davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO Bank, N.A. (AZ)

On XX/XX/17 I found out my BMO Harris  checking had been charged double for what was a scam on my debit card. I purchased a XXXX for a spa in XXXX after it was secured paid for and booked an appointment the location changed to XXXX XXXX. The XXXX then showed the XXXX location no longer taking appointments. I explained to the merchant it was misleading she told me Id be refunded for trying twice {$55.00}. She then never issued a credit and proceeded to charge me twice on the XXXX and the XXXX. BMo did nothing for me to prevent the charge from going thru even after thoroughly explaining the scam or error. I will have to dispute this {$110.00} now and may not receive the money back. Merchant is no longer available for me to talk to. BMO closed at noon and pushed me off the phone no solution given just let it charge me.
Consumer complaint received 2021-12-18
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: Experian Information Solutions Inc. (TX)

I have asked Experian and have mailed my personal information in regards to my information. My name is incorrect. Has several different names on my credit report. I have called and mailed items and still it is not corrected.
Consumer complaint received 2021-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (MA)

Hi, On XX/XX/2021 we opened an Interest Checking account with Citibank and deposit {$53000.00} to the account expecting we would receive {$700.00}. As of today, after the account was opened for more 6 months, we haven't received the promised {$700.00} yet. We called the company 4 times and were on hold for no less than 15 minutes each time but we still have not received a reasonable answer. On our first call, we received the confirmation that the amount would be credited to the account on XX/XX/2021. 
On the 2nd call, XX/XX/2021, the customer service representative promised the issue would be resolved within 5 business days. We received a letter saying the case was under review as the result. 
On the XXXX XXXX, the representative let the call go in silence for a long time, so we had to hang up without the answer. We received a letter informing us that the time frame for the promotion was from XX/XX/2021 to XX/XX/2021 and the account wasn't opened during the period. The fact is the account was opened on XX/XX/2021 and the {$53000.00} deposit was on the account on XX/XX/2021. 
On the XXXX call, XX/XX/2021, the representative XXXX told us that the promotion condition was opening a checking and a saving account at the same time which is not mentioned in the promotion post. 
Best regards,
Consumer complaint received 2021-12-18
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 — Their investigation did not fix an error on your report
Company: Tromberg, Morris & Parnters, PLLC (NY)

This account was settled in full on XX/XX/2021 and I received my discontinuance letter on XX/XX/2021 via email. I have reached out to both the law office and the credit unions to have this account removed from my credit report. They instead reported the account minus the amount I paid but in the letter it clearly states that they can not collect any further. This law office removed my last account when we went to court and I want the same thing done here.
Consumer complaint received 2021-12-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

This account was settled in full on XX/XX/2021 and I received my discontinuance letter on XX/XX/2021 via email. I have reached out to both the law office and the credit unions to have this account removed from my credit report. They instead reported the account minus the amount I paid but in the letter it clearly states that they can not collect any further. This law office removed my last account when we went to court and I want the same thing done here.
Consumer complaint received 2022-02-12
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. (IL)

I am filing this complaint because I have sent multiple rounds of letters to credit bureaus to reinvestigaste 3 accounts that are reporting false information and it is costing me thousands of dollars a year. They are violating my rights and they have the nerve to not even respond to my letters! These inaccuracies are highly injurious to my credit rating. 

First account is XXXX XXXX which is a closed account that was paid in full of {$100.00}. 

XXXX XXXX XXXX acct # XXXX balance of {$620.00} XXXX XXXX XXXX  acct # XXXX Balance of {$420.00} XXXX XXXX acct # XXXX Closed paid acct Furthermore, in accordance with the fair act credit reporting act, public law 91-506, Title VI, section 611, subsection A-D, please provide me the names and business addresses of each individual with whom you verified the above, so that I may follow up. IT IS ILLEGAL TO REPORT FALSE INFORMATION! 

They are all reporting different information all across the board! I have asked for the accounts to be deleted immediately and please forward me send me an updated credit report after you have completed your investigation and corrections!
Consumer complaint received 2022-02-13
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. (PA)

I have attempted to reach out to Equifax to dispute inaccurate information on my credit report that doesn't belong to me. I have provided Equifax with a copy of my social security card and drivers license to prove my identity. However, although I have provided my actual social security number and license, I am being informed this account belong to me although I have never resided in Maryland.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MS)

inncorrect information reporting on my credit report, In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
XXXX Account # XXXX has violated my rights. 
15 USC 1681 section 602 A 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 accounts without my written instructions. 

keesler fcu 2017
Consumer complaint received 2021-12-18
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I got an text from a card that is getting ship to my address. A card I never heard of call Neiman Marcus. Also I have another card that I didnt applied to call XXXX XXXX XXXX XXXX which I call XXXX itself. Account are close and waiting for the credit Bureau to remove them from my credit report.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I checked my credit report in XX/XX/2023 and found that I had fraudulent accounts reporting on my credit report with all three bureaus XXXX XXXX and Experian I have sent in all necessary documents to prove my identity as well as an updated identity theft report and still nothing was done to help I did request that the fraudulent information reporting on my credit file be blocked and deleted I also called to rectify the situation and nothing was done. I mailed all the bureaus the information needed twice once through priority mail and just reciently through certified mail and nothing was done. I stated every account that should be removed as well as every address that is not associated with me be removed. I am actively in the XXXX I am asking for your help and support in this matter
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

previously disputed these account stating : " I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

Experian furnished information on my credit report without Permissible Purposed this is a direct violation of federal law Pursuant to 15 USC XXXX681b Permissible Purpose of consumer reports.
Consumer complaint received 2022-02-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2022-02-13
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. (NC)

I check XXXX XXXX  regularly and noticed that someone pulled my credit for a mortgage. I have no need for a mortgage and this isnt the first time I have seen where someone tried to use my credit and personal information. On my Equifax report, it showed a inquiry for a mortgage. This was back in 2019. Also, there was a credit card I had that had been used without my consent because I didnt authorize anyone to use it. I keep all receipts and monitor my accounts regularly. My identity was stolen after a car accident and a former physicians office and public hospital had something to do with it.
Consumer complaint received 2022-02-13
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: EQUIFAX, INC. (IL)

I, XXXX XXXX, a federally protected consumer has attempted to reach out to XXXX XXXX XXXX to receive credible information to validate and verify the alleged debt. I sent a debt validation and cease & desist on XX/XX/XXXX and have yet to receive the information requested from the company. I do not owe this alleged debt. This company has violated my consumer rights and disregarded my attempts to assess the alleged debt. I have been in contact with the credit reporting since XX/XX/XXXX and I still don't know how or where this debt has been verified. I'm aware that these are both FCRA & FDCPA violations. I need assistance with this matter as soon as possible because I have not been provided with answers from either XXXX  XXXX XXXX or the credit reporting agencies. I also have certified receipts from USPS for the letters I have been sending since XXXX.
Consumer complaint received 2022-02-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Resources, Inc. (TX)

I paid five medical bills with this company on XX/XX/XXXX. I spoke with XXXX. I paid over {$300.00} and was told that a deletion letter would be mailed my address. The representative confirmed to me that the medical collections will be removed from my credit reports after payment clears. Their calls are recorded, I hope there is a record of it. 

The letter I received was only a paid in full letter. I called back on theXXXX and spoke to another associate and she informed that a deletion was not possible and against company policy. 

I requested that a supervisor review the recorded phone call on the XXXX so they can confirm what was said. A deletion is what I was assured would happen after payment. 

This is a bait and switch. I don't know why they did this or if XXXX was not trained properly but none of that is my issue. I just want the agreement that we agreed to to be enforced. 

I don't understand why a business would operate like this.
Consumer complaint received 2018-03-01
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Revenue Assistance Corporation dba Revenue Group (OH)

The first call came about 1-2 weeks ago from Revenue Group claiming I owed a medical debt for the XXXX XXXX. I told him it was an error, and I told XXXX . XXXX then to Stop Calling Me, and even prefaced Stop Calling Me with the statement of Now That I'm Saying This You Must Abide ... STOP CALLING ME. 
He called again today, XX/XX/2018 at XXXX. I recognized his name, XXXX. I reminded him that I already told him to stop calling. He says " well i don't see anything in my notes ''. I told him It's not my fault if he neglected to note that, and now he's in violation of federal law. He tried to argue with me, but before he could I told him to XXXX XXXX and hung up. 
Those calls are on a recorded line.
Consumer complaint received 2024-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (PA)

My income driven repayment plan date on Mohela is stated to be XX/XX/XXXX. XXXX 's website states that any recertification date prior to XX/XX/XXXX ( https : //studentaid.gov/announcements-events/covid-19 # income-driven-repayment ) will be delayed by a year, therefore, I did not recertify. Mohela is stating that my actual " hard '' recertification date is XX/XX/XXXX. Yet I have no documentation of this date in any of my files. There are no other dates listed for recertification. On XXXX 's website, My IDR anniversary date is listed as XX/XX/XXXX. Clearly there is no indication that I have a recertification date prior to XX/XX/XXXX. 

I called them on XX/XX/XXXX and the initial agent I spoke with agreed with me. But when he went to talk w/ his supervisor they determined there was a " soft '' and " hard '' recertification date ( this is after XXXX hours of waiting on the phone ). The supervisor called me back the next day and still could not explain where in my file this XX/XX/XXXX date is. She just said she knew that was the date. 

I believe that Mohela has arbitrarily determined these dates in an effort to further confuse consumers and force early recertifications to increase their payments which clearly violate the intent of the Department of Education to provide appropriate time for consumers to recertify. In addition, their inability to provide documentation to lenders must violate lending statutes. They are also clearly inept at communicating within their own department regarding these new rules and are not communicating appropriately with the Department of Education on how to manage the regulations that have been put in place. 

In what world can the Federal Government so clearly make a regulation and have an agency refuse comply? 

My understanding is that this is a larger problem and effecting many thousands of individuals. Mohela 's customer service is taking several hours to even answer and then even more hours to get any sort of resolution due to poorly trained staff. It is exhausting.
Consumer complaint received 2023-06-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Consumer Portfolio Services, Inc. (PA)

I submitted a Billing dispute to the legal Council at Consumer Portfolio Services on XX/XX/XXXX and didnt get a Proper response i requested until today even when i speaking to them on the phone the multiple times they were saying these stressful things ive always INTENDED to pay for debt i ACTUALLY OWE but they just said this WITHOUT SENDING the documents i had requested i just got threats of getting sent to loss prevention i had to look up what that even meant i THOUGHT it was to help me but ive learned its not I wanted to fix this issues but all they have done is give A LATE PAYMENT on my CREDIT REPORT and send me MORE Statements which THEY WERE NOT SUPPOSED TO DO until this was cleared up or are they immune to FEDERAL LAW? Im under the understand that ALL people are created equal and are subject to FEDERAL laws statutes and codes which they did NOT follow and now i have this on my credit report which is further ruining my life this was NOT supposd to happen I was suppose to get the verification i had requested but that never happened!!!!!
Consumer complaint received 2022-02-14
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. (CA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-02-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Opportunity Financial, LLC (FL)

OPPORTUNITY FINANCIAL LLC have failed to provide consumer with an authenticated record of accounting to validate and verify alleged debt. This is my FINAL NOTICE to provide me my request for accounting. I have the right to an authenticated record of accounting which should be readily available to you as the custodian of records and/or the collective entity. 

Please note that this authenticated record must include ALL tax filings ( including ALL 1099 's, 1096 's and 1098 's ) ANY and ALL trades and/or investments and/or interests associated with this account of which I am alleged to be a party. 

I have a right to this information, as its directly associated with the reporting activities associated with my financial record. 

Failure to act and/or comply will result in legal actions under Federal Laws
Consumer complaint received 2021-12-19
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2022-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CA)

A while back I signed up with XXXX  For phone service and signed an auto pay getting a new phone nothing special Was never told that there was a charge For this phone of {$7.00} a month which I discovered after having the service over a year cause I was not happy with the phone and exploring the possibility of getting a new phone. 
I was told that there was no promotions At this time, I tried again after two weeks with no results, when I got my next bill from XXXX I noticed the bill was {$10.00} extra and there explanation was charging me {$5.00} for every inquiry to the matter that's when I decided to move my services with XXXX XXXX XXXX
Consumer complaint received 2021-12-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (DC)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.