davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: BMO Bank, N.A. (CA)

BMO Bank from XXXX acquired Bank of the West, with whom we had a perfect track record of we make payments and they sent monthly statements. 

Since the acquisition of Bank of the West, BMO Bank assigned a new loan number XXXX but has failed to send us any monthly statements. SinceXX/XX/2023. We have dutifully made payments at the Branch office, we have records of those payments, but BMO refuses to send us monthly statements and today we received a notice of Breach -- our Breach??? 

I went to the XXXX, CA Branch on XXXX, seeking our overdue monthly statements. They could not provide them, after much consultation with BMO office. I went to the XXXX branch on XX/XX/XXXX. They still could not print or acquire any present or past ( long overdue ) monthly statements. 

I want BMO to immediately cure their BREACH by providing all past statements that reflect all of our payments. We think they are possibly criminals masquerading as bank officials. Loan sharks who want to steal our property or invent reasons to quit servicing our loan and wrongfully demand fees and forfeitures.
Consumer complaint received 2018-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Protection Association, L.P. (TX)

XX/XX/XXXX we notified XXXX XXXX of our intention to disconnect services to our home. 

We received an invoice from for XXXX XXXX {$420.00} I called and spoke to XXXX customer service agent XXXX on XX/XX/XXXX. She noted that she had reviewed my account and would submit an adjustment for {$420.00}. XXXX said my account is closed and I owe no money to XXXX. 

I then received a call from a collection agency saying I owed XXXX XXXX. 

I again called XXXX XXXX customer service at phone number XXXX xtn XXXX and spoke to agent XXXX who reviewed my account and she said see saw my prior call with XXXX. XXXX reviewed my account and again stated she had made a {$420.00} adjustment and a {$5.00} security deposit return to make my balance owed as XXXX. 

I then received a letter from Credit Protection Agency whom I called and told them XXXX started I have a XXXX balance. They told me they showed I had called to dispute the charges and they had contacted XXXX on XX/XX/XXXX who stated I still owe {$420.00}. I gave them names and days of XXXX employees and they said there is no thing they can do as they are only " allowed '' to dispute the account once. They refused to try contacting XXXX to clear up the issue. 

I then called XXXX XXXX to XXXX service and spoke to XXXX who said she sees the notes I offers happened and that she could not help me at this point. I asked to escalate and she transferred me to XXXX Supervisor in Collections with badge number XXXX who said he reviewed my prior calls and also believes I owe no $ to XXXX but said there is nothing he can do. He said he can not call the collection agency once it was transferred to them and it was likely a system error since he sees the notes of my supposed resolution with several customer services agents over almost a year. So XXXX transferred me to XXXX who reviewed my account and validated my prior actions and said she said there is nothing she can do. I asked to speak to an executive and she transferred me to XXXX who stated it appears I was potentially overcharged fees since I last paid on XX/XX/XXXX for services from XX/XX/XXXX to XX/XX/XXXX and services were disconnected on XX/XX/XXXX. XXXX said the debt was sold to the collection agency and there is nothing he can do to help resolve this issue.
Consumer complaint received 2024-05-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUSTMARK CORPORATION (MS)

My checking account is consistently being charged insufficient funds, sometimes more than once. I tried putting some back in savings but couldnt keep enough there being single mom. This is Trustmark bank an I am XXXX XXXX
Consumer complaint received 2023-11-20
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: Earnest Inc. (OH)

Attempted to refinance my daughter 's XXXX school loans ( which I co-signed for ) with Earnest into one loan to make it clearer & easier for her to pay back. Same total amount, similar interest rates, same payment amount. I am on XXXX due to XXXX caused by military service and 100 % of my income comes from the gov't ( VA and XXXX ). They went back a number of years somehow and pulled the lowest credit score they could find of XXXX from XX/XX/2022 ( which happened to be the month following a 2-week long XXXX vacation I took my XXXX kids on and I immediately paid off that following month ) and claimed they were concerned my score was too low and that I wouldn't be able to make payments if I got sick, injured, or became unemployed- which isn't even applicable to me. I believe this was willful discrimination because I am a XXXX veteran on public assistance.
Consumer complaint received 2023-11-18
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

so I placed an order for items from this merchant XXXX XXXX XXXX XXXX XXXX, but I decided to cancel some of the orders. However, the workers said I could not cancel and so i was charged the amount. I found this to be ridiculous because every restaurant in the city or Country was allowing me to cancel my orders. They basically just told me that they can not cancel and that I have to take the orders. I decided to file it with the bank but they did not understand my issue when I filed a dispute with them. I tried to talk to the merchants first but since that failed I filed a dispute with my bank. 

The amount was {$17.00} and my claim number XXXX with number ending in XXXX Full account number is XXXX Date closed - XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-20
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: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account XXXX XXXXXXXX, XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX, XXXX XXXXXXXX Account XXXX XXXXXXXX, XXXX XXXXXXXX Account XXXX XXXXXXXX, XXXX Account XXXX XXXX, XXXXXXXX XXXX XXXX  Account XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX, XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX, XXXX Account XXXX XXXXXXXX, XXXX Account XXXX XXXXXXXX, XXXX Account XXXX XXXXXXXX, XXXX Account XXXX XXXX  XXXX XXXX XXXXXXXX Account XXXX XXXXXXXX, XXXX XXXX Account XXXX XXXXXXXX, has violated my rights.

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
Consumer complaint received 2024-05-03
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was denied a checking account at the XXXX XXXX XXXX XXXX because they said that Bank of America had said I had a charged off account in XX/XX/year>. This was a business account & at the height of the pandemic, I never thought that a business closing due to an act of XXXX would prevent me from getting a checking account at a credit union. I tried to resolve this back in XXXX and It's almost been 5 years and I don't even have that business EIN any longer nor was I applying for a business account. This is a very opaque system and I hope Bank of America can resolve this with me so I can open a checking account at a credit union.
Consumer complaint received 2023-11-17
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. (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 2023-11-17
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. (NY)

I recently initiated the process of purchasing a house, and during the mortgage application, I discovered several inquiries on my credit report that were not made by me. Additionally, there are negative items, collections, and late payments reported that are inaccurate and have resulted in significant damage to my credit report.

However, after conducting thorough inquiries with the respective companies in the credit reports, it has been confirmed that they do not have any records of me in their systems, and still, the credit bureaus refuse to do a proper investigation to correct my credit reports.

I would like to draw your attention to the Fair Credit Reporting Act ( FCRA ), which leads me to acknowledge that these creditors have violated my rights under 15 USC 1681, Section 602, which states I have the right to privacy, and 15 USC 1681, Section 604a, Section 2, which also states a consumer reporting agency can not furnish an account without my written instructions. 

The Fair Credit Reporting Act ( FCRA ) prohibits the reporting of inaccurate information and ensures the accuracy, fairness, and privacy of information in consumer reports. The inclusion of unauthorized inquiries and inaccurate negative information on my credit report is not only a violation of my rights under the FCRA but also constitutes defamation of my character. 

Account XXXX XXXX XXXX  Account # XXXX
Consumer complaint received 2024-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/year>, I saw a fraudulent charge of {$980.00} on my XXXX Truist Bank account for a venue in XXXX XXXX XXXX XXXX from my debit card. I was told that they would investigate. I heard nothing more until I received a letter from Truist on XX/XX/XXXX, informing me that they had investigated and decided that the charge was valid. They said I had to deal with the merchant. I immediately contacted XXXX XXXX and they confirmed that it was fraud. XXXX XXXX says that since the venue had already occurred, they can not refund my money, even though there is no question that it was a fraudulent transaction. I was told by Truist to send an e-mail to XXXX XXXX explaining this contact. I did so on XX/XX/XXXX, thinking that the matter was settled, but, on XX/XX/XXXX, Truist removed the {$980.00} from my checking account and will not return it. I have made XXXX visits to the Truist Branch on XXXX XXXX, XXXX XXXX, XXXX dealing with XXXX XXXX and the branch manager.. They both agree that the charge was fraudulent, but continue to insist that there is nothing more the bank can do. I have made several calls to XXXX XXXX, I have left messages but have found it impossible to speak to a live person. I have left voice messages asking them to send me something ii writing to verify my claim. But I receive NO response. I strongly believe that the money should be returned by Truist. I reported it, as I was supposed to, and they admit the it should not have been taken... but, will do nothing to remedy this. 
The XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX is reporting late payments on my credit bureau when I was under federal bankruptcy protection. Even according to their own attached letter, I was under federal bankruptcy protection, and when I got out of federal that bankruptcy protection on XX/XX/XXXX, I immediately sold the residence which actually was sold prior to XX/XX/XXXX but it takes a little while for the house to close and therefore I should not have a late payment on my account.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I have formally requested the removal of the following information from my report : In XXXX, a XXXX XXXX XXXX  was opened under my name without authorization. I promptly contacted XXXX XXXX, requesting closure of the account due to its non-affiliation with me. Additionally, XXXX, identified as a collection agency for XXXX XXXX, does not represent any legitimate account of mine. Notably, both XXXX and XXXX have already expunged this information from my credit report and restricted XXXX XXXX 's access to my profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX
Consumer complaint received 2023-09-21
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. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy AZ XXXX XXXX XXXX Account Number : XXXX Delete this account. 
3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Consumer complaint received 2023-05-22
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: GOLDMAN SACHS BANK USA (NY)

I was charged about {$5000.00} in " in-app purchases '' on my Apple Card ( credit card ). I was charged about 50 times between early XXXX and mid XXXX. Each transaction was in in the amount of {$99.00} plus tax. The app was XXXX ( a videogame on my son 's XXXX ). The transactions supposedly happened through Apple 's app store. My son has no access to make in-app purchases from the app store without me entering the password ( which didn't happen for any of those {$99.00} transactions ). 

I disputed the charges with Apple, and they decided that I was " ineligible for a refund ''. When I spoke with them on the phone, they said it was ruled that the merchant ( XXXX ) would issue the refund. I did get refunds for about 10 of the 50-some transactions, and the charges for the remaining 40 remain on my statement. I need them to refund the whole amount.
Consumer complaint received 2023-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WA)

I hope this email finds you well. I am writing to you today with a heavy heart and a sense of desperation regarding an incident that has profoundly affected my life. 

I am an XXXX XXXX from XXXX who came to the United States in XX/XX/XXXX, determined to pursue my education and build a better future. Since XX/XX/XXXX, I have been juggling the responsibilities of being a XXXX  and a XXXX XXXX, striving to make ends meet and contribute positively to my community. 

On XX/XX/XXXX, I became a victim of wire transfer fraud, losing {$20000.00} from my Chase Bank account. Considering my background, this is an astronomical sum for me, as my family of XXXXXXXX XXXX on an annual income of just {$5000.00}. The stolen money represents a generational wealth for us, and its loss has devastated me. 

Despite my immediate efforts to report the fraud on XX/XX/XXXX and seek resolution, Chase Bank denied my claim. They suggested that I either approve the transaction or benefit from it, which is untrue. The impact of this incident on my life can not be overstated, and I feel an immense injustice has been done. 

With its {$13.00} XXXX in net profits last quarter, Chase Bank may consider {$20000.00} inconsequential, but for me, it is a life-altering amount. 

Could you please help me with this situation?
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (SC)

Have put in dispute with all XXXX of the credit bureaus about these hard inquiries that I have don't have any knowledge about and the XXXX credit bureaus still are refusing to remove these Hard inquiries off of my credits report even after explaining that I was a victim of fraudulent activity.I submitted a copy of my Identity Theft Report showing the alerts.They still are saying that it is being verified as accurate.How is that so I know nothing about these inquiries and demand they be removed from my credit report under the15Usc-1681 Consumer Reporting Act the information must be proven an accurate.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXXXXXX 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 2023-04-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (SC)

They received my negotiable instrument in XX/XX/2022, and applied it to my account, and following that they closed my account as paid in full and satisfied. 
After several months they reversed the payment but left account closed, then proceeded to harrass me via mail, phone and email for a paid in full account. 
Now they claim they can not accept my negotiable instrument, and failed to return the multiple negotiable instruments I have sent, but are precluded by Public policy HJR-192 and Title 31 of the United States Code Section 5118 ( d ) ( 2 ), and the Fair Debt Practices Act, aka, Consumer Protection Act at 15 USC 1601 and 1693 from demanding payment in any specific coin or currency of the United States . Section ( d ) ( 2 ) of Title 31 USC 1518 states that an obligation governed by gold coin is discharged on payment dollar for dollar, by United States coin or currency that is a legal tender at the time of payment. The narrow view that money is limited to legal tender is rejected under Section 1-201 ( 24 ) of the UCC. It is not limited to United States dollars. See official comments under section 3-104 of the UCC under the definition of money. The Trustees have failed to perform their duty as fiduciary trustee of the account. I have done a Notorial protest against them and the account for non-acceptance and payment under sections 3-501 and 3-505 ( a ) ( b ) of the UCC, which creates the evidence or presumption of a dishonor. They knowingly or unknowingly become the debtor and myself the creditor by operation of commercial and administrative law. Also worthy of note, if they are going to treat the note as a liability instrument, they have to present it to me for payment, make me chargeable under 3-501 of the UCC, which they have also failed to do. To the extent that they are in dishonor for non-acceptance and non payment by Notorial protest on the administrative side, there has been a discharge of the debt in its entirety under the Fair Debt Collection Practices Act within the 30 day time frame as mandated by law. They have been reported the IRS via form 3949 for unreported income, and to the FCC for Securities fraud and violation of my registered security. I sent them a negotiable instrument a Money Order/Registered Security/Negotiable Instrument in the amount to payoff account, to which they failed to apply to my account and have not returned. They have also failed to report the registered security to their financial books. They have been notified. They have continued to ignore my registered securities and refuse to properly credit my account. I have also submitted a Billing Error report to them and they are ignoring the Billing Error Dispute and harassing me via email, postal mail and telephone, that is a direct violation of my consumer rights.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2023-07-13
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. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX