of the activity is missing, there is no payment history, and I have never even done any business contracts with XXXX XXXX XXXX
Consumer complaint received 2024-01-12
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. (TN)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-05
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: EQUIFAX, INC. (FL)

This account is reporting late reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify from themselves, but they failed to neither verify nor update me about these complaints. Please update the late payments from this account. XXXX XXXX XXXXXXXX
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. ()

It is Equifax is duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. Equifax is reporting three in accurate late payments for the XXXX XXXX account, which does not have an account numbers to reference to. These include two 30 day late payments posted in XX/XX/XXXX and XX/XX/XXXX and one 60 day late payment in XX/XX/XXXX. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( I ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in Equifax violating my federally protected consumer rights. To add to this I did NOT give Equifax written instruction/permission to furnish these in accurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ) it is clear that Equifax has violated my federally protected consumer rights under the FCRA, and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2024-05-02
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: EQUIFAX, INC. (GA)

I've been a victim of identity theft due to the Equifax data breach, and I've discovered misleading items linked to my profile. These are not affiliated with me, and I never authorized them. 
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 XXXXXX/XX/year>
Consumer complaint received 2024-05-03
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: EQUIFAX, INC. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (VA)

Servicing for our property was transferred to Fay in XX/XX/XXXX. We submitted our first payment due on XX/XX/XXXX to FayServicing via bank check on XX/XX/XXXX. This check was received and cashed by Fay servicing on XX/XX/XXXX. 

However, Fay misapplied this payment to another account, initiatinga domino effect of late fees and default interestcharges ( see page 2 of CFPB complaintXXXX, where Fay acknowledged as follows : " Fays records reflect that the funds were inadvertently applied towards a loan not associated with the above-referenced property on XX/XX/XXXX. Please note, these funds were recently reversed from the incorrect account and applied to your loan. '' ) As of today, XX/XX/XXXX, Fay Servicing has still not removed the default interestcharges resulting from their misapplication error. We called Fay Servicing on XX/XX/XXXX to resolve this issue with a representative ; however, the representative said she had 1 ) no access to the original CFPB compliant and associated response, 2 ) could not pull this information up in our system, and 3 ) could not waive any charges as a result. She agreed our only remedy at this point may be to pursue legal action. 

I have attached a copy of the bank check that was cashed by Fay on XX/XX/XXXX, which Fay had indicated they never received and then assessed late charge and default interest on our account. It has been 6 months and Fay has yet to remove the default interest charges that should have never been assessed to begin with.
Consumer complaint received 2023-08-15
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. (VA)

My name is XXXX 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 2023-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

The item was returned to the merchant, the merchant provided the confirmation of return/refund processed back to my credit card however the credit card got the refund and still charged me for the item which was returned fully to the merchant. The credit card was informed of the issue multiple times and provided the confirmation from the merchant about them processing a refund back to my card, but they chose to ignore it and for almost a year trying to bully me into paying them for something I returned back to the merchant and provided them with confirmation!