davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO Bank, N.A. (MI)

On XX/XX/2024 I opened a business checking bank account for my business with BMO Bank. On XX/XX/2024 I deposited {$100.00} into the BMO Bank account by ACH transfer from another bank I have a business checking account with. BMO Bank did receive the deposit transfer the next business day and credited my business account the {$100.00}. On XX/XX/2024 I received an email from BMO Bank that my business account has been temporarily suspended. I called BMO Bank that day and spoke with customer service. The customer service rep could not give me an answer as to why the account was suspended. That rep then transferred me to another agent with BMO. This agent said she was in the fraud department. The rep asked me some questions and then told me that BMO had decided to close my account. I asked the rep why they were closing my account. She told me she could not tell me why, it was just an internal decision. I asked about my funds ( {$100.00} ) that were in the BMO account. She told me that a cashier 's check for the funds would be mailed to me. 
Over one month later I had not received the cashier 's check I called BMO. I was told they would look into it and call me back. After two weeks no one called me back I called again. I was told again someone would look into the missing cashier 's check and call me back. Again, nobody called me back. I called one more time around XXXX and was told they would contact the head of business accounts at BMO and he would call me about the missing cashier 's check. Still, nobody has ever contacted me back from BMO Bank and I have not received the cashier 's check for the funds that were in my account.
Consumer complaint received 2018-09-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (VA)

It was brought to my attention when pulling my 3 credit bureau reports that I had an account with XXXX XXXX. I contacted them on many occasions and ask for proof that this indeed was my account and was told they only had the last 4 digits of my social, my phone number and address provided to them when the account was purchased from the claimed original debtor. I informed them they would need to provide me with legitimate proof that this was me. I began to dispute this account on my credit and it was removed by XXXX  due to no proof of ownership but XXXX and XXXX have chose not to follow suit. I researched and found out that XXXX XXXX has a terrible tract record for their collections tactics. The following is a copy of the letter I sent to the 3 credit bureaus. To date, Midland has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. As of this year Midland has had to pay close to one million dollars in fines and penalties due to their unlawful business procedures which violates consumer rights. Their illegal actions have caused thousands upon thousands of consumers credit files to be tainted with negative remarks which includes myself. On several different occasions I have asked Midland to provide me with documentation that the account is indeed correct and have been told by a supervisor there that it was provided once many years ago ( I never requested it and this account is due to be removed in XX/XX/2019 I believe ) and they would not send it again.
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I had a disputed item on my checking account. It had been in dispute for some time. I thought it had been resolved. I closed my checking acct due to many issues with 5/3 bank. I received a letter dated XX/XX/year> on XXXX stating that they had denied the dispute and had removed the temp credit on my acct. The issue is the they didn't take the amount out my my acct XXXX in which I would have gone in and straighten it out. They took the money out of my daughters acct putting her in over draft. It was like they just picked one of my XXXX XXXX acct and just pulled the money out. 
I would think that this is illegal. The dispute wasn't on that acct. How can they just pick a different acct that isn't mine to pull the disputed amount out of. The dispute is with me and mine acct not my daughter. Can you please help me? 
This bank has done so many things wrong and this is just the straw that has broken this camels back!! I talked to XXXX at the XXXX XXXX, XXXX at the XXXX branch and XXXX at the XXXX branch on the XXXX of XXXX. When I called the XXXXXXXX XXXX on the letter. The dispute number is XXXX she told me she was unable to fix it to call a branch. 
When I called the branches they told me only the XXXXXXXX XXXX dispute number could fix it. So one area pushes off on the other and no one wanted to help me.
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AL)

On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ran a hard Inquiry on my credit without discussion or authorization. I engaged them and they provided an email that says the issue has been resolved, but it is still showing on all my credit reports. I'd like to see the attached document sent to all three credit reporting agencies.
Consumer complaint received 2024-05-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (MO)

On XX/XX/year>, via online chat, I asked a representative named XXXX to deactivate my account because my account was placed on a hold as they were requesting further information regarding my XXXX XXXX XXXX XXXX  Apparently, the reviewer of this information was not satisfied with my answers and needed more information entered. For example, they denied a photo of my Missouri XXXX XXXX state identification card. XXXX stated in the online chat that the company could not deactivate my account because it was still on hold. I no longer wish to use this company, nor provide further information and simply want to completely deactivate my account.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Unlimited Progress Corp (IL)

XXXX XXXX notified me that Creditor Discount and Aud XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX placed XXXX items on my credit report. 

I have only one active credit card and have no credit card debt. 

I have received no correspondence from them and don't know who they are. 

Please have them remove these entries.
Consumer complaint received 2023-06-13
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: EQUIFAX, INC. (CA)

I would like to request that the following inaccurate items be investigated. These items are not correct and are having a negative effect on my score because of their derogatory information. The Fair Credit Reporting Act gives you 30 days to investigate these items. Please do so, and correct all negative information from my credit file. The items that need to be investigated are as follows : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-08
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099-C ( Cancellation of Debt ) from the following charged off account listed below. 

CAP ONE AUTO XXXX This account can not be reported as a charge off on my credit report if the account was sold to another lender. Please send the 1099-C form for my tax filing.
Consumer complaint received 2018-08-24
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (GA)

I have a mortgage that I pay through Mr. Cooper. My complaints are : 1. I rec 'd a letter from XXXX XXXX, XXXX XXXX XXXX, XX/XX/2018 indicating I contact her. I called and asked for her, attempted to contact her but reached a bogus extension and sent a letter XX/XX/18 2. I was NOT given accurate information on how much I owned. It took 3 1/2 weeks for Mr. Cooper to give me information on the re-instatement.  During this time, fees are adding up, while I rec 'd 3 different figures indicating how much I had to pay to get out of foreclosure. 

3. The best way to get proof of what they say in writing is to complain. XXXX XXXX contacted me after complaining on a ConsumerAffairs.com. 

4. My payment was sent via Wire Transfer. I contacted Mr.Cooper that day, but no one could seem to locate the payment, until I called 2 days later. 

5. The Info. that XXXX sent me on how much I owed, ( to be reinstated contained Pending charges ). I paid and asked what did I pay for? 

I can not get straight answers. Am I entitled to information on how much I owe and what I am paying for? These are the reasons why I am contacting you. 

If I have a right to know how much to know what I paid for, I would like to know. I have emails, letters, a witness and phone conversations if you need it.
Consumer complaint received 2024-05-08
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (MI)

The debt collection agency identified themselves as, Harris & Harris Debt Collection called me from an unknown number, I did not answer. The lady leaving the message identified herself as XXXX, she stated " I am an independent courier, who will be delivering me with certified documents which are attached to my name and social security number. I am scheduled to arrive at your current residence or place of employment tomorrow XX/XX/XXXX between the hours of XXXX and XXXX. If I am unable to reach you at these locations, it will be documented as a direct refusal to sign and the proceedings will continue without you. If you have any further questions, concerns or if you would like to reschedule prior to my arrival, please contact filing parties office directly at XXXX, refer to your file number XXXX. You have officially been notified, unless I receive a stop order, I'll be out tomorrow afternoon, so please plan accordingly. Thank you. 

I then called the number, referenced the file number provided, the guy said it is in reference to a payday loan from XXXX XXXX from XXXX. I told him that I have never taken out or applied for a payday loan and even if I had, an XXXX XXXX XXXX debt from XXXX is way past the 7 year statue of limitations for trying to collect on an unpaid debt. I would like to see the original loan application. He then stated, " receive the documents and take it up in court then '', which he then hung up on the phone. 

I previously setup and worked for a debt collection agency in XXXX, so I am familiar with the unethical practices these debt collection agencies use to work their paper. This company was by far, very unprofessional in providing me with the information regarding this bogus loan, or providing me with anything other than a threatening phone call to embarrass me at my home or place of employment by serving me with legal documents that I am being sued. I was taking care of my mother who had XXXX  XXXX XXXX and passed away in XXXX, so I was not even working at that time to get a payday advance loan so I am 100 % certain that this is an unauthorized debt collection.
Consumer complaint received 2024-01-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (IL)

We applied for the Citi Advantage card for a promotional offer to spend $ XXXX in XXXX months to receive XXXX XXXX XXXX XXXX. Both my and my husband 's credit card limit was set well below our other credit cards at {$5000.00}. When making a payment, the balance was only settled by 7-10 business days vs. posting next day. We, therefore, could not utilize the card for two to three weeks due to the lengthy settlement period. 

I work within banking and this is clearly a disparate impact issue as the bank arbitrarily sets lower card limits ( all of our other card programs have limits above $ XXXX ) that are quickly maxed out and has settlement terms on posted payments that are 5-7 business days longer than any other card company. 

Ultimately, we spent < {$400.00} less during the ninety days and did not receive the XXXX XXXX XXXX. Also, confusing was that they deducted the ~ {$590.00} membership fee from the total spend.
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

I have close to XXXX XXXX which was my available balance on XXXX XXXX. On that day I made a payment online for the amount of {$1500.00} to my landlord which reduce my available balance to {$250.00}. On monday XX/XX/2024, XXXX XXXX  creditcard payment were autodata which reduce my balance to {$25.00}. I made an emergency cash withdrawal on XXXX XXXX XXXX for {$1000.00} which put my balance for neg - {$970.00}. The next day I made a cash deposit of {$1700.00} XXXX into my account. Then on Wed XXXX XXXX they sent me notice that they charged me an overdraft fee of {$35.00} for the {$1500.00} I made to my landlord. Not only that they charged me {$35.00} for the neg balance withdrawal and additional over draft fee of {$35.00} for each of the XXXX XXXX transaction that went through. I called to complained and they agree to take the {$35.00} charged off The matter that get on my nerve is this is a continuous process I have to go through with Wellsfargo. They kept finding loopholes to charge me money and I have to keep calling repeatedly to fight them and get my money back.
Consumer complaint received 2024-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (OH)

I want to officially write a complaint against this company about the alleged debt as I believe they have violated the FDCPA. I never made a transaction with this company and I don't know about this debt that they are tryng to collect from me. I have previously requested for a debt validation documents but I have yet to recieve a proper response from them so I want to take this to your attention and please investigate because I honestly unaware of such debts. This company have different account numbers listed on my report and they are the following : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-27
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: SYNCHRONY FINANCIAL (CA)

This companies listed accessed my credit information. 
I have never applied anything from this companies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SYNCBCHEVRON XXXX XXXX
Consumer complaint received 2024-01-22
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: EQUIFAX, INC. (NC)

I was a victim of identity theft. The person was caught and idicted ; however, I need these inquiried removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : 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 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 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 2024-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I want to officially write a complaint against this company about the alleged debt as I believe they have violated the FDCPA. I never made a transaction with this company and I don't know about this debt that they are tryng to collect from me. I have previously requested for a debt validation documents but I have yet to recieve a proper response from them so I want to take this to your attention and please investigate because I honestly unaware of such debts. The account number listed on my report is the following :
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I've been educating and working on improving my credit scores in line with bank requirements for my new LLC 's credit lines. After a deeper review with TransUnion, I've encountered XXXX unauthorized and/or fraudulent hard inquiries. 

They are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-11
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. (FL)

They reporting an account from XXXX and associates which is against the law. They do not have permissible purpose nor do they a court order to be reporting anything to my report. I never done business with them nor do they have any sign applications from me. This is a form of identity theft on their behalf.
Consumer complaint received 2018-08-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC (GA)

I purchased a home in XX/XX/XXXX which was appraised at $ XXXX. 

In XX/XX/XXXX, I was aggressively pressured into a refinance by my lender, Nationstar/Mr. Cooper. At the time of the refinance the loan was at approximately 81 % LTV, and I disputed the inclusion of PMI. Before signing off on the refinance, I was verbally assured by a supervisor in the PMI department, XXXX XXXX, that after making 2-3 payments on the refinanced loan, it would be below the 80 % threshold and I could call in to have the PMI removed. 

I made the 2-3 payments in early XX/XX/XXXXXX/XX/XXXXand called Nationstar/Mr. Cooper to have the PMI removed. Because the property is now occupied as a tenant and the refinance was classified as a " tenant owned '' property, I was then informed that LTV needed to be at 65 %. No one had informed me of this prior to the refinance. XXXX XXXX claimed it was a new criteria. 

Fine. I have continued paying PMI for nearly two years. I called in a few weeks ago and paid to have an appraisal done. The appraisal came back at $ XXXX ( which I feel is low ). Regardless, the loan balance is $ XXXX, putting me at 62 % LTV.

Nationstar/Mr. Cooper STILL refuses to remove the PMI " Because the loan is less than 2 years old. '' The loan is not less than 2 years old. It is 10 years old.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

CFPB has had a data breach and our data was affected because of this. The incident is a FCRA violation. The negative items I have on my report have been updated due to the CFPB breach and that is in violation of code 1681I. I would like all negative remarks removed from my account based on this breach and violation. My personal information has been compromised and I didnt give permission for this and the company is in violation. Please remove all negative remarks from my account including late payments, missed payments, or negative debt.
Consumer complaint received 2024-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AR)

On XXXX I communicated with with a request to LVNV Funding provide documentation containing my signature obligating me to alleged debt they claim I owe. I XXXX XXXX and XXXX XXXX are not the same person or entity therefore LVNV Funding has violated Arkansas Code 4-59-101 ( A ) ( 2 ) attempting to collecting a debt without my having my signature. In addition LVNV Funding has violated 1592 USC ( e ) ( 2 ) a by failing to mark the 2 of the alleged debts as disputed after reviewing my XXXX credit report. Due to these violations and failure to honor my request LVNV Funding must be held accountable and collection efforts must cease, and the accounts should be removed from my consumer reports or I will proceed with litigation in XXXX XXXX XXXX XXXX XXXX for damages.