davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-30
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. (IL)

My name is XXXX XXXX I am writing in regards of disputing a denial in the account ending in XXXX. 
For claim number XXXX. The dispute was initially made on XX/XX/2022 due to an error made by a Bmo bank employee from a previous dispute claim number XXXX filed XX/XX/2022. I was told that debit card ending in XXXX would be immediately deactivated and could not further be used in dispute XXXX. Only after a transaction of {$370.00} with the same debit card ending in XXXX did not deactivate debit card ending in XXXX. I continued with the dispute and was told that I was not at fault because debit card ending in XXXX should have immediately been deactivated after dispute XXXX was filed. The transactions for debit card XXXX happened seven days after claim XXXX was filed. As shown in attached photo. With notes also attached stating such reason XXXX. Employee forgot to shut the card down .. Ive received a email stating that dispute XXXX was denied and that a provisional credit of {$370.00} would be deducted from my account as of XX/XX/2022. I am here to dispute the denial of claim XXXX reason being I no longer had possession of debit card ending in XXXX. I was also told by XXXX XXXX employee that debit card number ending in XXXX would be deactivated and could no longer be used. I can not be at fault for something I had no control over. Here are attached supporting documents regarding my claim ..as shown in both disputes attached card number ending in XXXX was used in both disputes .I would like to pursue further with a complaint against Bmo Harris Bank XXXX
Consumer complaint received 2019-05-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (GA)

I was Evicted from my home in XX/XX/2017 I paid all my debt from the landlord and then a year later the name Hunter Warfield showed on my credit report. I was never given a notice about this charge, and what is it for.
Consumer complaint received 2022-08-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

XX/XX/2022 Timeline of Bank of America ( BOA ) transaction and correspondence : XX/XX/2022 BOA withdrew from my XXXX account {$16000.00} XX/XX/2022 Called BOA to notify them that they had withdrawn the full balance vs the auto payment of {$2000.00} they confirmed the auto payment was {$2000.00} and not the full balance and that the money would be returned in XXXX business days. 
XX/XX/XXXX received a letter stating that BOA had returned XXXX to my bank account. 
XX/XX/XXXX - Checked my account and nothing had been returned yet. 
XX/XX/XXXX - Checked my account and nothing had been returned yet. Called BOA and was told money would be in my bank account XXXX business days from the XXXX. 
XX/XX/XXXX - Checked my account and nothing had been returned yet. I was told money would be in my account Monday XXXX. 
XX/XX/XXXX - Checked my account and nothing had been returned yet. I was told money would be in my account Tuesday XXXX. 
XX/XX/XXXX - Checked my account and nothing had been returned yet. I was told money would be in my account IN XXXX XXXX BUSINESS DAYS. 
If I walked into a bank and took {$16000.00} without the banks permission and the money had not been returned, would I not be arrested and prosecuted as a bank XXXX?
Consumer complaint received 2022-10-24
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. (IL)

My ex-wife used my name and identity to collect credit and do online shopping with the following companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, hard and soft enquiries and others which I don't know yet. These are all reflected on my credit report and is damaging my credit report.
Consumer complaint received 2022-02-24
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)

This is XXXX XXXX XXXX and this complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX, XXXX XXXX Balance {$23000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$1900.00} XXXX XXXX Balance {$170.00}
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (OK)

I did pay for all three reporting agencies, but once I reached XXXX I dropped XXXX and Equifax and just kept XXXX. Then XXXX of my accounts closed, and they said it was because of my credit score. So, I opened XXXX and Equifax up and saw that they were reporting my scores as XXXX, Equifax- XXXX XXXX and XXXX. I thought that this was odd because I monitored XXXX at least XXXX times a week, and it never fell below XXXX, and at present it is XXXX. The only reason could be that XXXX and Equifax were changing the XXXX score on their own and not reporting the actual score for XXXX. Then I called XXXX, and they told me that they could do that and that there was nothing wrong in doing it. That meant that Equifax was not checking XXXX either when I ordered my three reports, so they are just as guilty in reporting false scores. Then, when I ask to speak to a superior, XXXX told me that they were not going to change it. This has caused me to lose my XXXX account and my XXXX account, and has dropped my credit score and caused me to be denied for credit cards. This has really damage my credit.
Consumer complaint received 2022-04-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Army and Air Force Exchange Service (GA)

My son was on a field trip at XXXX XXXX GA. I received a call that he was shoplifting. He said he wasn't. The schedule was responses for monitoring the children. I was told they were not going to the main exchange and then later found out they were not monitoring them and several students went to the main exchange. I received a letter stating that I owe {$200.00} for the recovery act. I tried to appeal to AAFES and they denied it. I then get a letter that it went from {$200.00} to {$220.00} AND is on my credit report. I only received 1 letter then a collections letter. Never had instructions on how to dispute. I googled it. It took 2 months for a response. My son has never been in trouble before. I was told they recovered everything. Why is there a recovery fee?
Consumer complaint received 2023-06-25
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. (TX)

XXXX XXXX has wrong information no accounts have been opened on date XX/XX/2020 I have tried do dispute with no success this information is wrong I did not open any account with this date
Consumer complaint received 2017-09-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mountain Land Collections, Inc. (OH)

On XX/XX/XXXX upon applying for a mortgage pre approval the lender notified me of a judgement on my credit report from the state of XXXX that was dated XX/XX/XXXX. I had no knowledge of this judgement as I had not received any notification, in fact, my family and I had relocated to XXXX in XX/XX/XXXX. A change of addrsss was listed with the USPS. I contacted the creditor listed on my credit report, Mountainland Collections in hopes of gaining insight on the matter. I was transferred to a manager who then referred me to XXXX XXXX XXXX at XXXX XXXX. I explained to the collection manager that I had no idea what the judgement was for or that it even existed, I requested copies of documentation so that I could verify that the debt did in fact belong to me. She told me no, she would not provide that information to be because I was already served with papers back in XXXX, if I wanted documentation I would need to contact the courts. I explained to her that I had not received any summons or otherwise from a process server, she proceeded to tell me that my husband was served with the papers. I told her that was not true, neither of us had any knowledge of the situation nor had we ever been served. She proceeded to ask me how I intended to satisfy the judgement, I told her again that I needed to verify that the debt belonged to me and if so I would gladly make arrangements. I asked a second time to have the documentation from the original creditor and she refused. She became insulting and told me that if I were a responsible individual that paid my bills I would not be in this situation and she will be looking into options on collecting despite my living in another state. I finally grew frustrated and ended the call, I then made multiple calls to the court system in XXXX, XXXX to find some sort of documentation or paper trail. I finally spoke to a clerk that gave me the name of the original creditor, she also informed me that the collection agency could not refuse to provide me with the documentation that I requested. On XXXX XXXX after reviewing my pay stub I saw that a garnishment was listed, I never received any notification of a garnishment nor had any knowledge of their intentions. I contacted payroll and was told that papers were served to my prior address, an address that I have not lived at for 5 years. It was only because of my payroll manager that I even received any documentation on the garnishment. I have no issue paying on a debt that is rightfully mine but when I have zero knowledge of the situation and nobody that is willing to provide me with supporting documentation there is a serious problem. In both instances I was not able to dispute the validity of the debt or actions taken because I was NEVER personally served or notified. Now I have a garnishment that is over 3 times the amount originally owed, a judgment on my credit report and 25 % of my pay check is being taken for a debt that I do n't even know belongs to me.
Consumer complaint received 2022-09-01
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: Experian Information Solutions Inc. (CA)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Se

ction 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are wilful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNT. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$240.00}, XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00}, and XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2022-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo notified us that they were closing our business checking account due to suspected unauthorized of a single wire. We confirmed with them the wire was not fraudulent with definite proof, and even asked them to reverse the wire /as/ well as sent the customer a check that was cashed with that amount, Wells Fargo also wired the customer back. They locked us out of all accounts ( not only the business account but every single Wells Fargo account we had ). They said the account would be closed on the XXXX of XXXX, and a cashiers check would come soon after. That did not happen, we called again and they said it would be closed on XX/XX/XXXX. That did not happen- they did not send the check. Now when we call they are claiming to hold the money that was in the bank account up to 60 days with no reasoning as to why other than we are investigating. This is our entire business checking account that we use to pay payroll with, it has all of our operating cash, over {$200000.00}. We will go out of business if this continues.
Consumer complaint received 2022-02-24
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)

As I reviewed my recent report, I have found an erroneous information reporting on my TransUnion Credit Report. The payment history is incorrect. I was never late on this account. I've already sent a request to TransUnion to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXX XXXX Balance {$1300.00}
Consumer complaint received 2022-10-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (FL)

I reached out to Freedom Mortgage to save my home on XX/XX/2022. 
I have been through hardships in the past 12 months that caused me to be unable to communicate with the mortgage company. 
They provided a loss mitigation packet i recieved through the mail. 
I filled out loss mitigation packet and submitted for review on XX/XX/2022. 
I called everyday to ask for updates and mentioned Auction date of XX/XX/2022. 
Freedom Mortgage told me not to worry about the Auction date even on the phone call that took place XX/XX/2022. Once Auction was held Freedom Mortgage said their is nothing they can do to help me. I believe its my right to save my home and Freedom Mortgage misled me. I wanted to file bankruptcy to help the foreclosure but because of the bank having open communication with me i did not and that caused the courts to approve sale. 
I would like to stop foreclosure sale and come to an agreement with Freedom Mortgage so that we both come out fair.
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

As I reviewed my recent report, I have found some erroneous information reporting on my Equifax Credit Report. The payment history is incorrect. I was never late on these accounts. I've already sent a request to Equifax to correct and update these matters but I am not sure if they have conducted a thorough investigation for this item : XXXX XXXX XXXXXXXX Balance {$1200.00} XXXX XXXXXXXX XXXXXXXX Balance {$1300.00}
Consumer complaint received 2017-09-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I took out a HELOC with 5/3 Bank in XXXX. In XXXX, I ran into some personal issues and could not pay the HELOC as the interest rate adjusted. My payment amount doubled. The HELOC was eventually charged off. I had tried to obtain a modification with 5/3 several years ago. It was going smoothly until payment was demanded to do the modification. I was given 1 day to come up with a {$700.00} payment before the mortgage would be charged off. I simply could not come up with the money. Then in XXXX 5/3 brought a lawsuit against me for the charged off HELOC. I again could not pay and consulted an attorney for a chapter XXXX bankruptcy to pay the arrearage. The BK XXXX was approved in XX/XX/XXXXwith a payment to 5/3 of {$400.00} for the arrearage and {$400.00} to keep the HELOC current. In XX/XX/XXXX I sold my property in order to pay off the HELOC. On the pay off I was hit with {$11000.00} and accrued interest of {$49.00}, XXXX. 5/3 also supplied a payment history which I believe does not take into account any of the monies paid to through the bankruptcy. I have made several attempts in XXXX to recover the monies owed to me and to receive a breakdown on how my payments were applied. My bankruptcy attorney was not familiar with this happening as he stated this was the first time he saw deferred interest on a payoff after the arrearage was agreed upon by 5/3 at the time of the bankruptcy filing. 5/3 also used a debt recovery service who has not answered any inquiries I had in regard to my account. All that was furnished was a payoff breakdown to my bankruptcy attorney. 5/3 's debt collection agency did not furnish the payoff until 3 days before closing. I did not want to postpone the closing and jeopardize the sale of the property.
Consumer complaint received 2022-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PENTAGON FEDERAL CREDIT UNION (TX)

XXXX or XXXX I called to XXXX and asked how much do I own to the bank. I want to to pay off and closed my account. I don't think PenFed is good and honest credit card provider. Then the lady said " {$1200.00} I owned to their bank '' I said " I wanted to pay off {$1200.00} then closed my account please " I gave her debit card and routing number. the process went throught. I asked her few times ... .Please closed my account and I own " XXXX '' to the bank... She said ok. my account will be close. after I ended my called. I put XXXX card away, and never aver use again. 

Yesterday XX/XX/22 I received from PENFED CREDIT CARD. I still own them {$40.00}. I don't have their card and never use it for months. I called the PENFED. ... why I own {$40.00}. Lady said during " Pending my pay off ''. fee charge {$40.00} more. 
This is real " SCAM " I gave them my debit and my routing, process went and they XXXX  took my money in no time. The lady ( PENFED. ) the manger will called me back in 2 hrs after I requested. I told her I gave her 4 hrs to call me back. I know this is scam, their manager will not call me back. And I was right. no one call me ask/from PENFED. for the whole day. 

" Pending my pay off ''. fee charge {$40.00} more. for that transaction. This so funny and cheap scam.
Consumer complaint received 2022-09-01
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. (CA)

I am a victim of identity theft and am being harassed by collection agencies constantly calling me. The following information is what i have found on my credit report that is not mine. 
XXXX XX/XX/2022 {$6100.00} XXXX XXXX XX/XX/2022 {$6100.00} XXXX XXXX XXXX XXXX XX/XX/2022 {$320.00} XXXX XXXX XX/XX/2022. {$320.00} XXXX XXXX XX/XX/2022. {$4500.00} XXXX  XX/XX/2022 {$650.00}
Consumer complaint received 2022-09-01
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. (TX)

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

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
Consumer complaint received 2022-02-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX closed my account after someone got password and tried to cash in fraudulent check. They said I would recieve my funds in my account, XXXX XXXX after a few weeks in a check. It has been months now and I have even continued receiving statements showing my money in account but I can't access account online or is card! I have no access to money they are holding hostage.
Consumer complaint received 2022-04-14
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

1

5 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
Consumer complaint received 2022-09-01
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. (TX)

In accordance with the fair credit report act conversion the following accounts XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX AND XXXX XXXX XXXX # XXXX are not being reported fairly and equitable and my consumer rights have been violated. The bureaus are not reporting 100 % accurate information on my credit report, late payments, account numbers, dates of last activity, account status and balances. 

The credit bureaus are in violation because of inaccurate, invalidated, and unverifiable reporting tactics, 15 USC 1681 section 602 A states I have the right to privacy, 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish your account without my written instructions. I have sent letters requesting them to verify the accuracy of these accounts.