davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (MI)

1 ) BMO Harris purposely has long wait times to avoid assisting consumers resulting in charging excessively high fees.

2 ) Unnecessary delays in deposits has lead to charging ( {$76.00} overdraft fees ) excessive fees.

3 ) They threatened to changed the status of my account without any warning. They refused to provide new terms or a specific date for when this change would take place. 

Specific Instance : On XX/XX/XXXX I was charged an overdraft fee when I had available funds. On XX/XX/XXXX the BMO Rep provided false and misrepresentative information on several data points. For example, she stated that my  funds were available while the mobile app clearly stated pending. Also they threatened to change my type of account without any written warning.
Consumer complaint received 2022-12-01
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)

I sent a letter to the Equifax Credit Bureau on XX/XX/2022, to correct this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior request and I'm including it again to correct the account in my file. 
XXXX XXXXXXXX Balance Owed : {$0.00}.
Consumer complaint received 2019-07-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC (VA)

I thought I had paid off my truck loan on the XX/XX/2019. The company sent me a bill that stated my payoff was {$47.00} by the XX/XX/XXXX, so I paid that day the XX/XX/XXXX by debit card for {$47.00}. I checked my bank account and it stated pending transaction, I had over {$5000.00} in the account. I received a phone call yesterday XX/XX/XXXX stating I owed a past due amount of {$160.00} with no late fees!? I called and stated that I had paid off the loan on the XXXX for {$47.00}, but when I went to get the proof of the payoff from my account there was no transaction on my statement. Now they say I have to pay the {$160.00}, what if anything can I do in this situation?
Consumer complaint received 2021-06-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (NY)

I received in the mail a debit card from JPMorgan Chase Bank in XX/XX/XXXX that I had never requested. I immediately went to the local chase branch at XXXX XXXX XXXX, NY and reported this to XXXX. She was able to close the account. I received in the mail on XX/XX/XXXX a checking statement with transaction details from the account number XXXX : Balance : {$800.00} XX/XX/XXXX Online XXXX XXXX To XXXX XXXX # # # # # # # # # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ID : XXXX XXXX XX/XX/XXXX Online transfer XXXX To XXXX XXXX XXXX XXXX # # # # # # # XXXX XXXX XX/XX/XXXX Online Transfer XXXX To XXXX XXXX XXXX XXXX # # # # # # # XXXX XXXX XX/XX/XXXX Debit DDA-Check Charge Ending Balance {$0.00} I have shared this information with Chase Bank XXXX
Consumer complaint received 2016-09-26
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: BMO Bank, N.A. (WI)

Disregard the above paragraph, none of your choices fit. We sold our home on XXXX/XXXX/2016, and BMO was paid off by the closing agency. 
the problem is we have not received our escrow balance.
Consumer complaint received 2016-10-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Business and Consumer Solutions. (ME)

I was contacted by a company calling themselves FBCS Inc. They made claims that I owe {$1200.00} on an account from XXXX XXXX XXXX. They also stated that it was a XXXX Credit card. I have never had a XXXX XXXX. They asked for my social security number and information that I did not want to give out. They where forceful and rude. I told them it was n't my card, and that nothing like that has ever been on my Credit history, which I check frequently. They said they would send paper work out to my address so that I could claim it as fraud. The paper work is asking for my social security number and all confidential information that I do not want to share. They could not verify any purchases made with the credit card. I did some research and found that XXXX also financed XXXX and XXXX XXXX credit cards, but again I have never had either of those cards.
Consumer complaint received 2016-07-19
Product: Credit card — 
Issue: Other — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

In XXXX 2016, I opened a checking account with Fifth Third bank. Once the account was setup, I used the mobile deposit app on my smartphone to deposit XXXX money orders. A few days later, I lost online access and I received a letter in the mail stating that the Money Orders were fraudulent. 

I was able to deposit the same money orders with XXXX XXXX XXXX. 

Earlier this month, I applied for a Fifth Third Credit card and was approved. I wanted to have online access to the account so I can manage the account and pay online. Security & Fraud department of Fifth Third Bank would not allow me to have access online because my account is locked because of the issue above with the Money Orders. 

I was told to contact my local branch and they might be able to request an over ride with the Fraud Department. Local bank requested they need to contact XXXX XXXX to verify the Money Orders are valid. XXXX XXXX said Fifth Third Bank needs to make a conference call with me on the line. 

I have not heard from Fifth Third Bank regarding the conference call with XXXX XXXX.
Consumer complaint received 2020-02-25
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. (OK)

XXXX XXXX- Based on these alleged facts, the Complaint asserted a single cause of action for violation of California 's Automobile Sales Finance Act. The Complaint also alleged that XXXX XXXX XXXX was liable for XXXX XXXX 's conduct because it was the assignee of the XXXX XXXX Several XXXX XXXX companies violated consumer protection ... would be waived or forgiven if they accepted certain settlement offers XXXX  : n XX/XX/2017, XXXX  announced a data breach that exposed the personal information of XXXX XXXX people. The company has ... 

other Major violations : The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of  consumer reporting agencies XXXX XXXX XXXX XXXX XXXX inquires : the dealership violated institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq. ] ... information from the consumer report will not be used in violation of any applicable Federal or ... 

XXXX  XXXX XXXX XXXX XXXX is fair debt violation XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX ftc violations XXXX XXXX wife was affected also same above ss last 4 is XXXX
Consumer complaint received 2020-02-25
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: EQUIFAX, INC. (OH)

Equifax supplied an answer to a complaint to the CFPB on XX/XX/2020 stating that they removed 2 credit inquiries on my credit report. One for XXXX and one for XXXX XXXX. to today 's date and after several phone calls to Equifax after they said these were removed they continue to post these inquiries that do not belong to me. 

They also continue to report bankruptcy which should be removed as the others have and even XXXX has removed it from their database. 

Also once again they have a suffix at the end of my name and I have no suffix. I have no issues with any other credit reporting agency except equifax. 

DOES ANYONE HOLD THESE INCOMPETENT IDIOTS ACCOUNTABLE FOR XXXX  WITH PEOPLES LIVES????? THEY NEED THE XXXX SUED!!!
Consumer complaint received 2019-02-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Oracle Financial Group LLC. (CA)

The company keeps calling me once on XXXX XXXX2018 at XXXX XXXX And threatening to sue me and send me a complaint summons. I paid half of my loan off through oracle financial group LLC . I paid XXXX And they were supposed to take the final payment but it never came out of my account. They keep harassing me and I called the actual payday loan company and check to see how much I owed and the original payday lender keeps saying I owe the same amount from before I paid the XXXX. They also are threatening to freeze my accounts and garnish my IRS refund. Instead of sending me letters with how much I owe they keep calling me. They never sent me a receipt for the half of the loan I paid off. I am not comfortable with paying for the other half of what I owe if I dont have a receipt for the previous half. i feel like they are using threatening illegal debt collecting practices with me. They called on XX/XX/XXXX at XXXX XXXX and told me that they are trying send me with a summons complaint and that it was sent back and to call their mail room as well as they are charging me with fraud.
Consumer complaint received 2020-02-25
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. (OK)

XXXX XXXX- Based on these alleged facts, the Complaint asserted a single cause of action for violation of California 's Automobile Sales Finance Act. The Complaint also alleged that XXXX XXXX XXXX was liable for XXXX XXXX 's conduct because it was the assignee of the XXXX XXXX Several XXXX XXXX companies violated consumer protection ... would be waived or forgiven if they accepted certain settlement offers Equifax : n XX/XX/2017, Equifax announced a data breach that exposed the personal information of 147 million people. The company has ...

other Major violations : The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies XXXX XXXX XXXX XXXX XXXX inquires : the dealership violated institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq. ] ... information from the consumer report will not be used in violation of any applicable Federal or ... 

XXXX  XXXX XXXX XXXX XXXX is fair debt violation XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX ftc violations XXXX XXXX wife was affected also same above ss last 4 is XXXX
Consumer complaint received 2020-02-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of Michael J. Scott, PC (VA)

Scott & Associates has levied my bank account for the debt of my children 's Mom. I will pay for her if they will release the funds. My Dad has XXXX XX/XX/XXXX, so this is an emergency. If they do not release, she has already agreed with me to file ch XXXX bankruptcy.XXXX
Consumer complaint received 2021-06-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

Experian continues to furnish reports on my credit report that i did not authorize. i asked them for a contract between me and them, and a contract between them and the companies that pay them to furnish my information. They've been evasive and have violated the Fcra specifically 15 usc 1681 ( b ), 1681 ( a ) ( 4 ) and 15 usc 6802 ( b ) ( 1 ). 
Also i discharge all debts and under 18 us code 8 obligations or other securities are the obligation of the United States. 
How are they attempting to collect a debt. According to the Ftc section 807, the only people allowed to collect on the Federal Reserve debt has to be in contract with the United States Treasury XXXX XXXX. 
And lastly the report is inaccurate and false reporting is another violation.
Consumer complaint received 2020-02-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BC SERVICES, INC. (CO)

I feel like BC Services has fraudulently obtained my social security number in order to collect a debt! They have went as far as to contact my employer and began to garnish my wages. I dont even know why they've decided to take such action as they are not even listed down as a collection agency I owe money to on my Credit report. The only 3 agencies I owe money to are XXXX XXXX XXXX  ( hospital bill ( {$140.00} ) ), XXXX XXXX ( 2 hospital bills ( 1 for {$210.00} and another for {$510.00} ) ), and XXXX XXXX XXXX ( apartment lease ( {$1400.00} ) ) .... not BC Services. On top of that, I dont understand why they will take away about {$200.00} from every check if 2 hospital Bill 's were under {$250.00} and the other one is {$500.00}. The XXXX XXXX account has slowly been starting to pay off so there wouldn't be a reason for them to garnish my wages. BC Services failed to ever contact me and took wrongful action without my knowledge.. I thought my employer was shortening me on my hours.
Consumer complaint received 2020-02-25
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc. (FL)

Theres been a security breach at Experian as my account has been compromised and disabled. I received an email stating my account with Experian via creditchecktotal.com had been canceled. Because I know for a fact I did not cancel my account, am filing a complaint because this same thing happened to my family members XXXX, XXXX and XXXX. I went online and tried to sign in with my username is XXXX and it gave me an error message stating to call a toll free number. The number goes to an automated system with no live operator. My account has been compromised and I can not get any help. Im sending this info to XXXX and XXXX XXXX as well as it will total four complaints within one week about the same issue. I even tried to create a new account with username XXXX and the same error occurred after it took my {$1.00}.
Consumer complaint received 2015-05-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I lost my home over 6 years ago. When I purchase my home Countrywide ( now Bank of America ) Gave me 2 loans, after I lost my home because my payment increases to over XXXX a month and the bank did n't want to help me. Now bank of america is still charging me for the second loan. Since this was a purchase money second I 'm requesting your help to update balance to {$0.00}
Consumer complaint received 2019-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

My name is XXXX XXXX. Portfolio Recovery Associates started recording on my credit report two accounts. I paid one to get it off my credit and then started wondering if these were actual amounts due. I wanted proof of ownership from Portfolio recovery and I was told they do not have those documents. I wanted a application showing that I acknowledged any terms from XXXX XXXX. They could not supply me with any documents and informed me that they do not have these documents. I was told by XXXX XXXX on a recorded line that there was a charge from XXXX XXXX that they maybe can get a contract from XXXX XXXX to prove that I acknowledged an application. I'm quite skeptical as they can not supply me with anything besides a statement for either account. I also requested documentation as I believe I could have been part of a previous complaint issued regarding tactics that threatened me with attorneys. They can not supply me with any letters that were previously sent to me but only the letter showing that i paid the previous debt on ONE of the accounts they currently list on my credit. I would like answers as they keep telling me they will put in a request but inform me they have no idea what the turn around time would be on obtaining any documents. 


Portfolio Recovery Associates, LLC ( " PRA '' ) purchased the XXXX XXXX XXXX XXXX XXXX XXXX XXXX   account ending in XXXX from XXXX XXXX XXXX on or about XX/XX/XXXX. Information provided to PRA by XXXX XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX by XXXX XXXX whose social security number ends in XXXX, the account became delinquent on or about XX/XX/XXXX and that a balance of {$1200.00} was on the account at the time of PRAs purchase.

Portfolio Recovery Associates, LLC ( " PRA '' ) purchased the XXXX XXXX XXXX XXXX XXXX XXXX XXXX account ending in XXXXfrom XXXX XXXX XXXX on or about XX/XX/XXXX.

Information provided to PRA by XXXX XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX by XXXX XXXX whose social security number ends in XXXX, the account became delinquent on or aboutXX/XX/XXXX and that a balance of {$730.00} was on the account at the time of PRAs purchase.

Please can you look into this and obtain documents from this company as they can not supply me with any information requested.
Consumer complaint received 2020-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX is reporting an account on my credit reports as paid charge-off from 2014 and they are reporting this account as if it was a revolving credit account, as they have been reporting as if I havent been paying a credit card account for 6 years every single month, in spite of this being a CHECKING ACCOUNT from 6 1/2 years ago! This is significantly impacting my credit score, as I literally have perfect credit otherwise, as evidenced by the attached screenshots. I have disputed their reporting more than 3-4 times and I always receive a pre-drafted auto response saying that the loan account is being reported accurately ( once again, this was NOT a loan account - it was a DEPOSIT PRODUCT ).
Consumer complaint received 2022-12-01
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. (WI)

In accordance with the Fair Credit Repprting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2020-02-25
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. (TX)

XXXX is reporting an account on my credit reports as paid charge-off from 2014 and they are reporting this account as if it was a revolving credit account, as they have been reporting as if I havent been paying a credit card account for 6 years every single month, in spite of this being a CHECKING ACCOUNT from 6 1/2 years ago! This is significantly impacting my credit score, as I literally have perfect credit otherwise, as evidenced by the attached screenshots. I have disputed their reporting more than 3-4 times and I always receive a pre-drafted auto response saying that the loan account is being reported accurately ( once again, this was NOT a loan account - it was a DEPOSIT PRODUCT ).
Consumer complaint received 2018-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As ofXX/XX/XXXX, an agreement was reached with the CRAs to remove any tax liens or civil judgements that did not include a Name, Date of Birth, Full Social Security Number or Date of Birth. All three of my State of Georgia tax executions have been paid, satisfied and cancelled from record. However, the liens are still showing on my credit reports and do not meet the new reporting standards. My Date of Birth nor my full SSN are listed on any of the executions. I have disputed this information listed under the Public Records section with XXXX, XXXX  and Transunion. XXXX did remove the liens from my credit file. However, XXXX and XXXX only verified the records. I've contacted XXXX customer service and was told that they use a third party to obtain and verify public records. I was advised to contact XXXX to dispute this information. I contacted XXXX and initiated a dispute of my Public Record information listed on my XXXX   report. I received a letter datedXX/XX/XXXX stating the that information was deleted from my record. However, XXXX never updated there system and is still reporting this information as of XX/XX/XXXX.I also contacted Transunion customer service and was told the information is correct and that I would have to wait 10 years from date of filing for the records to be removed.   I have attached copies of all three tax executions and the letter from XXXX for your review.
Consumer complaint received 2020-02-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (FL)

I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating. 

Your agency must also provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws.