davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bread Financial Holdings, Inc. (OK)

XXXX , XXXX XXXX XXXX , XXXX . Of XXXX XXXX, Oklahoma sent a process server to my home without any previous contact stating they have sued me for a debt collection from the past. I was sure I had paid this debt in the past but apparently not. This took place on XX/XX/2018. Since then I had made payment arrangements with them to pay {$50.00} a month towards a debt totaling {$1100.00}. I have made 7 payments to them so far. I checked my credit and it showed I had been making payments and it was down to {$810.00}. The last payment I made was on XX/XX/2018. A week later I received another notice in the mail stating I had not been making any payments and my balance was {$1100.00} and I needed to make payments or I would be garnished or sued again. I emailed them and told them I had made 7 payments and that my debt was down to {$810.00}. They also hit my credit report for being in collections and not paying which hurt my credit score badly. I have documented proof of my payments and dates and the original debt amount etc. they havent responded to my email in a month.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital one account number XXXX was discharge in my XXXX bankruptcy filing this is the only other capital one card I have so the dates arealso incorrect XXXX no one would give credit I was still in my bankruptcy, alsoI see it has been reported XXXX they should not still be reporting to the credit bureau
Consumer complaint received 2024-01-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation (CO)

I paid XXXX payments of {$340.00} on time over 2 and a half months and my balance went up! also, when I signed up for the loan, the APR was just over 200 % and they raised APR to over 700 %!
Consumer complaint received 2024-01-23
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. (CO)

I called Experian to dispute a fraudulent account on my credit report that I did not apply for. The first representative refused to help so I got transferred to a manager, the manager was also no help and when I requested what documents they had received, the representative hung up on me.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALTERRA GROUP, LLC (TX)

Per Fair Credit Reporting Act FCRA as a FEDERALLY PROTECTED CONSUMER, I am now opting out of ANY AND ALL authorization, I the consumer may have given you written, verbally or unwritten or nonverbal per 15 USC 6802. 




Best, XXXX XXXX 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: Experian Information Solutions Inc. (GA)

Experian has run soft credit pulls on my credit without my permission and have allowed other soft pulls that I did not authorize. 

Experian has XXXX credit matches for credit promotion on my report. 
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 2024-07-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (MA)

I have a question about Fortiva credit card issues by XXXX XXXX XXXX. The FDIC solved my previous problem on getting that account closed. Now I have a question ; I am paying off the balance and of course, I expect to be charged interest. But can they charge me the annual fee ( the amount under the original terms of my account ). They want to charge me {$99.00} dollars broken into monthly payments. Is this legal? Thank you so much! XXXX XXXX
Consumer complaint received 2023-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO Bank, N.A. (CA)

Primary issue : Unable to access my account and funds through any means since XX/XX/XXXX ( mobile app, online, or by phone with the assistance of a banker ). 

XXXX XXXX Opened person relationship banking online with an opening deposit, received bank account and routing number. Used these details to add deposit from my employer. Successfully set up online banking profile but was unable to see any accounts. 
XX/XX/XXXX - Received email confirmation from bank that opening deposit was complete. Opening deposit amount removed from my other bank. 
XX/XX/XXXX to today XXXX XXXX XXXX - Called BMO customer support, including online sales teams, on multiple occasions with no resolution. Agents gave many explanations : - Tell me they are unable to find an account from my account number or social ( only see an online profile ) and can't help me- Tell me there's an issue with linking up new accounts to online access and I have to wait - Transfer me to other departments that are closed - Investigate opening deposit based off the reference number and escalate to a manager, then promise to follow up but never do ( XXXX XXXX XXXX XXXX  ). 
XXXX XXXX  First employer direct deposit sent to account which wasn't returned indicating the money was received by BMO Bank. 
XXXX  - Received debit card in the mail which can't be activated. When I attempt to activate, it simply redirects me to the same customer support phone line. 

I've since cancelled my direct deposits but are continuing to be sent in a loop when calling for help so have been left with no choice but to escalate to CFPB. Although I'm confident in a long term solution to this given government protections and ACH tracking information, I no longer have confidence in BMO as a reliable bank or one that prioritizes their customers. 

IMPORTANT NOTE FOR CFPB : BMO IS UNABLE TO ASSOCIATE ME WITH MY ACCOUNT NUMBER SO ADDITIONAL INFORMATION LIKE THE OPENING DEPOSIT/APPLICATION REFERENCE NUMBER ( DTRPBCG ), ACH TRANSFER TRACKING NUMBERS AND/OR BANKING STATEMENTS OR PAYSTUBS SUPPORTING SAID DEPOSITS MAY BE REQUIRED TO RESOLVE THIS.
Consumer complaint received 2023-04-17
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: PNC Bank N.A. (MI)

My mother died on XX/XX/2023. I have been hassiling with pnc bank to get my share of an inheritance from an ira held by pnc bank. I have filled 4 or 5 different forms they keep coming back with excusses as to why they can not disperse the money. The lasI have recieved lie after lie from a woman named XXXX.
Consumer complaint received 2024-06-12
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. (CA)

The following accounts below are claiming to both own the same debt, with a balance. As you know this is not possible and also a violation of my rights. Because of this, BOTH accounts need to be removed from my credit report immediately. Due to not properly validating the information in which a company has passed to you. Please delete immediately. When the requested accounts below deletions are made and removed. Please mail me an updated copy of my credit report.

ACCOUNT 1 : ( XXXX XXXX ). 
ACCOUNT 2 : ( XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ).
Consumer complaint received 2024-01-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (WA)

NAVIENT LAWSUIT- We believe we are qualified for the Navient Student loan lawsuit, and we never received notification. We looked up the requirements and we have them : -We had loans during and after XXXX  -We were told to put our loans in deferment-and they were -We missed more than 7 consecutive months of payments during this time Please help! We still cant pay these loans due to all the promises that were made to us
Consumer complaint received 2024-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (CA)

A bank teller at our local branch of US Bank, on XX/XX/2024, cashed a cashiers check we presented at the counter. This was part of a completed sales transaction. 

11 days later, we received in the mail from US Bank, the same check, marked FORGERY and saw that the bank had deducted the same amount of the original check from our checking account, without our knowledge or authorization. 

The loss of the money from their teller 's cashing a fraudulent check was not our responsibility and that money was never deposited in our account. Their error in honoring a forged check, was then made up for by taking our money from our own personal account without our knowledge. The effect of this was that our balance then was not sufficient for bills that we had paid electronically via their app. 

Throughout this process, we were not notified by the bank and were unaware of the forgery until on XX/XX/XXXX, when we received the returned check which the bank in their ignorance had accepted and cashed on XX/XX/XXXX. 

We went to see the bank branch manager on XX/XX/XXXX to seek answers and was told to contact their fraud dept. and also file a police report. 

We have done both. The bank is accepting no responsibility so now we are filing this report. 
.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (NJ)

Barclays Old Navy reported a 30 day rating under XX/XX/2023 on my credit report under XXXX XXXX XXXX. This account is also still showing as closed under XXXX when it's still open. Reached out about this but this hasn't been corrected. 

This company had a system issue in regards to processing automatic payments, resulting in my credit card balance becoming past due. Unfortunately, this is the only delinquency reported on my credit report and it has been detrimental to my family 's future XXXX. We are closing on a home soon, and this late payment reported by Barclays is costing us tremendously. I never experienced something like this and it couldn't have happened at the worst time in our lives. I rarely utilize the card and I'm regretting ever using it. 

I'm asking Barclays to please consider removing this late payment from my XXXX XXXX XXXX credit reports. We are already facing high interest rates and high costs of homes. It's unbelievable that a 30 day late payment for a small balance, that I set up an automatic payment for, is affecting us like this. I hold 2 accounts with this company and have always been up on my payments. Regardless of the automatic payment not working out, if they reached out to me about the payment not going through, I would have paid it immediately. 

Again, I'm asking Barclays to please remove the late payment reported under XX/XX/2023 for XXXX and XXXX. And correct the account status from closed to open under XXXX. 

Thank you
Consumer complaint received 2023-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-30
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. (NJ)

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 2023-06-08
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. (FL)

When I reviewed my credit report, I discovered that this account was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account needs to be investigated and deleted for erroneous reporting in my file. 

XXXX XXXX
Consumer complaint received 2023-09-25
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. (AR)

am writing to dispute certain information on my credit report that I believe is inaccurate. I am seeking a thorough investigation to rectify any errors and ensure the accuracy of my credit history. 

I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) to request an investigation into the following information : XXXX XXXX XXXX  - {$1100.00} XXXX XXXX  - {$2000.00} XXXX XXXX- {$2100.00} XXXX XXXX - {$1000.00} Please conduct a prompt investigation, provide me with the results, and make any necessary corrections to my credit report. As per the FCRA, I also request a free copy of my updated credit report after the investigation. 

Thank you for your attention to this matter and your commitment to maintaining accurate credit reporting.
Consumer complaint received 2024-01-21
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: AMERICAN EXPRESS COMPANY (NY)

This is a Hilton Honors Surpass AMEX card. I received a statement with closing date XX/XX/23 in the amount of {$520.00}. I called to explain that was not possible as I do not use this credit card for any reason ( it sits in a locked box in my desk drawer ). It is not attached to any online website to be used purchases either. I asked what the charge is even for and I believe it was some kind of money transfer involving a XXXX account ( I have a XXXX account but it has been dormant for many years and would never be associated with this credit card anyway ). I reported the fraud and i believed it was all taken care of- they mailed me a new card. I received another statement in the mail with closing date XX/XX/23 in the amount of {$220.00}. I called to ask what this charge was for and I was told that it is the remaining balance after the first call I made did not bring my balance to XXXX for some reason - only a part of it was considered fraud? so i still had to pay the remainder. I told them again, how can i have any balance at all when i have never made a transaction with this card - 100 % of the original balance was fraudulent. I explained all of this and I was told it would removed as well - and they would be sending me another new credit card - another, new card, you are reading that right. I received another statement with closing date XX/XX/23 in the amount of {$73.00}. I called, again, and asked what is going on and I was told that the balance now is for fees. I asked why I would be asked to pay fees on charges that were fraudulent. I am currently on the phone with AMEX customer service as I write this. I consider the number of calls I have had to make and the amount of time I have spent trying to correct this to be a form of harassment and I want AMEX to be punished. They can not be allowed to do this to someone and get away with it.
Consumer complaint received 2024-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (OH)

Subject : Formal Notice of Violations and Request for Remediation Dear Amsher Collection Services, I am writing to bring to your immediate attention clear violations of both federal and state laws in the manner Amsher Collection Services has handled my credit information in regards to account number XXXX and account number XXXX It has come to my notice that unauthorized items have been reported to my credit report without my explicit consent, constituting a serious breach of privacy and identity fraud. This action violates FCRA Section 604 ( a ) ( 3 ) ( A ), Ohio Revised Code ( ORC ) Section 1349.19, and ORC Section 1349.191.

Furthermore, the unauthorized reporting is adversely affecting my creditworthiness, and I assert that even in the case of a permissible purpose, my explicit consent is a necessity, as outlined in FCRA Section 604 ( a ) ( 3 ) ( A ) and ORC Section 1349.19.

I am formally demanding the immediate removal of this unauthorized and unverifiable items from my credit report, in clear violation of FCRA Section 611 ( a ) ( 1 ) ( A ), Ohio Revised Code Section 1349.19, and ORC Section 1349.191. I expect this to be done within 30 days from the receipt of this complaint, as stipulated by FCRA Section 623 ( a ) ( 8 ) and Ohio state law. Failure to comply within the specified timeframe will be considered willful noncompliance, subject to legal consequences.

Moreover, I insist on Amsher Collection Services providing a written document that proves I, as the consumer, have granted explicit permission for your agency to access my consumer profile. This failure to obtain consent is a direct violation of FCRA Section 604 ( a ) ( 3 ) ( A ) and ORC Section 1349.19. 

This correspondence serves as a formal notice of violations, and I expect prompt action to remedy these breaches of federal and state laws. Failure to address and rectify these issues will leave me with no choice but to pursue legal action to protect my rights. 

I anticipate your immediate attention to this matter and demand a swift resolution to ensure the accuracy and integrity of my credit report. 

Done in good faith.
Consumer complaint received 2023-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX XXXX XXXX unauthorized on XX/XX/XXXX, XXXX did not respond XXXX & XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX not respond XXXX & XXXX XXXX XXXX XXXX inquiry- XX/XX/XXXX XXXX XXXXdid not respond XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX company unreachable to remove XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX unauthorized/unknown inquiry- did not respond XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX-unauthorized inquiry- did not respond XXXXXXXX XXXX XXXX XXXX, XXXX unauthorized/unknown inquiry-did not remove inquiry XXXX XXXX- XX/XX/XXXX, XXXXunauthorized inquiry- did not remove XXXX XXXX-XXXX XXXXXXXX, XXXX unauthorized/unknown inquiry-did not remove XXXX XXXX XXXX XXXX XXXX XXXXunauthorized/unknown inquiry-did not remove XXXX XXXX XXXXXXXX, XXXX unauthorized inquiry- did not remove XXXX XXXX- XX/XX/XXXX, XXXX unauthorized inquiry- did not remove XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX unauthorized/unknown inquiry- did not remove XXXX XXXX XXXX XXXX XXXX, XXXX unauthorized inquiry-did not remove XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX unauthorized inquiry- did not remove XXXX & XXXX XXXX XXXX XXXX, XXXX unauthorized inquiry-did not remove XXXX & XXXX XXXX XXXX XXXX, XXXXunauthorized inquiry-did not remove