davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BMO Bank, N.A. (MO)

The bank is called BMO - Alto.

I assumed they were directly connected to the massive bank of BMO. However, BMO does not have a single link to BMO-Alto on their website. 

I found their high yield savings account from multiple investing tip websites XXXX XXXX XXXXXXXX ) and opened a XXXX  with BMO-Alto. I deposited {$50000.00} from my BoA savings account in the the XXXX, planned on closing my BoA account, and opened a XXXX  account in which I have multiple other credit cards associated with just to have my direct deposits and credit card payments all in XXXX place. After reading multiple reports online of BMO-Alto losing money/wires/etc or not allowing withdrawals I immediately tried to withdraw the entire {$50000.00} into my new XXXX account. Of course these would seem suspicious/fraudulent so I understand. I received an email stating there was fraud detected and the withdraw was cancelled, additionally a phone call from a XXXX phone number stating to call them immediately at a XXXX #. I tried to log in but they have locked me out of the account. I called the ONLY number on their website which was an XXXX # and after verifying my account she said there was nothing she can do and I needed to call an XXXX #. This is massively concerning and would love the help to get my life savings out of this sketchy online bank. 

I apologize for not doing my research, it appears many others have gone through similar situations. 


I see this XXXX be publshed - DO NOT OPEN ANY ACCOUNTS WITH BMO-ALTO. 

The number I was given from the XXXX number claiming they are BMO-Alto Fraud department is = XXXX
Consumer complaint received 2023-06-21
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: EQUIFAX, INC. (WA)

I had a lease with XXXX XXXX and due to life changing events was looking to break a lease. Unfortunately could not find an acceptable solution with the lender. By some events solution has been found with 3rd party ( a company ), that took a car from my possession and promised to make payments ( by a written agreement/contract ). Unfortunately the company I mentioned before was the fraud company, that has been sued by the government and Im the victim on a case. I tried negotiate credit reporting with a lender but it had no success. An account has been settled/satisfied. I believe its unfair to be responsible on 100 % for what happened due fraudulent component. I would like to remove the XXXX XXXX account from my credit reporting file with all 3 bureaus.
Consumer complaint received 2023-08-01
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. (MD)

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 Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : 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 2024-05-18
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. (TX)

It has been brought to my attention that you are not removing files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not remove the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove the following items as they are fraudulent & were opened without my consent or knowledge In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number : Experian : XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXNK XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an alleged identity theft. I do not consent to XXXX or any means of automated verification. I acknowledge your immediate attention to this matter and response within 4 business days.
Consumer complaint received 2024-08-16
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NC)

I was advised on XX/XX/year> if I paid {$820.00} multiple times via telephone which I have also recorded for proof. However once my debit card information was given and was read the payment confirmation prompt in the amount of XXXX. My bank account was actually charged XXXX which is not the amount I agreed to pay. I requested to speak with a supervisor who said they reviewed the call but continuously lied about not hearing the agent say {$820.00} multiple times via the call. I even confirmed the amount multiple times before agreeing to pay debt to have deleted off credit. The supervisor constantly called me a liar and kept telling me I assumed that the amount I was charged is the amount I was told to pay even though we listened to the call together. I wish to have this removed from my account as they lied and will not delete this off my account.
Consumer complaint received 2023-12-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (SC)

Ok so on XX/XX/ I received my Federal refund check in my PayPal account on this same day I knew I had past due bills that needed to be paid at once so first I contacted the power company by phone talk to a representative ask to make a payment he took my information I gave him my debit card info to make this payment after he gave me a confirmation number over the phone and also through my email that's on file. Ok about I say the middle of XXXX I had received another bill asking for the same amount I just paid but on this bill it stated they received payment of XXXX on the next day which was XXXX XXXX but payment was refund back in my account on XXXX XXXX. But I never received this payment back. So proceed to go check my account but I didn't see where it had been taken out or put back in there was nothing. Let me also say I made another payment using this same payment method to another company which is for a Gas company it processed it also went through and no problems with that one but I went and look at the transaction on my account didn't find any statements or anything about that payment either so I contact PayPal they obviously couldn't tell me anything so I went and done some investigating myself. Now I have been using PayPal for about 3 years now when I made the account they had already given me an account number and routing number. I've never talk to anybody through a bank service ever using this app now when I called my power company back around the end of XXXX the only information they could give me at this time was my payment was made by ACH which it couldn't have because I never gave my routing number or account number to anybody by phone and I didn't manually put any information in on my own I have two people that was in my presence at time to verify this statement. The supervisor of the company went forth to say they had my last 4 digits of my account number and a routing number to the bank this information is for. I didn't contact the bank because PayPal assisted to tell me this bank only issued me the card so there was no need to contact them about the situation. Well I XXXX this routing number and it pulled up the bank. Plz contact me for I have much more on this issue and I need to find out what's going on please
Consumer complaint received 2023-02-24
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: LEXISNEXIS (AL)

I have provided all the information necessary to place a security freeze on my account. They state I did not supply information necessary to confirm my identity. I provided a copy of DL and utility bill.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

On XXXX, I contacted XXXX XXXX and XXXX XXXX to make a payment arrangement for a debt I owed and wanted to repay. The original creditor was XXXX XXXX XXXX XXXX XXXX for a medical debt. I was transferred from the phone number I had for XXXX to XXXX XXXX, so I made payment arrangements with them. The arrangement was made with rep XXXX XXXX on XXXX, for an auto debit of {$25.00} a month to begin repayment of this debt, account number XXXX. Monthly debits began coming out of my checking account for this arrangement. On XX/XX/2024, I noticed that payments had not been deducted from my checking account for this monthly debit. I called XXXX but the XXXX XXXX XXXX phone number was reported by XXXX to no longer be in service. I then looked up XXXX on the internet, which took me to a news article for CFPB which stated that XXXX XXXX XXXX was no longer in business, that they had been sued by CFPB, closed down and fined. 

I would like for the three reporting agencies to remove this item from my credit reports. This is due to the fact that this company is not legitimate anymore and I will need to figure out who now has the debt and start over to get it paid back. Whether or not a new debt collection agency will report this debt to the credit bureaus has yet to be determined. 

Thank you for your assistance with this matter. I really appreciate your assistance.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (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.

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 2023-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (SC)

On XX/XX/XXXX, I received a text message alerting me to a fraudulent charge on my account. I called the bank nd spoke with a customer service representative who cancelled my debit card but said that they could not cancel the charge. The fraudulent charge was XXXX to XXXX- I do not have XXXX. I went to my local branch the next day where they issued me a new debit card and told me that because the charges were " pending '', they couldn't do anything to stop the payment from coming through and that I would have to wait for the charges to clear my account before they could even take a claim for the fraudulent charge. It took until XX/XX/XXXX for the charges to clear my account and then they would issue a " credit '' to my account for the amount in question, during which the bank charged me an overdraft fee - granted, they did credit the {$35.00} back to me, but I shouldn't have been charged any overdraft fees to begin with as I had already verified that the {$490.00} was a fraudulent charge. Today, XX/XX/XXXX, I went back to my local branch and they said that they would file the claim and then proceeded to tell me that I would receive a credit to my account within 5-7 business days for the {$490.00} - so they let someone steal 95 % of my paycheck and allowed my account to go into the negative despite my requests for service AND I still don't have MY money - money that I earned and that they were supposed to keep safe. I am not asking for anything but the money that I earned.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (MI)

My XXXX and XXXX XXXX Reports both say I have over {$40000.00} in student debt because they are duplicated. 
Nel-Net Had my student loans until XXXX took them over. 

Nel-Net is still reporting it on my credit reports as a debt. I called Nel Net and they told me the credit reporting companies are wrong. When I dispute the debts are still doubled. 

My total debt is higher on the credit reports than it should of been and I been denied many loans and mortgages. From this duplication is showing my Debt to Income ratio.

If you look at the report there is 4 student loan debts, there should be only 2. Dept of Ed/Nel-Net is not collecting. 
XXXX is and it is a double debt.
Consumer complaint received 2018-08-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (CA)

I opened an account with Wells Fargo under the agreement there would be a {$200.00} bonus after a period of 3 months. All requirements were met ( deposits/certain amount spent ) however when I just called the bank to question them why the money wasnt deposited they basically told me during that month there was no bonus? Huh? I opened this account because of the bonus! Just blown away by how deceitful and unhonest this new bank is. Not sure yet if Im going to close it. But its not looking to good so far.
Consumer complaint received 2024-04-08
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. (CA)

I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these inquiries be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.
Consumer complaint received 2023-11-07
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: BARCLAYS BANK DELAWARE (FL)

On XX/XX/2023 I received an alert that someone applied for a Barclays credit card at Barclays Bank Delaware in my name without my permission. I received a hard inquiry on my XXXX Credit Report from Barclays. I immediately called Barclays and spoke with a guy in the fraud department who found the application and stated they would submit it as fraud in their system and XXXX should receive something within 30 days for removal of hard inquiry, also the guy stated I would receive a letter in the mail within XXXX business days. I never received the letter after 30 days of waiting, so I called Barclays on XX/XX/XXXX and spoke with XXXX people in the investigations unit, and all of a sudden they have no record of anything, not even the conversations. I called again today XX/XX/XXXX and spoke with the fraud department and the representative as well was unable to find or locate the application or any previous conversation that was had. This is unacceptable because the hard inquiry still shows on my XXXX credit report. 

Barclays Bank Delaware - XXXX
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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 2024-04-08
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. (PA)

I did not authorize these companies to run my credit report, it is affecting my credit score. Can you please remove ASAP. 

XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( Contract hire ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( XXXX XXXX ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Bank XXXX XXXX, XXXX
Consumer complaint received 2023-08-29
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. (PA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX Balance : {$10000.00}.
Consumer complaint received 2024-05-19
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. (GA)

On XX/XX/year>, I made a dispute on Experian for an account called XXXX and Experian did an investigation but failed to correct the error on the account. This account reporting to my consumer report is showing Paid, Closed but is also showing inaccurate information. I have explained during the dispute that this account was not correct and I also went into detail on what wasn't correct. Again, Experian failed to correct this error. This is my last and final option before reporting this company to the Attorney General.
Consumer complaint received 2024-04-09
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: Mobiloans, LLC (WA)

I am disputing the inaccurate credit reporting by Mobiloans LLC on my account # XXXX. On XX/XX/2024, I sent Mobiloans  a detailed letter identifying multiple violations of the Fair Credit Reporting Act ( FCRA ) in how they have reported this account, including : Including ambiguous " Payment after charge-off '' remarks that do not clearly explain my payment obligations, violating FCRA 623 ( a ) ( 5 ) ( C ).

Charging off the account prematurely after only 6 months, despite no delinquencies on my credit report, raising questions about the validity of the default status under FCRA 623 ( a ) ( 5 ) ( A ).

Reporting a balance of {$1800.00} that exceeds my {$1500.00} credit limit, without any explanation if I had agreed to over-limit balances, in violation of FCRA 623 ( a ) ( 1 ) ( A ) accuracy requirements. 
I requested that Mobiloans remove this account from my credit report within 30 days, as the information can not be verified as accurate. Their response on XX/XX/2024 failed to address my specified disputes, simply stating that I provided " inadequate information '' and that my claims were " baseless. '' They refused to remove the account. 

In follow-up correspondence, I provided detailed citations to the specific FCRA provisions being violated. Mobiloans again dismissed my disputes as " frivolous '' without conducting the thorough investigation required by FCRA 623 ( a ) ( 8 ) ( E ) ( i ). 

Mobiloans ' continued refusal to correct blatantly inaccurate credit reporting, and their failure to properly investigate legitimate disputes, represents clear, willful noncompliance with the FCRA. Therefore, I am forced to escalate this matter by filing complaints with the CFPB, FTC, XXXX, and state attorney generals. Mobiloans must be held accountable for these FCRA violations that are damaging my credit profile. I demand that this account be promptly deleted in its entirety.