davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (OR)

On XXXX XXXXXX/XX/XXXX I initiated a {$50000.00} transfer from my XXXX XXXX account XXXX to a newly opened CD at BMO XXXX with account # XXXX. I can only give the last XXXX digits because my account is frozen and I can't get the full account number. I initiated the transfer from the BMO XXXX account. On Weds XX/XX/XXXX I noticed that somehow there were XXXX {$50000.00} transfers, XXXX to the CD # XXXX and XXXX to my BMO XXXX savings account # XXXX. I called BMO XXXX on XX/XX/XXXX and told them that there appeared to be a problem and that I initiated only XXXX {$50000.00} transfer to the CD and NOT to the savings account. The sending bank ALLY declined the second {$50000.00} transfer due to lack of funds. After contacting BMO XXXX about this apparent glitch in their online transfer system I received an e-mail on XXXX XXXXXX/XX/XXXX that my online account was frozen. I immediately called BMO XXXX and they connected me to their Fraud department. They then told me that I needed to send a copy of government ID and a copy of a statement from XXXX bank showing that I had an account there. This was after they had already accepted {$50000.00} into the BMO XXXX CD. I sent that information on XXXX XX/XX/XXXX through the BMO XXXX  secure portal and was told it would take XXXX business days to reactivate the account. It has now been XXXX business days and when I called the Fraud department again ( during business hours ) there was no pickup and they said to leave a message. I did so but it has been XXXX hours since doing so and no one has gotten back to me. I want my account unfrozen as I want to transfer funds into my BMO XXXX savings account. No one will give me any information as to if or when any of my funds will be available and I think I have waited long enough. Thank you for your consideration.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (MS)

My information was breeched a few years back when I went on vacation on the XXXX cruise line. I've been trying ever since to get my credit and other information back on track. This Discover card is not mine and I need them to remove it.
Consumer complaint received 2024-05-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (UT)

I took out a private loan in 2007 for XXXX XXXX I was granted XXXX XXXX for XXXX XXXX XXXX related to this school as the school is a closed school that also misrepresented itself to students. My loan was originally {$4500.00} and is now {$8100.00} despite making thousands of dollars of payments. My accrued interest is {$11000.00}. 

This seems outrageous to me and I would like to file a complaint. 

XXXX XXXX
Consumer complaint received 2022-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Avant Holding Company, Inc. (FL)

On XX/XX/2022, I paid my account in full and cancelled my credit card with Avant. Now I am being told that I am incurring interest on the card that has been cancelled several times. They have attempted fraudulent tactics several times so the account has been cancelled. I have tried to deal with this company but am getting no where with them. I am looking to CFPB for assistance in putting this matter to rest once and for all.
Consumer complaint received 2023-06-16
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. (TX)

This is my 4th 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 an 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 2024-05-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MN)

I have private loans from attending the XXXX XXXX XXXX XXXX from XXXX. These loans were obtained using fraudulent practices. The school inflated after graduation job placement, used high pressure sales tactics, increased job salaries of graduates, and lied about help with job placement. They also lied about accreditation and the content of class offerings. I had to hold off on buying a house and starting a family. Also, I had to file for bankruptcy just so I could keep paying my student loan debt.
Consumer complaint received 2022-12-07
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX. Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX. Balance : - ; XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXXXXXX .... Balance : - ; XXXX XXXX XXXX XXXX .... Balance : {$6400.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX XXXX  XXXX .... Balance : - ; XXXX XXXX XXXXXXXX Balance : {$2900.00} ; XXXX XXXXXXXX .... Balance : {$4400.00} ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX # XXXX Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2022-11-29
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. (NY)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2024-04-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (CA)

I am astonished that any government agency that oversees these credit card companies has allowed them to increase the interest rates to double what they were a few years ago. 
I have excellent credit and have always had a rate of 12-15 % on my cards for years. 
Since I don't carry a balance I haven't paid interest for a long time. I just looked at my Chase Freedom card and realized that my interest rate is up to 25 %. That is outrageous. 
This is approaching usary by any fair standard. I feel sorry for people caught in the credit trap while the agencies and government offices that are supposed to watch dog this type of thing are asleep at the wheel, or worse, being part of the problem by allowing this insanity to prevail in an already wobbly world of finance. 

I want to see some action taken on this, I am sure I am among millions of people that know this is absurd and unfair.
Consumer complaint received 2023-04-28
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

The credit reporting company finished my dispute and then received information AFTER they finished the dispute and they dropped my score. Once the dispute is done it should be done. There is a time limit for a reason. I would like this additional information removed from my account.
Consumer complaint received 2024-04-30
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: CLGF Holdco 1, LLC (MI)

A hard inquiry was added to my credit report on or about XX/XX/2024 from a bank in which I did not apply for. The telephone number attached to that inquiry has been disconnected.
Consumer complaint received 2023-05-26
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: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card Credit Card Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$700.00} {$700.00} {$0.00} Credit Limit : {$500.00} {$500.00} {$500.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Credit card Amount in XXXX  column is credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE
Consumer complaint received 2017-09-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc. (GA)

PROFESSIONAL DEBT MEDIATION SENT DEMAND NOTICE FOR FRAUD ACCOUNT NOT MINES ... 2 DIFFERENT COMPANIES ( XXXX XXXX and Professional Debt Mediation ) ASKING FOR SAME PAYMENT VIOLATES FCBA/ FDCPA AND ACCOUNT OUTDATED 2012, VIA CONSUMER LAW ; GEORGIA STATE STATUE OF LIMITATION OCGA 9-3-23 AND OCGA 9-3-25 HAS EXPIRED TO COLLECT ACCOUNT OVER 7YRS OLD ... NOTE : FORMAL COMPLAINT FILED WITH " BBB ''
Consumer complaint received 2024-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (AZ)

On the XXXX of XXXX, I became aware of a modification in my legal name as reflected on my credit report across all three significant credit bureaus, namely XXXX, XXXX XXXX, and XXXX. I possess no prior familiarity with these collections that have surfaced. The outstanding amount was recorded as {$520.00}. Consequently, I promptly called and composed a letter addressed to both XXXX and the collection agency, seeking clarification and resolution.
Consumer complaint received 2024-05-01
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: TradeStation Group, Inc. (CA)

Opened tradestation brokerage account XXXX months ago with promotion deposit XXXX and more and get XXXX. XXXX was made on XX/XX/2024. After XXXX months, tradestation still didn't credit the XXXX bonus.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MN)

XXXX, Experian, and XXXX have multiple names reporting on my credit report that are inaccurate. I have requested these names be removed and they are still reporting. Also, they have inaccurate addresses in which I provided statements about already.
Consumer complaint received 2022-11-29
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. (TX)

XXXX account XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX account number XXXX XX/XX/XXXX I reached out and informed them about these accounts that are not my accounts and to remove them from my record but they have not removed it. I did not open these accounts and I have no knowledge of them.
Consumer complaint received 2024-04-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (DC)

Greetings CFPB Team, I was closed out from my bank account on XX/XX/XXXX while waiting on a posted Transaction from the Internal revenue and tax revenue, it was sent away from the bank my federal and state refund, and has not been tracked by the IRS they said they sent to bank. My bank took me off there internet, I have deposits coming in my account according to the tax law, every XXXX of the month for 12 months child and additional credit. I noticed after using there bank notary for a XXXX income statement for a utility bill assistance, my account being neglected from fraud division it were transfers into my account over {$600.00} at a time of the bank money to the results of them over drafting into my account that amount recurring that amount the dates started XXXX, XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX my case was forward to you from the FDIC
Consumer complaint received 2024-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (SC)

XXXX is showing my account as " dismissed '' in the comments and " Derogatory '' as a condition. I had disputed the account with XXXX  once, but they listed the account as in dispute and I'm applying for a loan and had to remove the dispute. XXXX is no longer in business or filled bankruptcy and XXXX  didn't update. 

This loan was list in XX/XX/XXXX to be included in a bankruptcy ; the bankruptcy was dismissed XX/XX/XXXX. At the time XXXX owned the mortgage and transferred it to XXXX XXXX who then merged with XXXX. XXXX transferred this account to Select Portfolio Services in XX/XX/XXXX. See notice of transfer from SPS. SPS never had the account listed as dismissed. 

I need the account to remove " dismissed '' from the comments and remover derogatory. This has caused my credit score to drop and I have to pay higher interest. Caused multiple pulls from the mortgage company. And the loan could be denied.
Consumer complaint received 2022-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

We are in need of your help with getting some fraudulent charges reversed from our Capital one Credit Card account!! Is there a way to steal Credit Card info online or from a gas pump terminal to make in-person purchases without the physical credit card? If so, that is exactly what happened to us!! 

On Sunday XX/XX/XXXX, somehow someone was able to gain access to my and my wife 's credit card information to make XXXX physical purchases WITHOUT our actual credit cards in hand totaling $ XXXX in just a few hours. We had our physical credit cards in our possession the entire time these purchases were made. The purchases were made at a XXXX XXXX XXXX, XXXX XXXX, Gas station, Cigarettes shop, XXXX XXXX, XXXX XXXX, and a XXXX XXXX  All of these purchases were made in person by somebody who may have gotten my/our credit card information from a credit card scanner at a gas pump that I visited on Friday, XX/XX/XXXX. I went to a XXXX that I do not normally visit, so that is the only way that I can think that someone was able to get our information to make these purchases in person unless they were able to steal it online? 

I called my CC Capital One XXXX to report the fraud on Sunday as soon as I received a text message from them asking to verify the XXXX XXXX XXXX At that time I looked at the account and saw all of the other fraudulent purchases made on the same day. The charge for XXXX XXXX  appeared as I was on the phone with Capital One! The representative initiated the investigation and a few days later, adjustments for all of the XXXX fraudulent charges were reversed. 

But then on Monday XX/XX/XXXX, something extra freaky happened!! XXXX of the charges ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) totalling about {$600.00} were added back. I noticed this when checking my recent transactions early during the week, and found time to investigate this morning. When I called the main number, I was transferred to XXXX in the fraud department ( XXXX XXXX ) and she basically told me that since we reported that our physical cards were physically with us, there was no other way for someone else to make the purchases, so now we are responsible for at least these XXXX charges! The remaining XXXX charges are still being investigated but since all reported charges were made the same way, I suspect there's a chance that we'll get the same outcome for those as well. 

We do not shop at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, or smoke cigarettes. All but XXXX of the gas station purchases were made in XXXX or XXXX XXXX and we live in XXXX XXXX. The purchases do not reflect our normal spending habits in terms of amount or location. We are excellent CC customers as well and always pay off our entire balance each month. I'm feeling very vulnerable here not knowing exactly how this happened and concerned that it could happen again.
Consumer complaint received 2023-05-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP (OR)

I need help with an electronic bank transfer. I have a tracing number and an electronic withdrawal reference number and an online XXXX  number. 
My bank shows that the transaction was processed, but the intended recipient says they never received the payment. I have contacted US Bank multiple times and they say because its over 90 days old they cant get any more information than they have provided me. 
The money was supposed to go to Eagle XXXX  for the dues that are assessed every year on the time share. Eagle XXXX  is located in XXXX Oregon and they say they never received the money. 
Is there anything I can do about this? Is there anyone that can help me determine where the money actually went?
Consumer complaint received 2017-09-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I own my home in Florida ; recently affected by Hurrucane Irma. I was told by a FEMA rep that mortgage companies were offering a 90 day forbearance on mortgage loans and that it would extend the loan by 3 months with no penalties. However ; Bank of America will gladly give 90 day forbearance but then wants all 3 months of payments paid at once when 90 days are up. How in the world does that help anyone? If we were hit with a natural disaster and do not have the money now ; why would I have 3 months worth at once? Every other institution is allowing an extension on the loan ; added 3 months. Bank of America is not helping victims at all.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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