davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BMO Bank, N.A. (WA)

I was charged by {$90.00} in Transaction Limit Fees on my account ending in -XXXX. There was {$75.00} charged on XX/XX/XXXX and {$15.00} more charged on XX/XX/2019. BMO Harris Bank claims that these fees were charged as per federal Schedule D regulations, due to making more than 6 transactions in a statement cycle. However, I was under the impression that the account ending in -XXXX is a checking account, and the Schedule D regulation only applies to savings accounts. 

The fact that this account is a checking account was confirmed when speaking with a representative when I opened my account, and to this date, the account still shows as a checking account in BMO Harris online banking. The bank 's fee schedule does show this fee for savings accounts, but not for checking accounts. 

I reached out to BMO Harris Bank customer service on XX/XX/2019 to discuss the fees and the representatives insisted that they could only offer me a refund for half of the fees but not for all of them. It is completely ridiculous since most of the transfers were less than {$1.00} test transfers and yet I was ultimately charged by {$45.00} in fees. 

I would kindly like to request that the remaining fees be reversed since this is a deceitful practice and the fees should not have been charged to begin with.
Consumer complaint received 2020-11-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MI)

I have been making payments totalling {$56000.00} on and off since 1993 on the original federal student loan amount of {$19000.00} with a 9 % interest rate. As of today my principal loan amount shows a balance of {$21000.00}. I have printed out my payment history and adding in all the capitalized interested, fees and other questionable maneuvers on top of the original principal with interests I show I have over paid my loan by {$14000.00} yet they show I still owe {$21000.00}!? When I speak with them they just offer a large monthly payment, nearly the size of my mortgage, that I can't afford, a income sensitive payment option which doesn't change the principal or a forbearance but they can't explain why I can't make any headway. I feel I will never get out of this loan. Please help!
Consumer complaint received 2021-08-12
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Outsource Group, Inc (IL)

REPEATED CALLS FROM THIS COMPANY SAYING THAT THEY ARE TRYING TO COLLECT A DEBT.. THAT THEY WERE TRYING TO COLLECT A DEBT THAT WAS WROTE OFF BY THE ORIGINAL CREDITOR WHICH THEY GOT A TAX BREAK ON SO NOW MEDICREDIT IS COMMITTING TAX FRAUD AND BREAKING HIPPA VIOLATIONS XXXX HAVING MY PRIVATE RECORDS ON FILE WITHOUT MY CONCENT
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

To whom it may concern, My rights as a federally protected consumer are being violated by XXXX XXXX, XXXX, Experian and XXXX by reporting a balance {$6400.00} on my monthly consumer credit report. XXXX XXXX  and the above consumer reporting agencies did not disclose information how to, or to give me opportunity to Opt Out before sharing or disclosing my personally identifiable financial information. 

Privacy Act of 1974 provides safeguards against unwarranted invasions of privacy by establishing a code of " fair information practices. '' 15 U.S.C. 1681 Congressional findings and statement of purpose ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy : It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

Nonpublic personal information : ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution.

16 CFR 313.3 Definitions ( o ) ( 1 ) Personally identifiable financial information means any information : ( B ) Account balance information, payment history, overdraft history, and credit or debit card purchase information. 

16 CFR 313.7 ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. 

Per FCRA 15 U.S. Code 6802, as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you, past, present, future, written, unwritten, verbal, and nonverbal, to disclose any account balance information.

Please remove the reporting of my account balance information. It is personally identifiable financial information. 


Thank you for your prompt attention to this matter
Consumer complaint received 2023-01-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IN)

On XX/XX/XXXX I received a phone call from chase stating I had suspicious activity of a wire transfer wanting to be set up. I stated no that wasnt me and the chase specialiststated we can do a recall process to reverse/ stop the transfer. I revived automated codes/ messages/emails/ stating from chase to give. XX/XX/XXXX I woke up to a notification stating my account is now negative. XX/XX/XXXX I called chase via the same number I was called from yesterday to report this and ask why did it go through if I said it wasnt me before hand. The specialist on the phone didnt give a good explanation nor told me it could have been a scam. So I was told it would have to be investigated and I would revive a letter in the mail to write my claim and send it back. I waited approx. 2 weeks for this letter and took it to the bank the same day I revived it. Called to check back up on my claim during another 2 weeks and no explanation or updated. Called chase again XX/XX/XXXX for any information and specialists said go to a chase branch and see what they can tell you. I did today and then was told after 30-45 minutes of investigation by a claims specialist for fraud l/ wire transfer that I was scammed and couldnt get my money back but yet theyre aware of the and situations information. Yet no one told me it was denied XX/XX/XXXX.
Consumer complaint received 2022-08-13
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: Experian Information Solutions Inc. (GA)

I have unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source :
Consumer complaint received 2017-09-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CA)

On XXXX XXXX, XXXX my student loan balance with Navient jumped from {$71000.00} to XXXX with no explanation. I believe there is either an error or they are charging me excessive fees.
Consumer complaint received 2023-03-23
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2020-10-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc (VA)

Bull City Financial has posted a number of inaccurate collection items on my credit reports. This collector has not made any effort to contact me nor have I received any correspondence from the collector regarding the stated debt owed. No information has been sent or provided by the medical provider either. I'm fairly confident this is breaching at least several financial standards and/or regulations designed to provide fairness and protection from such activities. Further, the debt was submitted to the State of Virginia and has been added to my tax liabilities for the last three years. Several thousand dollars has been deducted from my VA tax refunds and goes somewhere. Once again, I absolutely have no knowledge or information outside of the name of the provider - XXXX XXXX XXXX  XXXX XXXX or the debt collector mentioned here. Have disputed information added by Bull City Financial on a number of occasions with all three credit agencies, but the Credit Agencies keep reposting the collection items in favor of Bull City Financials. How is this a fair practice in relation to the consumer? I was never provided an opportunity to dispute nor request any information regarding any debts owed.
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX ) XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX ; XXXX  XX/XX/XXXX.
Consumer complaint received 2023-03-09
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. (LA)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate This is my accurate address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2020-10-28
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. (CO)

I paid off my home mortgage on XX/XX/XXXX. On that same day my credit score dropped by 56 points thru Experian. I have tried to call Experian to discuss this issue with them. I am looking at purchasing another home, but my credit rating has dropped which is pushing me into a higher APR.
Consumer complaint received 2017-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been going back and forth with Transunion about inquiries on my credit report that were not authorized. I was a victim of identity theft back in XX/XX/XXXX  Someone attempted to get a car in my name on XX/XX/XXXX as well as a XXXX card through XXXX XX/XX/XXXX and something through XXXX XXXX XX/XX/XXXX. The latest thing they applied for was XXXX XX/XX/XXXX. They are telling me I have to contact each individual creditor and have them write a letter stating they will remove them. I dont think I should be the one to do that if I was the VICTIM!! That is unfair to me!! 
Also I bought a carXX/XX/XXXX. I stepped into the dealership with a approval from XXXX XXXX auto financing. There was no need for the car dealership to run my credit!! They ran it anyway and I was hit with 10 inquiries ... why?? I didnt authorize them to run my credit. That was my whole reason for me finding my own financing!! 

Identity theft inquiries are as follows : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX Both XXXX and XXXX have removed said items and Transunion should follow suit. I have now placed a fraud alert on my ssn.
As far as me buying my car and having my own financing to where the car dealership did NOT need to run my credit these are the inquiries from them doing so without my authorization : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX This is so unfair to me!! I have called Transunion so many times and I keep getting told to  contact each individual company. Once again its not fair to me if I was the victim of identity theft!! And if XXXX and XXXX both deleted them why come Transunion wont?!!
Consumer complaint received 2017-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I tried yesterday and today to place a 90 day credit alert on Equifax 's website after their lax cybersecurity processes distributed my private information to hackers. Their website just does NOT work! It keeps saying they have a system problem. This is unacceptable. When can I become part of a class action lawsuit against Equifax? The XXXX and XXXX sites work fine.
Consumer complaint received 2020-11-27
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)

All XXXX in credit report has been legally discharged as paid infull for legally cognizable reason. Wherefore, should be mark as paid infull/discharged on credit report.
Consumer complaint received 2017-09-24
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (LA)

The collection account ( XXXX  - XXXX XXXX XXXX ) has  been disputed on many occasions due to negligence of a property managment and mishandling of personal information by the company in the time of stay the lease was legally terminated with all cost expunged. I have continued to dispute this error to get it removed from my credit file but it has been to no avail. I need this issue to be resolved
Consumer complaint received 2017-09-24
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Streamline Financial Group, Inc. (FL)

i already have a reverse mortgage and within the last 5 years married a wonderful woman and wanted to refinance the original mortgage to get my wife on rhe mortgage.what started out as a simple act became very difficult.after i paid {$120.00} to have a counselling session done i was told that i was in trouble with the refi because of some recent credit card problems of mine.they demanded medical records from me for a vehicle accident i had in 2016 that has caused my credit card problems now.i refused to give them any medical records and believe that to be a illegal request, they asked other questions about some timeshares i have when they they have no bearing on this mortgage.for the original reverse mortgage i have dutifully paid the taxes every year as well as up keep as well as house insurance without missing a beat.as i read reverse mortgage that is all that is needed.i will not jump thru any hoops that the laws says i do not have to do.
Consumer complaint received 2023-03-23
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. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. Kindly remove the following inaccurate items in my file as soon possible : 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
Consumer complaint received 2020-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute the following information in my file resulting from the crime because I am a victim of identity theft. I have listed the accounts I need to dispute on the attached copy of the report I received. The accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove these accounts at the earliest possible time.These accounts are erroneous and imprecise for I have not remembered having these accounts. Also, the information you provided on some accounts are different from other bureaus and I know that they are inaccurate and the reported payment history on some accounts are questionable to me. I have always been stellar in my payments. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the adverse information on the accounts be DELETED to correct the information. Please look into these matters and REMOVE the disputed accounts as soon as possible.
Consumer complaint received 2017-09-24
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. (FL)

On XXXX XXXX, XXXX XXXX XXXX XXXX reported a collection account on my credit. I contacted them and paid the balance in full on XXXX XXXX, XXXX. XXXX I noticed that the account remained open on my TransUnion report, so I filed a dispute indicating that I have paid my obligation and the results came back as Verified as accurate. I filed another dispute because I disagree with the results and that dispute came back with the same results. I contacted XXXX XXXX XXXX and was advised they had reported to all 3 bureaus that I paid in full and it should be removed or show closed. Then I contacted TransUnion and filed 3rd dispute. I was asked to submit a copy of my credit card statement that shows the date and the payment amount to XXXX XXXX XXXX. I just received a letter from TransUnion stating they will not be updating my account and that the information is accurate. I 'm now beyond frustrated because the other 2 bureaus have updated the information, but TransUnion refuses to update the information correctly, which is resulting in my credit score continuing to drop because of an account that had been paid off since XXXX. Its not fair because I paid my obligation and my score keeps falling because someone at TransUnion is not following proper guidelines.