davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO Bank, N.A. (AZ)

First week of XXXX I noticed unknown charges on my bank account. I immediately contacted XXXX bank and shut down my card. The BMO representative XXXX issued a report back to the bank on the charges totaling {$51.00}. Approximately two weeks later the bank sent me a letter dated XX/XX/XXXX with reference number XXXX stating the " Our investigation reveals that your card was required to be present to complete the transaction. '' This is absolutely not true. The bank rep. XXXX advised the charge that came through on XX/XX/XXXX was actually done on XX/XX/XXXX which I was not in town and had my card with me. Secondly if they truly investigated my account they would see these charges appear all of a sudden and are from a location that is quite a ways from my home and does not fall in a pattern of my checking account. I called the bank on XX/XX/XXXX and was advised to send an email to XXXX and I would hear back within XXXX hours. I waited until XX/XX/XXXX and called BMO again. I spoke with a BMO manager named XXXX who advised she would escalate and call me the next day. That call never came. Today XX/XX/XXXX I called and spoke to a manager named XXXX who advised she spoke with processor and they can TELL that my card was presented at location. This is not true for these charges on my account are absolutely fraudulent and my card is with me at all times. BMO bank has offered NO PROOF that my card was present to make these transactions. I had a total of {$51.00} stolen out of my account with absolute no funds protection by my bank that I have been a loyal customer to for over XXXX years.
Consumer complaint received 2022-11-07
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. (AZ)

To Whom It May Concern : I'm in shock how poor attention the consumer report concerning me has gotten. 
You are reporting inaccurate and/or incomplete/fraudulent information concerning me in consumer reports. 
Your conduct has caused me distress and financially harmed me with costs and loss opportunity.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

XXXX/24 i sent Experian a letter asking them to verify information claiming to to be reported on my credit report. I have waited 30 days and they have not responded to my request and have not even let me know they are processing things
Consumer complaint received 2020-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

List of names addresses and accounts are all in my credit report that isnt me I try calling to Get them remove was told I couldnt remove them bc they are associated with address and account that arent mines! I would like all the names and accounts investigate and removed from my credit report that arent associate with my name XXXX XXXX or my address
Consumer complaint received 2024-04-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ASSOCIATED BANC-CORP (IL)

I received a text from Associated Bank on XX/XX/2024 regarding possible fraud on a debit card from my account ending in XXXX and entered the wrong response in regards to the text. I called into customer service and the representative froze my debit card without my knowledge as I was simply asking a question in regards to the text. He informed me after he froze my debit card and not before and that's when I inquired about it being froze and to unfreeze my debit card. I repeatedly asked for my card to be unfrozen and he refused. I asked to be transferred to a supervisor and I spoke to someone who was as rude as the first representative and who kept over talking me and eventually hung up on me. I called back several times and kept getting the same person until I got a nice lady who helped me and gave me some suggestions that may help me. I called again on XX/XX/2024 and I was told my card couldn't be unfrozen as it had been more than XXXX  days. I called the local bank trying to get help and asked could it be escalated or whom I could file a complaint with. The lady I spoke to stated she would call me back in regards to my concerns but she never did. I received a letter instead that my accounts would be closed with less than XXXX weeks notice. I wasn't hostile towards the branch employee as stated as there wasn't a reason to close my account.
Consumer complaint received 2022-11-07
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: NORTHERN OHIO INVESTMENT COMPANY (MO)

In XXXX ( XX/XX/XXXX ), I obtained a home improvement loan through XXXX XXXX XXXX. At the time the loan was taken out, XXXX XXXX XXXX  filed a XXXX against my property for the loan amount ( recorded XX/XX/XXXX ). Sometime after that, XXXX XXXX XXXX changed its name to XXXX XXXX. There were multiple loan servicers assigned over the next few years. From what I was told by a representative from XXXX, they sold a portfolio of loans to Concord on XX/XX/XXXX. They advised me to contact Concord to resolve my issue as it was sold to them. 

I contacted them several times and no one could access the account and provide no information whatsoever. They indicated that they have no record associated with me. I asked to have the issue escalated in order to access what is likely an archived account. I sent an email to the department suggested to escalate the matter on XX/XX/XXXX and have not heard any information back from them. 

In addition, there was NO recorded assignment of this debt to Concord. They can not provide me with any account information and say they have no record of me at all. I have no data on this as it was over 15 years ago when this began. I need Concord to release the lien on my property as it is interfering with my ability to sell my property.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kimball, Tirey & St. John LLP (CA)

Back in XXXX my wife and I were evicted from our apartment, The XXXX XXXX XXXX XXXX XXXX XXXX. They sold the debt shortly after, to XXXX. In XXXX we hired a debt consolidation company to negotiate this debt on our behalf. Debt was settled for {$3800.00}, but the company is claiming they only settled under my wife 's name and that I still owe more money. There is no reason my wife would settle without me. We have been married since XXXX. We were both on the lease. We were both on the contract with the debt consolidation company. We are still married. Now they won't honor the settlement.
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 — Old information reappears or never goes away
Company: CITIBANK, N.A. (NC)

I have made multiple attempts to get this company to remove the information from my reports but they refuse to do so. I have asked multiple times that they send me a copy of the application because I told them long ago that this account did not belong to Most importantly, the account is outdated and the company continues to illegally report it. I get monthly alerts stating that this account was paid late within the past 30 days and there has been NO activity on the account from what appears to be 2013. This is illegal and they refuse to stop violating laws in place. My credit score has been impacted by a 129 drop because this company reported a payment as late on this inactive account every month.
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (DE)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2022-11-07
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. (SC)

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. 

FOR XXXX : 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 EXPERIAN 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 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-09-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I wanted to payoff the loan with SLS Loan servicing LLC. Received payoff quote letter dated XX/XX/XXXX, total payoff amount with interest calculated to XX/XX/XXXX is XXXX. My escrow company wired total payment of XXXX to SLS Loan LLC on XX/XX/XXXX with interest calculated to XX/XX/XXXX. SLS Loan somehow changed the loan payoff quote to XXXX last minute on XX/XX/XXXX with additional escrow impound balance of XXXX due to missing insurance policy info ( a policy was purchased on my behalf by SLS as my own insurance policy provided to SLS was miscoded as master policy ). I received a letter stating the shortage of XXXX ( XXXX plus interest calculated to XX/XX/XXXX instead of XX/XX/XXXX ) in order to pay off the loan on XX/XX/XXXX. 
despite of numerous phone calls to customer service stating the escrow impound balance of XXXX had been reversed and brought down to XXXX, thus the shortage of XXXX should be non-existent. SLS insisted that I temporarily covered the shortage of XXXX so the loan can be closed and then everything will be reconciled so the XXXX wrong shortage plus over charged interest will be refunded to me shortly after the loan is closed. And that's the ONLY way loan gets paid off. I sent the wire payment of XXXX on XX/XX/XXXX and SLS received on the same day. Loan was paid off as of XX/XX/XXXX. 
I received a final refund check in the amount of only XXXX on XX/XX/XXXX with no statement showing how XXXX came up with the refund amount. I tried to call customer service a few times on XX/XX/XXXX and XX/XX/XXXX, agents could not answer my question and said to have someone at higher level call me back right away. I received no call backs at all. 
the refund amount should be the full XXXX. SLS made the payoff process extremely difficult and frustrating with no response, no timely help, no capable agents over the phone. insurance policy was miscoded by SLS which resulted in the shortage, yet I, the consumer had to suffer. overall, the most horrible experience I had with any mortgage company by far. 
Also, I was charged {$25.00} fee when my escrow company first requested payoff quote. we never received the quote in the mail, thus I had to call to request a FAX. I got charged {$25.00} again. I have no clue how total {$75.00} fee was charged by SLS while their initial payoff letter on XX/XX/XXXX was even inaccurate. Escrow company followed thru based the initial payoff quote from SLS, then the borrower had to make up the difference and waste more time for this rather easy process.
Consumer complaint received 2022-11-07
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (NV)

Enhanced Recovery Company has harassed me for over a year due to an amount of {$280.00} owed to XXXX XXXX XXXX. My mother put the services in my name and my consent was not given. I've told the company multiple times that I in fact did not know anything about this account but they are still expecting me to pay. They call almost every hour XXXX which interrupts my work day and as a military member, it has gotten me in trouble on a few occasions. I hope there is a way to resolve this to ease my growing stress.
Consumer complaint received 2022-11-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (OH)

I sent {$25.00} to XXXX on XX/XX/2020 XXXX XXXX XXXX. The recipient was unable to collect the money and Western Union refuses to refund me. No reason provided.
Consumer complaint received 2020-06-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (AZ)

I was approached by Amerisave company to refinance my home .After they asked me all the questions about my finances check my credit score got the information about my annual income and my debt they told me that I qualify for the loss rate the only thing I need to do is be {$500.00} for an application fee. Once I paid the {$500.00} application fee and my home appraised higher than expected all Of the sudden they say I do not qualify for the promised rate. I only qualify for much higher rate and interest so I either refinance with them on theRe terms or they will not return my {$500.00} application fee. Even though I specifically made sure that I qualified before I payed and the assured me of that.
Consumer complaint received 2020-08-04
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. (MO)

In XXXX of this year I noticed an old XXXX XXXX account which did not apply for. I filed an Identity Theft Report and submitted the documentation to XXXX XXXX as well as the credit bureaus. XXXX XXXX continues to report the fraudulent account after receiving the identity theft report.
Consumer complaint received 2023-02-09
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: P&B Capital Group, LLC (OH)

I made a complaint in the month of XX/XX/XXXX about not knowing who P & B CAPITAL GROUP LLC is and what debt they're trying to collect. They sent a copy of a Promissory note which claims I received a payday loan from XXXX XXXX XXXX XXXX  on XX/XX/XXXX and I lived in the state of XXXX. Both are not true because from XX/XX/XXXX - XX/XX/XXXX, I was living in and resident of the state of XXXX XXXX  and Payday loans or loans more than 25 % interest are ILLEGAL in New York. It is also ILLEGAL for a debt collector to collect, or attempt to collect, on a payday loan in XXXX XXXX XXXXXXXX. I've attached my W2 for XXXX, my last earning statement while living in XXXX and a XXXX XXXX  credit card statement which shows my previous address of XXXX XXXX XXXX, XXXX XXXX NY. P & B CAPITAL GROUP LLC has failed to check the accuracy of the information they received and is reporting inaccurate information to XXXX XXXX which hurting my credit.
Consumer complaint received 2020-09-30
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo is a trash company who put my mortgage in forbearance when no one asked. I've been paying my mortgage on time and in full every month and when I try to refinance my mortgage away from that horrible company, the new company gets a message that my loan is currently in forbearance. I did not ask for or even hint at needing one, yet they still decided to do it without my consent. Wells fargo needs to learn about consent because it's not the first time they have issues with that. Now I have to waste my time fixing their stupidity. Worst mortgage company out there!
Consumer complaint received 2020-09-30
Product: Credit card or prepaid 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: BBVA FINANCIAL CORPORATION (NY)

I have visa credit card from BBVA ( BBVAUSA.com ). Recently I noticed unknown charges posted on my account ( {$1.00} and {$1.00} ). After 12 (! ) attempts, ( they played game, pretend not understand me or really did not understand, or just hanging up on me ) I initiated dispute. Three days later I received " result '' of investigation, stated that transactions " was authorized ''. There were no time when, no by whom they were authorized, not name of merchandise. My attempts to obtain this info over the phone were filed - they do not speak English.
Consumer complaint received 2020-09-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (ID)

XX/XX/XXXX This is concerning a time-barred-debt from the year XXXX. Multiple collection agencies have harassed me from XXXX to current XXXX. 

Please see attached correspondence each time I have filed with the CFPB. 

Now for the second time Convergent has been calling me and leaving me messages in the months of XXXX, XXXX and XX/XX/XXXX, leaving me partial recorded messages with a number to call. I have refused this time to call them. 
Today, XX/XX/XXXX I received yet another letter attempting to collect on the same time-barred-debt as they did last XXXX XXXX. Please see their attached response ( Adobe doc ) telling me they are not handling the account after I informed them at that time it was time-barred. They were working for XXXX XXXX XXXX XXXX at that time. 
Now Convergent is representing XXXX XXXX, XXXX. The names change but the Time-barred-Debt does not. In fact its older now than it was five years ago when this circus started. 
I have attached every correspondence I can from XXXX through now XXXX including last years correspondence when 3 companies were trying to collect from me simultaneously. 
I want the calls and letters to STOP regardless of the whos who of the latest flavor of collection agency of the week!
Consumer complaint received 2020-09-30
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Adjusters, LLC (ID)

This company has repeatedly called me during work hours, after hours of XXXX and as early as before XXXX. They have even called me on XXXX XXXX and have been told they are violating FDCPA regulations but refuse to listen. I have recorded phone calls between myself and their reps asking for them to send me proof of claim on debt and have yet receive anything from them on any debt ( s ) they claim to hold.
Consumer complaint received 2020-03-13
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CNG HOLDINGS INC (TN)

On XX/XX/2020 I received an email at XXXX and a text message at the same time regarding my account with lease it or keep it. I do not appreciate being called every hour while I am at work and now I am getting contacted at an unacceptable time of the night.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I have contacted each company for the inaccuracy on my consumer report. The activity date, account being removed off of XXXX. It was removed due to identity theft. Also date of last active I have never made any payments on this account and it's not associated with any address that I have listed on my credit report. Account XXXX last reported dates XXXX and Equifax as inaccurate dates listed along with last date of payment is inaccurate these are showing all type of inaccuracies all across my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX all of these are showing inaccurate information and there for to be removed from my credit report. Equifax and XXXX dates and amounts do not match up activity and payment dates show several inaccuracies. Date of last reported is error too. Your investigation of verified has damage my account and reputation for these accounts and I have provide all the pictures and evidence to provide to the XXXX  I have to send over an audit to IRS for your purpose missed investigation for many years allowing these errors to remain on my credit report and placing them back on my credit report as well. XXXX has dates that are incorrect dates and I have not did any business with this company. XXXX AS WELL IS INCORRECT DATE OPENED WRONG LAST REPORTED ALL WRONG XX/XX/XXXX XX/XX/XXXX LAST DATE ACTIVE XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX LOOK AT THE ERRORS LISTED AND YOU CONTINUED TO REMAIN AND PLACE THE ERROR ON MY CONSUMER REPORTERD THEWY ARE TO BE REMOVEDF IMMEDIAELY. THESE ACCOUNTS ARE REMOVED ON THE OTHER CREDIT AGENCIES I HAVE PLACED ALL THE MISTAKES XXXX, XXXX, XXXX XXXX ACCOUNTS, DEPT OF XXXX THE DATES OF ACTIVITY, DATE OF PAYMENT, DATE OF ACTIVITY, ALL OF THE DATES ARE DIFFERENT AND INCORRECT.