davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BMO Bank, N.A. (CA)

I opened a BMO relationship checking account on XX/XX/XXXX and this is the first time I've dealt with XXXX XXXX service charge policies. 

On XX/XX/XXXX, my BMO statement posted, and my account was hit with a {$25.00} service charge for insufficient minimum daily balance < {$10000.00} ( balance was {$9200.00} ). To rectify this, I called customer service immediately to get the charge removed and immediately transferred in {$800.00} to get my balance above {$10000.00} ( balance was {$10000.00} ) so that I wouldn't be charged on the next statement. 

On XX/XX/XXXX, I was charged again {$25.00} for insufficient daily balance. On XX/XX/XXXX, I called BMO customer service. Apparently, my account didn't meet the minimum daily balance requirements because the funds I transferred took 2 days to hit the account. For 2 days, my account didn't meet the minimum balance requirement of {$10000.00}. That means from notice of service charge, BMO gives me less than 1 business day to correct my insufficient balance. Otherwise, I am hit with another service charge. This is unreasonable as I put forth my best effort to rectify my account balance to avoid the service charge in the first place. 

I spoke with BMO customer service over the phone, over chat, and in person at a bank branch. Every time, I am met with complete indifference to reversing the service charge. They refuse to hear me out as a customer and use their arcane policy to collect unreasonable fees from the backs of their customers. 

If anything comes of this CPFB complaint, I hope at least it gives BMO fair warning that they can not take advantage of their customers. 

Thank you, XXXX
Consumer complaint received 2023-02-12
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2024-04-28
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. (TX)

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 : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX & XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> 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 2023-12-18
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. (LA)

In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX XXXX XXXX XXXX Account Number 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 also states a consumer reporting agency can not furnish a account without written instructions. I DEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREFIT REPORT DAMAGING MY LIFE.
Consumer complaint received 2024-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (DC)

After XXXX, I noticed fraudulent debit charges on my corporate checking account and reported them to Truist and on XX/XX/XXXX I asked that the account be frozen to prevent any other unauthorized charges. After that, Truist allowed an additional 13 debit transactions and on XX/XX/XXXX a wire for {$24000.00}. I was called about the wire and said it was not mine yet Truist still allowed it to process. Truist reimbursed my account for the debits but I have called at least every other day trying to get my {$24000.00} back but kept keep getting the runaround that it is being " investigated. ''
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX  XXXX Account Number : XXXX Account name : XXXX  XXXX Account Number : XXXX Account name : XXXX  XXXX Account Number : XXXX
Consumer complaint received 2023-04-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (TX)

Since I miss a payment Im not able to trade in my car or get a lower payment. I tried to trade the car in numerous time at XXXX XXXX. This car loan has drop my credit tremendously. Please help me!!
Consumer complaint received 2024-03-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC (FL)

There is an account in collections for Springs oaks capital LLC reflecting on my credit report. XX/XX/2021 I do not know who this collection agency is as I have never been in agreement to work with them, Please provide evidence that I have signed any sort of agreement with this company.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

To Whom It May Concern, I am writing to formally dispute inaccuracies in my credit report, as governed by the Fair Credit Reporting Act ( FCRA ), which ensures the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. 

Inaccurate Reporting of Account Dates and Status : The existence of the account in question is accurate ; however, the reporting of dates and status by the collection company is incorrect. Specifically, the account open date and the reported date of lateness ( XXXX ) do not align with the actual timeline of events. This discrepancy misrepresents my financial history. 
Misrepresentation by Collection Agencies : The collection company, XXXX XXXX, and their hired firm, XXXX XXXX XXXX, have inaccurately reported the dates of the account opening, lateness, and the account status. This information is crucial for determining the timeline for the account 's removal from my report. 

I have contacted the original creditor, XXXX, and XXXX XXXX, who confirmed that they do not possess the detailed account information. This lack of availability of accurate data raises concerns about the legitimacy of the reported information. 
Violation of FCRA Standards : Under the FCRA, I have the right to dispute inaccurate information in my credit report, and credit reporting agencies are required to correct or delete inaccurate, incomplete, or unverifiable information. The reported information by XXXX XXXX XXXX does not meet these standards. 

The dispute process with Experian confirmed the existence of the account but did not address the inaccuracies in dates and status. This partial resolution fails to correct the misleading and damaging information impacting my credit score. 

In light of the above, I request an immediate investigation into these inaccuracies and the correction of my credit report in accordance with the FCRA. The continued reporting of false or unverified information by the collection agencies violates my rights and unjustly harms my creditworthiness. 

I appreciate your prompt attention to this matter and look forward to a resolution that reflects the true status of my account.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

I am reaching out to address a critical matter concerning XXXX XXXX XXXX inaccurate reporting on my consumer report, disseminated by Experian, XXXX, and XXXX which I believe constitutes violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2. 
The FCRA clearly states in 15 U.S. Code 1681s2 ( a ) that furnishers of information to consumer reporting agencies have a " duty to provide accurate information. '' The law prohibits the furnishing of any information " if the person knows or has reasonable cause to believe that the information is inaccurate. '' Moreover, the Internal Revenue Service ( IRS ) regulation is explicit, stating, " Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. '' It is crucial to note that the IRS defines a charge-off as gross or ordinary income, emphasizing that " income does not get reported on the consumer report. '' Thus, any reporting of this account as a debt is inaccurate and in violation of IRS regulations. 
I urge the immediate correction of the account status to reflect " closed and paid as agreed. '' Additionally, the reporting of Charge Offs across all three credit reporting agencies by XXXX XXXX is inconsistent with 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), which prohibits the furnishing of inaccurate information. The law specifically states, " 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. '' The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. It has damaged my livelihood. 
In light of the above, I formally request a method and mode of verification for each credit reporting agency to rectify these inaccuracies promptly. 
I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will conduct a thorough investigation to ensure compliance with consumer protection laws. 
Thank you for your time and consideration.
Consumer complaint received 2024-06-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This is the third letter I fax to Capital One, I already called them several times but got very little help from them. 



XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Ref : Capital One Fraud Department Fax : XXXX XXXX XXXX XXXX Case number : XXXX Dear Sir or Madam : I am writing once again to dispute a fraudulent charge on my account in the amount of {$9100.00}. 
I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ). 
I received the first statement from Capital One on XX/XX/XXXX and I immediately called Capital One to report that I had never opened an account with your company and that this was identity theft. 
Although I have received very little information about the account, or the facts, I was informed by Capital One that the account had been opened in XXXX of XXXX using my old billing address, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. 
We moved from this address on XX/XX/XXXX, so the fraudulent account was opened using my old billing address when I was no longer there. 
Also, I find it very weird that if they say that this account was opened on XX/XX/XXXX that I only got their first statement on XX/XX/XXXX. 
Enclosed again are copies of documents, police report and my DL supporting my position. Please investigate this matter and correct the billing error as soon as possible. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NV)

On XX/XX/year> I mailed in a request to all 3 credit reporting agencies ( XXXX, XXXX and Equifax ) for a copy of my consumer report, consumer credit score, and an Opt-Out. I received a report from XXXX and XXXX, and a score from XXXX, but have not received any report from Equifax or any of the other items I had asked for. 
On XX/XX/year> I mailed a dispute to all 3 credit reporting agencies regarding items on my report that I did not recognize and wanted more information on. 
I did not receive a response to this request. 
On XX/XX/year> I mailed another dispute to all 3 credit reporting agencies again requesting an investigation into items on my report that I did not recognize and again did not receive any response whatsoever.

I am not sure what the credit reporting agencies are doing, but they are definitely not responding to any of my concerns. And I think I read somewhere that the credit reporting agencies are supposed to respond to a dispute in 30 days or something like that but I haven't received a response to some of my concerns for almost 4 months.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following hard inquiries have been disputed several times and they are still on my XXXX XXXX and Experian credit report. I have no knowledge of these inquiries or any knowledge of the companies associated with these accounts. I been disputing these since XX/XX/XXXX and I want these 6 hars inquiries removed immediately because this is in violation of the FCRA
Consumer complaint received 2023-12-18
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. (SC)

A XXXX credit card has sbown up on my report with a missed payment from XX/XX/2022. I am not the correct owner and my report shows authorized user. I never approved this. I do not have access to this credit card. You have the wrong person.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (DC)

I tried to log in to make a payment on my XXXX credit card issued by XXXX XXXX XXXX XXXX XXXX XXXX The site was down and I was forced to call XXXX directly because the payment was due on XX/XX/XXXX. The agent I spoke with took my banking details and I asked that she apply a {$150.00} payment to the account. 

On XXXX XXXX XXXX I noticed that the payment had not been debited so I call back and was initially told that the payment was returned by my bank. I explained that was not true as I was looking at the account online and there were no returned checks/ACH payments. After speaking with 5 people for over 1 hour and 45 minutes, XXXXXXXX XXXX  support agent explained that the payment had not been returned, rather the account information provided was wrong. I explained that was not possible as I read the information directly from my bank account page. They listened to the call from the previous week and finally acknowledged that the agent from the prior week had entered the information incorrectly. Unfortunately, XXXX had already reported the delinquency to the credit agencies. 

The last agent provided me with a letter stating that the account was in fact up to date and not delinquent. However, the ripple effect of their error has caused major impact to my credit score ( dropping by XXXX points ), which then caused the XXXX to lower the credit limit on the XXXX credit card by 35 % ( from {$2000.00} to {$1300.00} ) and lowered the credit limit on my other XXXX issued card for XXXX XXXX by 25 % ( from {$1300.00} to {$1000.00} ), which has further impacted my credit score. 

I have filed disputes with the XXXX major credit bureaus, and I have used the letter provided to me by XXXX, acknowledging the error, to request that my credit limits be restored to the same limit provided prior to the XXXX error. 

My issue is the efforts/urgency of XXXX to correct this. All of this was set in motion by XXXX down website and the error in transcribing the banking information, yet, other than their providing me a letter stating the account is not delinquent, there has been zero urgency to correct/restore the credit. 

I am reporting as I saw during my search for a direct contact in XXXX XXXX, that this company has already been sued once for applying late fees when customers were unable to log into the site to pay their bills and was penalized with a hefty fine. There seems to be no change in their practices. They need to be help accountable for their errors and possibly further penalized.
Consumer complaint received 2023-12-18
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: ENCORE CAPITAL GROUP INC. (FL)

XXXX and MIDLAND CREDIT MANAGEMENT has continuedly reported inaccurate information, purchased and sold my personal information violating my privacy under 15 USC 1681 ( a ) ( b ), I did not grant permissible written instruction to Midland credit management to report under 15 USC 1681 ( B ). They continued to report adverse items other than convictions of crime under 15 USC 1681 ( c ). Committed identity theft by using my personal information without my authority under 12 CFR 1022.3. Midland credit management and XXXX also violated compliance procedures under 15 USC 1681e. Reporting information Soley as to transactions or experiences and reporting transactions history is illegal under 15 USC 1681a ( 2 ) exclusions. Under 15 USC 1681n XXXX and Midland credit management willfully failed to comply with my request and is liable for damages to me. 
Midland credit management and XXXX continued to violate me even after my initial complaint and continued notices under 15 USC 1681s-2 ( 1 ) Prohibitation ( a ) Both had knowledge of errors and inaccuracy, yet they still continued to report them claiming that it was verified. Neither XXXX nor Midland Credit Management provided required notice to me of my rights to privacy under 12 CFR 1016.4 and 12 CFR 1016.7.

Furthermore, violating 15 USC 6802 ( a ) ( b ) by providing my personal information to nonaffiliated third parties without providing me with proper required notice. 

XXXX XXXX XXXX XXXX XXXX XXXX use of your report XXXX Credit Bureau XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting XXXX XXXX XXXX your report MIDLAND CREDIT MANAGEMENT XX/XX/2023 XXXX Feedback provided
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I recently pulled my experian reports and noticed you are reporting accounts that are incorrectly reported as late or delinquent for XXXX XXXX acct # XXXX I requested that Experian investigate this late payment which has been placed on my credit report causing my credit report to decrease and since then has ruined my reputation. 
Pursuant to 15 U.S. Code 1666b. ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Pursuant to 15 USC 1692J ( a ) it is unlawful to design, compile and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
Because the account was never 30 days past due, and the fact of the payment history attached showing no missed payment, means the account XXXX XXXX credit card has not been properly verified. Please delete this account XXXX XXXX credit card # XXXX immediately from my credit report, as they are a violation of my rights as a federally protected consumer under title 15 chapter 41 Payments were never late exhibits attached to show payments made and a late payment fee being credited to my account, but was reported to the creditors