davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2023, I filed a CFPB complaint under complaint Id XXXX demanding ( XXXX ) an immediate update of my mailing address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) that you STOP, CEASE and DESIST from any further direct and indirect communication with me of any kind imaginable, including, but not limited to, phone, text, email, social media, UPS, XXXX, courier, XXXX mail or otherwise ; and ( 3 ) To the extent that the credit card agreement has an Arbitration clause, I hereby elect, choose and demand resolution of any and all claims and counterclaims with forced binding private arbitration with the XXXX XXXX XXXX XXXX XXXX, litigation in any court is prohibited due to my election and demand to Arbitrate. Any improper communications will incur liability pursuant to the FDCPA. Failure to promptly update my address with an interim update with every credit reporting agency shall be deemed to be an additional willful violation of the FCRA for which statutory damages of {$1000.00} shall be owed. Not only has the bank failed to change my address based on my phone call of XX/XX/2023 but the bank has violated the Cease and Desist order. Fix it!!
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Given my consistent track record of meeting payment deadlines for this account without any delays, it's unjustifiable for me to face such issues. I kindly request the prompt updating of my account to accurately reflect this history.
Consumer complaint received 2022-05-20
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. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-05-20
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: ENCORE CAPITAL GROUP INC. (NC)

In accordance with the fair Credit Reporting act XXXX  account # XXXX, has violated my rights. 

I5 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency Can not furnish a account without My written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer Credit plan as late for any purpose.
Consumer complaint received 2018-04-18
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: BMO Bank, N.A. (IL)

BMO Refused to renew my loan because it wasn't my primary house anymore. It use to be my primary house for 8years. The loan contract states that the loan will be automatically renewed if agreed by both, but BMO refused to renew do to it wasn't my primary home. This was learned about after I called them and spoke to them. They told me to continue making payments as normal it shouldn't be a problem. As we continued to make payments, my wife and I kept an eye on our credit. It never shown any negative or late payments. Plus, BMO never sent me a certify letter or never demand the loan to be paid in full. I finally paid the balance off on XX/XX/XXXX after months of requesting a payoff letter. Once I paid the loan off they went back 6months and damaged my credit by stating I was late and it was a charge off. They performed this task in XX/XX/XXXX after I was requesting payoff letters months prior. This shouldn't be a charge off or late payment because they refused to give me documents.BMO then back log late payments because current credit checks never shown this prior. I will attach loan agreement which they should of refinanced per contract which doesn't state anything about 2nd home we don't refinance. Also I will attach payment stubs and a payoff document. Also the credit Bureau failed to there job and agreed with them. They also never sent me Documents that they finished there investigation or explained their reasons for their decision. They have ruin my wife 's credit and mine intentionally which has caused a burden and stress. Dates of payments will be on statements. Contact with BMO on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. They even wanted to see if they can refinance the loan and tried, and never mention to payoff the note it is being called. This is wrong for a bank. They also refused payment at first on XX/XX/XXXX until I threaten legal action. Also if you look at loan documents the maturity date was XX/XX/XXXX and it should of automatically been renewed then and they never wrote it off as a charge off or late payment. never reported it on credit report back then.
Consumer complaint received 2022-12-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XX/XX/2021, I sent a letter to the courthouse asking do the report bankruptcy to the credit bureaus and I got a letter stating : They DO NOT REPORT any bankruptcies to anybody So If this the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate?? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from consumer. 
I have included letter to the court and letter from the court in this package. 
They also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C. 1681 section 602 A. States I have the rights to privacy.

According to : 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.

According to : 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 2023-10-05
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. (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. 

Account Name : XXXX  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 Account Number : XXXX has violated my rights. Or list of inquiries 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 2022-12-16
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: BMO Bank, N.A. (RI)

I opened a 12 month CD with BMO Harris Bank on XX/XX/XXXX. The next day I saw the {$1000.00} leave my XXXX XXXX  account. I called BMO to request the following : 1. Verify how long it takes an ACH transfer to post. Three different reps gave different answers with the longest time being 30 days. 
2. I asked how long the grace period was to add additional funds. The first rep didn't know and one other rep said 30 days. If it takes 30 days to ensure my original transfer safely posted to my acct, why would I send additional funds before confirming this? 
3. I asked to add my son as a beneficiary. The first rep said I was out of footprint. The manager I spoke with last told me they needed to send a form that I had to notarize and send back. But I decided I didn't want to proceed further with the acct after the experience I had with the bank. I was on with the first rep for over a half hour and she was difficult to work with. She dumped me into the sales queue. When the rep picked up, I told him what was going on and he was already gone, disconnected the call. 
4. I called a second time and spent 20 minutes with a rep who seemed to have difficulty connecting me to a manager when I requested to speak with one.

5. I called a third time and after 15 min, finally got a manager on the line. He had trouble answering questions and kept calling over to sales. Then when he came back he said he couldn't authenticate me and I would need to send in a notarized letter and copy of my license. The issue here was the account had not funded yet ( thus, the original call ) and I couldn't verify a transfer posting. 
Before I knew how poorly this would go, I initiated the {$1000.00} ACH transfer on XX/XX/XXXX. I want this transaction closed and funds issued back to me.
Consumer complaint received 2024-04-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (GA)

On a bout the XXXX of XXXX I contacted regions bank to let them know I had a deposit that was coming and if there was anything I could do to keep from accumulating overdraft fees, however no one even tried to help me. My deposit usually takes XXXX days or XXXX but somehow this specific deposit took a week. By the time I had my funds in order I had accumulated so many overdraft fees I couldnt keep up to pay it the company did absolutely nothing to try and help Im fact it seems as if they were trying to take as much money from me as possible with overdraft fees. I finally was paid on the XXXX of XXXX and they took my entire check even though I pleaded that I had bills to pay and that this never usually happens with me. Not only did they not help me but after taking all of my money they removed my overdraft from working so now Im unable to even borrow from my account until my next paycheck. This bank has put me in a bind and caused major pain and suffering. My lights may be cut off and Im on the verge of eviction with not even enough money to eat with.
Consumer complaint received 2022-05-20
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. (NY)

I would like to dispute certain information in my file which I believe is possibly Identitytheft. This account was opened fraudulently therefore I am a victim of identity theft. The account was opened without my knowledge, consent, or authority. I have no idea how the theft tookplace, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. This is a strict violation of FCRA Section 605b.The 3 Credit Bureaus needs to remove the account from my file. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2015-04-29
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (IL)

I used Western Union direct bank for International money transfer for sending money XXXX. 
The money was transaction was done on XXXX XXXX, 2015 and they promised that money would be available on receivers account on XXXX XXXX. when I checked the receivers account on XXXX XXXX the money was not deposited. Then I call immediately to the Western Union XXXX Bank money transaction department. they said that the receivers bank was rejecting the transfer and money would be refunded to my account within XXXX business days. I was waiting for patiently those days and still money was not credited to my account. Every time when I call the representatives, they were saying that they were escalating the issues and problem would be solved within XXXX to XXXX hrs.But the problem would not solved, no one would be contacted and no follow up, waste of time, and money was not credited to my account. 
When I was using the XXXX or XXXX for international money transfer, money was deposited to receivers account on proper time with no issues. Even I discussed with receivers Bank Managers why money was rejecting when western union sending, they said that they are not rejecting it was western union problem.
Consumer complaint received 2015-07-02
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: D. SCOTT CARRUTHERS (CA)

A debt I paid the people are tying to collect they refuse to stop calling me at home and at work and they are going to sue me. I told them to please stop calling me that I ma not paying them and I dispute the debt and XXXX ( collection person ) said we will do whatever means necessary and until we sue you we will not stop. This is their number they called from ( XXXX ) XXXX
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STATE EMPLOYEES CREDIT UNION (NC)

I have sent 2 certified letters to state employees credit union requesting documents on this account which I am aloud to do and legally they have to provide. I have requested proof of all payments up to the said balance, a contract bearing my signature, proof acceleration notice and opportunity to cure and post repossession notices were sent to me. Proof of amount the car was sold for was credited to account. And proof that the gap insurance check was credited to my account. I have given them over 60 days and requested twice. They are also reporting inaccurate information and data on my credit report
Consumer complaint received 2019-01-31
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. (GA)

I have recently been a victim of identity theft ... all documentation has been submitted to all 3 bureaus, Equifax, XXXX, and XXXX. Strangely enough 2 out of 3 of the Credit bureaus have followed the law exactly as stated as it pertains to the consumer, but Equifax seems to follow it's own rules and has been the MOST DIFFICULT to deal with, I have several inquiries that I have stated in my AFFIDAVITS and recent disputes that I DID NOT AUTHORIZE but and EQUIFAX continues to report and they are hurting my SCORE! the 3 inquiries are XXXX XXXX, XXXX  AND XXXX XXXX ... ..I also have an XXXX XXXX showing on my report that I have never done business with but EQUIFAX claimed to have verified but yet the other 2 major credit reporting agencies found them to be FRAUDULENT and removed them!! and they are also reporting my current VEHICLE late with XXXX on 2 consecutive months XXXX and XXXX and this is absolutely NOT FACT!!! the other 2 credit reporting agencies do not report this! EQUIFAX are nothing but CROOKS that kill the average CONSUMER and something has to be done to put this XXXX to a STOP!
Consumer complaint received 2022-12-16
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. (WV)

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 XXXXXXXX XXXX XXXXXXXX : # 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 2022-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I had a hard inquiry placed on my account for a Capital one credit card, on XX/XX/2022 and it has continously lowered my credit score. 
I DID NOT APPLY FOR THIS CARD AT ANY POINT IN TIME I don't even understand how to apply for one, or what it could do to my score. 
I've been working my behind off trying to get my score to where it needs to be, and all this " hard inquiry for a capital one credit card '', has done is makes things worse and very stressful. 
I HAVE NOT AND DO NOT KNOW HOW TO EVEN APPLY FOR A CARD
Consumer complaint received 2024-04-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (UT)

Company : Squareup.com Set up business account XX/XX/XXXX - I am an interior designer with large transactions for furnishings These charge are all for the same client furnishing a new home XX/XX/24 ran charges on clients visa {$15000.00} XX/XX/24 charged XXXX {$10000.00} XX/XX/24 XXXX {$7500.00} all payments accepted - received notice money would not be sent to my bank account until further questions were resolved. I answered all question and it stated the funds would be released. 
so I ran more charges XX/XX/24 XXXX {$9900.00} no funds released so I called XXXX They gave me a case # XXXX said it would be released and I would also receive a call from the account manage team. no funds, more charges were run based on being told this would be resolved in 24 hours XX/XX/24 XXXX {$11000.00} XX/XX/24 visa {$1100.00} XX/XX/24 called again XXXX - given same runaround - funds would be released and I would receive a call in 24 hours. 
XXXX has over {$54000.00} of my business funds they have not released.
Consumer complaint received 2021-11-15
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: MoneyLion Inc. (CA)

I'm a victim of ID Theft. Upon my husband 's death early this year someone got his phone number and used it to access his XXXX XXXX that had all our information. I put a credit freeze on my name. Somehow MoneyLion ignored the credit freeze and opened an account on my name that is NOT mine. Obviously the thieve is not paying the account. now my credit report is being damaged.
Consumer complaint received 2021-11-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (AZ)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on NATIONAL CREDIT SYSTEM ( Original creditor : XXXX XXXX XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.