davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO Bank, N.A. (OK)

I have a car loan with BMO Bank and on XX/XX/XXXX they pulled an extra {$340.00} car payment out of my bank account and when I called to ask why and get it cancelled they said I had set up recurring payments. I do not remember setting up recurring payments nor did it pop up a confirmation page if I did. On my BMO account page it had said my recurring payments were off, while multiple representatives claimed it was on. I was able to get a refund for the {$340.00} but my bank account had charged {$30.00} for an overdraft fee and I requested that BMO pay it and I was told they could not because it was an external bank. I had cancelled all of my pending recurring payments and turned off recurring payments. On XX/XX/XXXX, I had a pending transaction with my bank account for {$340.00} again and I called BMO again and they said I do not have recurring payments turned on but when I asked why it came out then I was transferred to a supervisor who told me that I did have my recurring payments turned on but when I had cancelled it before, it didnt cancel this one for some reason. I was told that they cancelled this pending transaction but it still pulled it from my bank account and shows in process back from XX/XX/XXXX. When I logged into BMO bank to cancel this transaction like we had done last time, my account was locked. I could not cancel this transaction or do anything with my account. This was without warning. I called and they said it would clear when my latest payment posted but they couldnt cancel it. I called again and got a different representative and was told that they COULD take care of it and when I logged in, I was able to check my account as normal. I was told I would have my money back by today XX/XX/XXXX in my bank account. As of XXXX I still do not have it back in my account. I called them around XXXX on XX/XX/XXXX and I was told that it was still pending so they are not able to refund it and I said its pulled from my bank account so how is it still pending. I was told it just is. I asked to be transferred to a supervisor as I was told I would be getting my money back today and the representative hung up on me. I have rent that is due at the end of day tomorrow that I will not have because they have not pulled my rent money from my account against my will and will not even correct the issue or apologize.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

To whom it may concern, I have been made aware that a credit charge has been placed on my national credit report by XXXX XXXX University and it has been made fraudulently. I have had this discussion with their school officials and Ive told them numerous times I was never enrolled at their institution. It was an enrollment advisor who made this decision on her own fruition after she made notes on the account that she couldnt reach me or and still made a conscious effort to vindictively enroll me without my consent. They kept asking me to write a letter stating this and I told them no because its an admission of enrollment and it wouldve protected and absolved the employee from all responsibilities of what she took upon her to do with out my approval and with any consent, fraudulent on behalf from me. I never confirmed enrollment with any representative at XXXX XXXX University. 

I have spoken to numerous representatives, most of the encounters were unpleasant Kurt and rude, some were deceitful and only a few were understanding and kind .I told them I dont agree with what was done and I think it was a biased and prejudice move and that writing a letter would suggest that I did agree to enrollment, and not one XXXX Representative that I spoke to tried to even correct the matter. This so-called XXXX specialist, documented Im some note taking system that she never spoke with me after our initial conversation of me expressing intention and interests and according to her, as I was quoted by another representative it was like I, ( XXXX XXXX XXXX XXXX dropped of the face of the planet, because she never spoke to me or heard from me again. I am a XXXX individual and Im sure she didnt hear from me again is because Im battling a XXXX XXXX XXXX illness. Knowing all of this brother this XXXX specialist  or her colleagues could help me resolve this issue. All in all, she still thought it was a great idea and continued to go ahead with the fraudulent enrollment illegally and without my consent. Then, XXXX XXXX had the unmitigated gaul and audacity to turn this over to a collection agency, XXXX XXXX XXXX for {$13.00}, XXXX I have contacted Federal Student Aid, XXXX, US Department of Education, Office of Inspector General and the local news outlets to help me get this resolved for good. I am extremely hurt and disappointed by what XXXX XXXX made a conscious decision to do and also in their lack of understanding in attempts towards resolving this as well. Filing these fraud charges against XXXX XXXX is the only way its going to get permanently resolved, removed and dismissed. 

I can be reached at XXXX to further discuss how this is going to be resolved and rectified by XXXX and its representatives. 

Respectfully submitted, XXXX XXXX
Consumer complaint received 2023-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

Please remove the incorrect addresses from my credit file. 
They have never been used by me for XXXX XXXX XXXX  application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.
Consumer complaint received 2023-11-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Moving family including selling existing home and buying new home. XX/XX/XXXX called USAA to get information before opening an account, and explained I would be selling my existing home and buying a new home. USAA said the account would be fully available without limits once opened. After confirmation, we opened account and on XX/XX/XXXX wired assets from home sale into account. On XX/XX/XXXX, we attempted to wire money to purchase new home and was informed there was a 30-day hold on new accounts and they could not wire to title company. After escalation, USAA stated they would waive the policy, took the transfer information and stated the wire would be sent that day or first thing on XX/XX/XXXX. XX/XX/XXXX, day of closing, wire never went through. There was no notification or alert or transaction log. Called USAA and they said the wire was cancelled due to the 30 day hold on account. USAA states they can not wire the money, and according to their deposit agreement, maintains sole discretion of allowing or disallowing any transfers services. Without physical locations, I could not access my assets within my account. They also explained they would not electronically transfer money nor issue a certified cashiers or tellers check. There is no written documentation within USAA website or deposit agreement that describes a 30 day aging period on new accounts for transfer services. They just reserve the right to disallow you from using those services for whatever reason they believe is just.
Consumer complaint received 2023-07-17
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. (DE)

I have mailed multiple letters dating back to XX/XX/2022 to all 3 credit bureaus disputing inaccurate and impermissible accounts being furnished on my consumer report. My disputes are not being properly investigated and after numerous attempts, I have not got any results. These accounts ( XXXX XXXX, XXXX XXXX, XXXX XXXX ) are violating my rights as a consumer according to the FCRA Sections 603 ( 2 ) Exclusions, 604 ( a ) 2 Permissible purposes and 623 Responsibility of furnishers. I havent been provided with any documentation to support that information is accurate or the method that was used to verify ( FCRA Sec 607 ). Theres also multiple accounts ( XXXX, XXXX XXXX ) that violates Section 807 11 of the FDCPA, and FCRA Section 609.
Consumer complaint received 2023-11-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc. (CA)

Ive tried calling UCB ( United Collections Bureau ) at phone number XXXX and XXXX to pay my debt and have not been able to get in contact with anyone. I need to pay this debt which is affecting my credit and cant manage to get a hold of anyone from the company to help me. I have left voicemails and called multiple times just to be on hold for over XXXX minutes and then be sent to voicemail.
Consumer complaint received 2018-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (TN)

This Navy Federal account # XXXX or account # XXXX has been paid-in-full. Navy Federal was contacted directly on XX/XX/XXXX and again on XX/XX/XXXX. It is not " Derogatory '' or in a " Payment Plan ''. It should be listed as " closed ''.
Consumer complaint received 2023-11-29
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (TX)

I am a victim of Identity theft. I have contacted the apartment complex, XXXX XXXX, and they are unable to do anything due to it being in collection and it is under new management. I have a police report. I have provided the report and my driver 's license to the agency as requested. The collection agency is located where I reside ; so I drove to the information that was requested and the collection agency is stating that it will not suffice due to information on the report being redacted. I called the detective and he stated that they are unable to supply an unredacted report due to privacy. I conferenced call the detective and the collection and the agency stated that a verbal authorization will not suffice and they are unable to speak with them. I have emailed them the report that was provided to me and my id and they will not assist. I have explained the problem and XXXX XXXX is not helping and will not accept the information that was provided. The company as a hold is not trained properly and training on fraud is highly recommended. 

Per Canton 's Record Clerk, " Unfortunately, no we can not release a copy of the report to you completely unredacted. The suspect was not charged in this case. Without a subpoena stating otherwise, both the suspect and witness information is redacted to protect their privacy. 

Thank you, XXXX '' I told the agency and they were adamant about not being able to do anything.
Consumer complaint received 2017-03-27
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

I have fallen behind on my installment loan, they extended my loan but since I can not pay the full amount I wanted to cancel my authorized withdrawal of funds XXXX and make another arrangement, they said they would not cancel the authorization and that they were going to take the funds out and not cancel my consent so it would seem that I am ok with the withdrawal. I talked to a supervisor, he belittled me, he raised his voice and said " He was done with me '' and hung up. I called back at lease five times, and all staff that answered said they would not cancel my withdrawal of funds. They said I have not intention of paying the loan, that is not true, they are still calling me to make more arraignments, when I call back the number is not a working number they leave n my voice mail. They are also sending me letters saying they are going to take me car away, even though it is not a title loan. Lastly, they said they would keep calling my references. I think I can say this is not harassment.
Consumer complaint received 2023-11-29
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: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/23, 4 purchases made while playing XXXX XXXX ( a game on XXXX ) each in the amount of {$240.00}. Total amount {$990.00}. Although my credit card was charged 4 times, I did not receive the items purchased. 

I reached out to XXXX who stated they did not have any record of me making the purchases. I then reached out to XXXX ( the credit card processing company which is used for payment processing by XXXX XXXX ) and they did not respond after several attempts. 

I then reached out to Truist bank to dispute the charges on my credit card as the products were not received and the vendor confirmed no purchases were made. Truist declined the dispute. 

I then reached out again to XXXX who refused to refund the monies charged to my account even though the monies were not forwarded to the vendor. 

I reached out to Truist once again to reopen the dispute which was reopened and declined again. 

Today I contacted Truist and was informed that the dispute was declined as a result of the purchases were made through a third party. My purchases were made within the XXXX XXXX app which is directly from the vendor. 

I requested today that the dispute be reopened again by Truist and was denied the opportunity. 

Im at a loss of any next steps to obtain the monies for items purchased that were not received.
Consumer complaint received 2018-05-18
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. (FL)

I have sent multiple requests to Equifax requesting proper validation of a damaging unknown collections account in the amount of {$75.00} listed on my credit report. I have repeatedly told Equifax that this debt is not valid and does not belong to me. Equifax has blatantly ignored these requests and has repeated stated that the debt is valid without providing me any proof. The account on my report keeps coming back as verified but I as the consumer have not been provided with one shred of validation or verification documents which I specifically requested in said correspondence. Under the FCRA, I as the consumer am legally entitled to view the documents used in this investigation. I demand proper validation documents of said accounts on my report, to include but not limited to my PHYSICAL signature on a PHYSICAL contract. If the requested documents can not be provided then under the FCRA I demand said account be removed from my credit reports. Thank you for your advanced cooperation.
Consumer complaint received 2023-11-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

We have taken a home insurance from XXXX XXXX and there was damage to the roof due to hail we have raised a request for a Hail Claim, and XXXX XXXX has issued the claim amount in multiple checks to the mortgage provider Select Portfolio Services, The contractor has completed 90 % of the work and the mortgage provider is not releasing the amount to the contractor.
Consumer complaint received 2023-04-25
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. (LA)

See attached docs detailing the unverified items listed below remain on my credit report in violation of Federal Law. You stated in your responses to my 2 previous dispute letters to you that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. At this point I intend to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.
Consumer complaint received 2023-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is absurd because I have consistently made timely payments on this account and have never been overdue. Please adjust my account to reflect this accurately.
Consumer complaint received 2023-12-11
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: LAKEVIEW LOAN SERVICING, LLC (MO)

On XX/XX/XXXX, during the application process for a HELOC, we learned that a duplicate lien was incorrectly filed when we originally purchased our home in XX/XX/XXXX, which blocks the application for our HELOC. 

Multiple calls and emails since that time have generated zero action. We are unable to actually speak to anyone at the mortgage company ( only the service provider ) and multiple emails and requests for an authorization form required to remove the duplicate lien have been met with wrong directions. Multiple calls to XXXX XXXX Lakeview have resulted in nothing less than rabbit trails and misinformation at a level that is dumbfounding. Added delays due to systems being down have only compounded the situation. 

Almost two weeks ago, someone at XXXX informed me that the file was sent to XXXX, the original mortgage company. I have been trying to get through to them, to also get the same message that their systems are down. Out of desperation this morning, I connected with someone at ( what I thought ) was XXXX, only to discover two transfers later that I was actually talking to someone at XXXX. I was never given the actual number to XXXX. 

Today, I essentially had to start the process from scratch, sending another email with all of the documentation, case numbers, etc. 

I am waiting for an authorization form that I need to sign that will release the duplicate lien. Nothing has been mailed or emailed to me.
Consumer complaint received 2023-07-06
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: Experian Information Solutions Inc. (GA)

Follow-up to XXXX. Experian is stating " The company '' they use to verify the data verified a disconnected phone number and refuse to provide the source of the verification. This is dishonest as i've opted out of XXXX so not disclosing how they received this information is illegal. Public record needs to be removed if they can't verify the information. Actual phone for court is XXXX XXXX XXXX as opposed to the incorrect and disconnected number of XXXX.
Consumer complaint received 2023-11-29
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Experian Information Solutions Inc. (CT)

I was trying to gain access to my Experian credit report and was not able to verify personal questions. They asked about a car lease loan from a bank of which I did not know. Upon gaining access at a different time, I was told the exact make and model of the vehicle. The car is the vehicle my mother " owns ''. I was not able to get any more progress on the situation as they could not verify it as my account. There is also a wrong social security number and many incorrect names on the credit report.
Consumer complaint received 2023-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I have attached the counterfeit check that was deposited into my bank account at Chase Bank and funds taken out. I do not know these individuals who did this. 

Chase Bank has No Provisions in place to protect people 's account. When it was recommended by Chase Bank to turn off Online Banking it was done. On XX/XX/2023 someone deposited into my bank account a check for {$2400.00} and withdrew the money from my account. On XX/XX/2023 someone was trying to take out of my bank account {$480.00}. I received a fraud alert on this amount and was able to reject the transaction. Its strange that I would get an alert the second transaction which was rejected, but not the first time for {$2400.00}, and the check was honored at Chase Bank. 

The outstanding issues are : 1 ) There are no provisions in place to protect the consumers money.. Nothing sent to the consumer via a text message about fraud activity. Should work for checks and debit cards. 
2 ) I was told that with online banking turned off I would not get any Fraud Alerts. On XX/XX/2023 I did receive a fraud alert with online banking turned off. 
3 ) What was stated above I received no alert on the {$1400.00} check, but did receive a fraud alert on the check for {$480.00}. Chase Bank is unable to provide an explanation as to why this happened. 

CHASE BANK SHOULD NOT STATE THAT ONLINE BANKING IS TURNED OFF, AND NO FRAUD ALERTS, WHEN I DID RECEIVE A FRAUD ALERT ON XX/XX/2023. 

A CLAIM NEEDS TO BE FILED FOR THIS OCCURANCE, AS THERE ARE NO PROVISIONS IN PLACE TO PROTECT THE COMSUMERS MONEY.
Consumer complaint received 2024-03-15
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. (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 account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$2800.00}. 
XXXX Collection with account # XXXX opened on XX/XX/XXXX and a balance of {$2100.00}. 
XXXX Collection with account # XXXX opened on XX/XX/XXXX and a balance of {$410.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
DOE XXXX  Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$2500.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$5900.00}. 
XXXX XXXX Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there