davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO Bank, N.A. (AZ)

On XX/XX/2020 I discovered the BMO mobile app had an error message that prevented me from using my debit card. I called BMO customer service and met silence. On the following day, XX/XX/2020, I called again and was directed to the fraud department, which I was told to call by number. I called the number given to me and had to leave a message on their voicemail. The next two days, XX/XX/2020 and XX/XX/2020, were weekend days so the department was closed, leaving me no access to use the money in my account. On Monday XX/XX/2020 I went to the nearby branch to discuss this issue in person. The person who had helped me was informed that my account was suddenly considered high risk which left me no ability to use the money in my account. Angered, I called the fraud department ( who I was told was the only person who had the ability to resolve this issue ) multiple times that day only to be met with yet more silence and even more messages to voicemail. I still have not had any luck speaking with a person about this problem and am very displeased by the treatment I have been given. This was the first time I had any problems with BMO Harris however the fact I was unable to speak with the person who was supposed to be helping me left enough mental and emotional damage to warrant this big of a complaint.
Consumer complaint received 2024-03-16
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. (VA)

I checked my score yesterday and it had gone from score of XXXX in XXXX to score of XXXX as of XX/XX/XXXX. Nothing has changed in my situation for such a dramatic drop. I have a XXXX XXXX XXXX protection service, where i receive alerts related to my credit and I also get credit report and score from Equifax. I did not receive any alerts at any point on any inquiry or change in my credit. I called Equifax and after going through their verification process, they told me that I have the score of XXXX because I have no loans or credit cards reported on my account to determine my creditworthiness. After the phone call when I checked my score again on XXXX XXXX, it was showing " not available '' for my Equifax score. I requested a score and report from XXXX and XXXX and they both show a score of XXXX on their reports. The history is identical to what Equifax has. This morning my score with Equifax was back to score of XXXX. I called Equifax again today, XX/XX/2024, and received similar response that they do not have enough credit history to provide a score. I asked why does it have to show XXXX instead of not available. I further explained that I do not have any debt, any loans or credit cards. Equifax representative on the phone stated that the scores start from XXXX, so score of XXXX means you have no score. I am still puzzled why no credit history gives me a score of XXXX, instead of stating no score available? My latest job requires security clearance and my appointment is pending passing the clearance. Among different things they also look at my credit history and score, I do not want Equifax 's latest change of how they are reporting the score to jeopardize my livelihood. Thank you. I will be happy to provide additional information as needed.
Consumer complaint received 2020-09-30
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 reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft.

I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ).

It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.
Consumer complaint received 2020-09-30
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)

I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft.

I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ).

It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.
Consumer complaint received 2020-09-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

I was notified over a month ago by Loancare ( my mortgage servicer ) regarding an escrow reimbursement check in the amount of {$1500.00} that I never received back in 2017. 

I've spoken to 3 different people at Loancare regarding this issue and I've been told that a new check has been requested, and 2 weeks ago I was promised a call back by a supervisor within 2 days and they'd overnight my reimbursement check. I've never received that call nor the check. 

I called Loancare once more last week and the woman I spoke to acknowledged the requested check, but lead me to understand that dragging their feet on issues of this sort is a common occurrence ( according to her ). I informed her that if I hadn't received the check within a week I'd file a complaint with the appropriate government agency. That's the intent of this communication.
Consumer complaint received 2020-09-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fidelity National Information Services, Inc. (FNIS) (NC)

I am disputing an account balance of {$200.00} with XXXX  XXXX XXXX. 

In XXXX I walked into a XXXX  XXXX XXXX branch and requested all my accounts with XXXX  XXXX XXXX be closed and I was assured by a XXXX XXXX XXXX Account Specialist they were closed, but in XX/XX/XXXX I learned the account has a balanced owed of {$200.00}. 

I disputed the account with both XXXX  XXXX XXXX and ChexSystems because I know I am not responsible for the balance owed since I entered a XXXX  XXXX XXXX branch in XXXX and was assured the account was closed. Also, Ive never been contacted by XXXX  XXXX XXXX or ChexSystems about the account until I called both companies for additional information in XXXX. 

I asked XXXX  XXXX XXXX for information on how the charges originated, but they could not provide me with anything. Several representatives said they didn't know. 

I closed all my accounts with XXXX  XXXX XXXX in XXXX with the help of an Account Specialist therefore I am disputing the {$200.00}.
Consumer complaint received 2020-09-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (FL)

On XX/XX/2020, I received a call from a man who identified himself as a process server from XXXX XXXX XXXX in California ( phone number XXXX ) who informed me that a civil lawsuit has been filed against me in XXXX XXXX, Florida by Citicard Home Depot ( Case # XXXX ) and I will be served today. He recited my social number but did not identify himself. I contacted my credit card company Citibank Home Depot and was informed that my account has a XXXX balance and there is no evidence of any payments due or debt owed to this creditor on my current credit report. I contacted the police and made a police report ( City of XXXX XXXX Police Department # XXXX ) Shortly thereafter my husband received a voicemail message from the caller who indicated that my husband and I were being sued and that implied that they would contact our mortgage. It is important to note that my husband and I have never had a joint credit card with Citi card or Home Depot and, based on my review of XXXX Country Clerk of Court records, there is no evidence that a civil complaint is currently filed me against me and/or my husband by Citicard or any other creditor. I believe that may be an old debt which, if true, would have existed years before I met my husband. I was informed by the police that the police contacted the company and was informed that this is related to a debt collection effort. In a subsequent call, the debt collector called me a " loser '' and a " dead beat '' and made other disparaging comments about me to my spouse.
Consumer complaint received 2020-09-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

ARS an unknown establishment obtained my information illegally ( Violates Hippa Privacy Act ). XXXX   reported ARS account # XXXX - {$150.00} and ARS account # XXXX - {$37.00}. I disputed thus stated items according to FCRA and obtained a letter from XXXX  and was render a verdict of validated debt. XXXX  never produced required evidence from ARS that was in the initial dispute because there is no validity to this debt. Fair Debt Collections Practices Act, 15 USC 1692g Sec 809 ( b ).
Consumer complaint received 2020-09-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners (AZ)

I have received their letters about said allege debt. The forms they sent is nothing more than a bill with no signature. I do not know of said allege debt and it does not belong to me. I Want to see a signature were I signed for this allege debt.
Consumer complaint received 2020-09-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (AZ)

I have received their letters about said allege debt. The forms they sent is nothing more than a bill with no signature. I do not know of said allege debt and it does not belong to me. I Want to see a signature were I signed for this allege debt.
Consumer complaint received 2020-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IN)

XXXX has not erased or closed my bankruptcy.Ommy credit report even though I have offered proof. This is affecting my way of life. Today I was denied a car loan because of their incompetence. I worked hard to build my credit back I need something done ASAP.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I took a look at my credit and noticed a account that does not belong to me I contacted the credit bureau experian and they said they couldnt do anything about the student loan account I have never been a student at a college and have never received a loan from this company I contacted them for the last XXXX months
Consumer complaint received 2020-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO. (GA)

I was shocked when I reviewed my credit report and found late payments on the dates below : JPMCB AUTO, Account : XXXX for XX/XX/2020. I was never 30 days late. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the Auto payment was and error on JPMCB end. I've called JPMCB and was told to call the 3 Credit bureaus about the errors reporting on my file
Consumer complaint received 2021-02-07
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: Arbor Professional Solutions, Inc. (IL)

Ive reached out to XXXX  and us department of education I have no known knowledge of this account it has been deleted off of XXXX and XXXX  when I call XXXX they say theyve verified it I asked for a copy of verification for 3 months now with know response to it Ive filed a police report which was submitted to experian and us department of education please provide a verification documents to me as this is a fraud account
Consumer complaint received 2021-02-07
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. (IL)

Ive reached out to experian and us department of education I have no known knowledge of this account it has been deleted off of XXXX and XXXX when I call experian they say theyve verified it I asked for a copy of verification for 3 months now with know response to it Ive filed a police report which was submitted to experian and us department of education please provide a verification documents to me as this is a fraud account
Consumer complaint received 2020-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

This complaint is with Exquifax. On XX/XX/XXXX I sent a certified letter disputing the multiple hard inquiries on my account. Specifically the 3 inquiries made by XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I am also disputing the 2 hard inquiries made by XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. I believe that Equifax did not do a reasonable and thorough investigation of these items. I purchased a rental house XX/XX/XXXX other than that there does not seem to be any reasonable and legitimate business purpose to take out 5 inquiries. I have 2 major concerns. One is that there is someone who has access to my data. The other is that I will look like a poor credit risk to a lender because there are so many inquiries on my file. ( a total of 7 now )
Consumer complaint received 2020-09-30
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. (OH)

Experian reported I have two open accounts : 1 ) XXXX XXXX XXXX XXXX 2 ) XXXX On XX/XX/20, I contacted both creditors over the phone about these accounts being opened due to identity theft. I did not open these accounts. They closed the accounts.
Consumer complaint received 2024-03-20
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: COMMERCE BANK (TX)

I made a purchase for XXXX  using the Commerce Bank credit card. The total was {$1800.00} or so for a month of lodging in an XXXX in XXXX. 
The experience was just horrible. 
1. Knowing the booking was for a month, the XXXX  should have been stocked accordingly. It was stocked for 2 days stay - toilet paper, paper towel, towels, etc.. Not for 30 days!

2. I had my service animal with me which is by federal law allowed to bring. The host came to me and told me to pay for my service animal another {$500.00} in cash outside the XXXX or else they will make up something to get rid of me. This is extortion!

3. The host entered the apartment without my permission nor my knowlege. My girlfriends private items like underwear were out and about. Thats an invasion of privacy.

4. The host overall was extremely aggressive and rude to us.

Due to these reasons, I have opened a dispute with the credit card company and then did not hear anything!

There is no dispute center, there is no online portal. I called twice and both times had to wait 2 hours on the line until I got someone! 
The reason I called second time was because whoever opened my dispute the first time did not do anything! I had essentially to open the dispute twice. 
Just horrible service. 

Then, 3 months later, I get a notice that I am getting rebilled. Despite all the above, and without any investigation, they just rebilled me and there is no ability to appeal, no one to talk to so I decided not to pay for the bill, as I should! 
They placed a past due mark on my credit report and I can not do anything!! I am being screwed from all directions with this transactions!
Consumer complaint received 2020-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AR Resources, Inc. (VA)

I filed Chapter XXXX Bankruptcy including XXXX XXXX XXXX ( original creditor ) and AR Resources ( current debt collection agency ) and they will not remove the account or mark it as closed on my XXXX Credit Report. Please see attached petition for unsecured creditors included and also the order for discharge.
Consumer complaint received 2024-03-16
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. (NJ)

This is purely identity theft. I do not recognize these accounts. These accounts are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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.

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.
Consumer complaint received 2021-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Credit report is showing 3 30 day late payments on my XXXX  credit card for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Tried to mail the creditor a letter to get it fixed in XX/XX/XXXX unfortunately lost their response letter but no change on my report. I have done multiple disputes with the creditors on their websites and even worked with a credit repair company. No changes on all responses. Stating disputes were verified. Payments were posted to that account those months. Account is on and was on autopay. I attached verified prove of dates and amounts of the payments on my account