davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BMO Bank, N.A. (MN)

On XX/XX/XXXX, I applied for {$50.00}, XXXX business line of credit designed for XXXX  businesses at BMO Harris Bank located at : XXXX XXXX XXXX XXXX XXXX, MN XXXX. My company ; XXXX XXXX XXXX, has been in business in the State of Minnesota since XXXX. I was told by the branch manager ; XXXX XXXX, that the minimum credit requirement for this line of credit is XXXX, as long as that hold true, and the company is majority owned by XXXX, we should not be worried at all. In addition, I was told that we have to open a business account with a minimum of {$5000.00} and in return, BMO will reward us {$500.00} in the next 90 days so long we maintained that {$5000.00} balance on the business account. In fact, not do I met the minimum credit requirement of XXXX, my personal credit score with XXXX was XXXX at the time of the pull. 
I was in for a rude awaking on XX/XX/XXXX, I was told that my company has been denied due to the fact that the company 's EIN was not listed on my personal Schedule-C personal taxes returns for XXXX & XXXX fillings!! This was a shock to me as I am in the financial/lending industry and we know many single owned entity enterprises use either the owner 's SSN or the company 's EIN on the personal Schedule-C tax fillings. More Importantly, BMO Harris was out compliance for the date of the application ; XX/XX/XXXX and the date disclosure ; XX/XX/XXXX. 
Not only do I believe my company has denied for wrong reason, but also this has cost me 18 points reduction on my personal credit score with XXXX which BMO Harris is refusing to remove credit inquiry.

BMO Harris Bank not only are advertising this Business line of credit for minority, I they're disclosing it wrongly and their practice is deceiving the same people it supposed to help. I hope the regulators should take a look at it. 
Thank you Sincerely, XXXX XXXX
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I was a victim of identity theft my phone number, cards social security number and other things was solid to someone on the dark web and I was a victim of security breach with reporting agency. I filed a report with the federal trade commission and let the credit bureaus and credit card company XXXX know and attached the report to my dispute. all but Experian has not removed the cbna account from my report. I filed disputes attaching the FTC identity theft report and still its not been removed from Experian
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission, and the latter was truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2020-04-19
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EdFinancial Services (TN)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Consumer complaint received 2021-04-06
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: Experian Information Solutions Inc. (MI)

Since XX/XX/XXXX I've consistently with both the Company & Experian tried to dispute the continuous inaccuries that appear monthly on my credit report. 
I've called and had them served by Certified Letter in regards to them not including my monthly payment amounts as agreed upon with the Magistrate and also the amount that I have paid weekly or monthly in total since they only report once. 

It shows up as XXXX Dollars paid & doesnt show the Monthly agreed upon amount as recorded by the courts. This has tarnished and damage my reputation in regards to being able to obtain credit. Experian just told me today XX/XX/XXXX that they have not not tried to verify any of my inaccuracy claims since XX/XX/XXXX from the data furnisher. I've paid consistently on time and ahead as indicated by the reports showing one month behind which is only due to covid and a delay in my unemployment payments. This in my opinion is not a difficult request and it is also mandated by federal law. The XXXX XXXX XXXX XXXX & Experian has failed & refused to honor my Request My Rights Under the Fair Credit Reporting Act : 1. ) You have a right to dispute incomplete or inaccurate information in your report. 
2. ) Credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information.

3. ) Reporting agencies must not disseminate outdated negative information. 

I recently had a XXXX  which completely wiped my family out XX/XX/XXXX & The Pandemic hit less than 3 weeks later this disparity economically devastated us as I looked for permanent shelter. Of course due to state mandated lockdowns I've been unable to reach someone or visit the courts, therefore I send Certified Mail of this violation of my federal rights under the FCRA. I am at wits end over this and frustrated beyond belief. I cant show a lender what is required and agreed upon by law and whats been paid on a week by week or monthly basis. 

News Store over our fire ( XXXX XXXX XXXX ) This can no longer continue either they must report accurately under the guidelines or delete the inaccurate entries at once.At this point I would like for it to be deleted altogether because they have show to be incapable of doing the right thing in regard to furnishing adequate information in a timely & responsible manner.
Consumer complaint received 2021-08-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIRSTBANK PUERTO RICO (RI)

Hello, I could use some help with closing this account which belonged to my father, XXXX XXXX. He passed away XX/XX/XXXX. I have provided all necessary documents to this bank and everytime I call I get told to email them again or to visit the local branch where the account was opened. I am not able to visit the local branch as it is located in XXXX XXXX, XXXX XXXX. I am in Rhode Island. 

I have all the necessary documents - Death Cert, Declaration of Heirs, and the Relelvo de Hacienda. I forwarded these documents to Firstbank using this email address : XXXX today, XX/XX/XXXX. 

Please help me in resolving this matter. I have been getting nothing but the run around from everyone I talk to at this bank and I'm worried that there may be some malfeasance of deceased account holder funds.
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair Credit Reporting Act XXXX  these accounts listed above 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 statees a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-04-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (CA)

Starting in XX/XX/XXXX, I began disputing a XXXX XXXX/Citibank Credit Card account with the credit bureaus. This account was fraudulently opened using my personal information. All required documentation was provided, including my FTC report and a copy of my ID to validate my personal information including my address. The CRA 's immediately blocked this fraudulent account and provided all information to XXXX XXXXCitibank per my request. XXXX  XXXX/Citibank sent me a letter on XX/XX/XXXX confirming they were investigating everything, and on XX/XX/XXXX they sent another letter confirming their investigation was complete and they concluded I am still responsible for the account. No documentation was provided. 
On XX/XX/XXXX I received a letter from XXXX XXXX/Citibank, stating that my account was at risk of being referred to a collection agency. 

On XX/XX/XXXX I sent a letter to XXXX XXXX/Citibank requesting reinvestigation, and reiterated that I am a victim of identity theft and requested all specific records and documentation from their investigation pursuant to Section 609 ( e ) of the Fair Credit Reporting Act. I made sure to include all required documentation to support my claim for identity theft, including 1. A copy of my drivers license & social security card 2. A completed and signed FTC Identity Theft Report. 

XXXX  XXXX/Citibank wrote back on XX/XX/XXXX with the exact same letter as what was sent on XX/XX/XXXX. Absolutely zero changes made, and no further documentation was provided. 

As of XX/XX/XXXX, I received my first communication from a debt collection agency named XXXX XXXX XXXX XXXX. This agency made claim that the XXXX XXXX/Citibank credit card account was referred to them. 

The actions taken and NOT taken by XXXX XXXXCitibank are a serious violation of the law. As a victim of Identity theft the law clearly states that once the proper documentation was provided to XXXX XXXXCitibank they are NOT supposed to sell or charge off the account. They did it anyway. AND they failed to provide ANY documentation in any of their communications to me to substantiate their investigation. Instead they provided their insight on what they think really happened when they KNOW that is NOT what the law requires them to do.
Consumer complaint received 2017-09-19
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. (CA)

I have had an account with XXXX XXXX that started in XX/XX/XXXX. I made a payment on XX/XX/XXXX confirmation # XXXX and they never took the money out of my account and then hit my credit with a late mark. 

I have attached a letter from my bank stating that they never tried to take money out of my account in XX/XX/XXXX and that my bank never declined a payment to XXXX XXXX. I never changed account numbers or anything and I made payment from the same account I have saved online. 

This error is not on my part, it is on XXXX online system  and I feel it is unfair to hit my credit when it is a mistake on their part. Please remove this mark from my credit immediately.
Consumer complaint received 2021-04-27
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 — Was not notified of investigation status or results
Company: TD BANK US HOLDING COMPANY (AZ)

I am writing this petition due to a 30-day late payment for XX/XX/XXXX showing on my credit reports. Upon review of my records, I realize that I did indeed miss the payment deadline. However, it unfortunately appears that I did not receive a billing statement notification to alert me to a debt owed & due date ( which I was not aware of ). I take great pride with ensuring all my debt obligations are paid on time as your records will show I have had my account with Target since XXXX with perfect, on time payments up until this missed billing. 


I am in the process of applying for a home loan and the negative impact of the late payment could result in a denial of my loan due to the XXXX FICO point drop to my scores since the missed payment was reported to the bureaus. I am requesting ( begging XXXX a goodwill adjustment to remove the XX/XX/XXXX 30-day late payment from my XXXX XXXX and XXXX  credit reports as the correction will allow me to proceed with the home loan for my family. Given the global pandemic of XXXX and the ramifications of that, it is my hope that Target will have empathy at this time and restore my good credit standing with the bureaus.
Consumer complaint received 2018-07-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TENET HEALTHCARE CORPORATION (FL)

My unpaid medical debt owed to XXXX  XXXX Hospital of XXXX XXXX XXXX, FL for services provided for the birth of my son dated XX/XX/XXXX, showed up on my credit report XX/XX/XXXX. 

This is an exact example as to the information I was provided about the mentioned debt shown on my credit report dated XX/XX/XXXX. 

Account Details Last Reported - XX/XX/XXXX Collection Agency : XXXX XXXX XXXX   Original Creditor : XXXX  XXXX MEDICAL CENTER Status : Open Opened Date : XX/XX/XXXX Closed Date : Responsibility : Individual Account. 
Balance : {$1200.00} High Balance : {$1200.00} Remarks : MedicalCollection Agency : XXXX XXXX XXXX  I paid the balance of {$1200.00} in full in XX/XX/XXXX and never received notification/proof of payment. This debt was removed from my credit report on XX/XX/XXXX which is proof that I settled my debt with them. Now, two and a half years after my service date, XXXX XXXX Medical Center is claiming that this balance was never paid by XXXX XXXX XXXX and/or communicated with them that I in fact paid my balance in full. They are trying to bill my again for a balance that I already settled with this collection agency.
Consumer complaint received 2021-04-27
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. (MA)

Hi and how are you doing? Although I appreciate XXXX XXXX getting back to me in regards to my previous dispute for a negative item or charge-off account reporting, but their investigation did not resolve my underlying issue. It's impossible that you verified this account because it continues to report the same errors, inconsistencies, with multiple inaccuracies, and different dates of last active and different dates of last payment. You mentioned that you sold my account back in XX/XX/2016 to a XXXX XXXX XXXX - a debt buyer, but no way on my account is showed that it was sold or transferred to them. I believe under the fcra guidelines if the account was sold/transferred it needs to show on my credit report so I can resolve it directly with them. You failed to conduct a reasonable and truthful investigation because it continues to report the same errors and violations as before i disputed.
Consumer complaint received 2021-08-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MO)

On XX/XX/XXXX PayPal has put a hold on my account with a positive balance of {$280.00} USD. 

A XXXX  of mine XXXX accidently sent me a double payment of {$380.00}. The first payment from XXXX made on XX/XX/XXXX was put on hold after I was cleared of the new seller status and Paypal advised that no other payments would go on hold. However this payment was put on hold so Paypal advised that I tell XXXX to do click " confirm delivery '' in the activity section of the payment. 

I tried to explain this to XXXX twice but again there's a language barrier. I sent XXXX a paypal link on how to complete the steps and she some how manage to send the payment again. Paypal then puts that payment on hold and then puts my ENTIRE account on hold. 

I called customer service to have the hold lifted since it was an accident, could provide proof and refunded the customer. The rep then tells me to upload my ID, I told her " no '' and that I shouldn't have to jump through hoops for something that was an accident on the buyer 's part. 

The rep puts me on hold and then comes back saying there's another account of mine ( it's not ) that owes money and until I resolve that, they will not release my {$280.00}. I spoke to another rep and she said the account hold was BECAUSE I owed money. It was then verified that the " account step to resolution '' wasn't added to me account until TWO HOURS afterwards. Which the second rep said is " weird '' and if my account was locked because I owed money, that would be there first. 

The first rep also argued stating that I had to upload my ID because my account was " new ''. My account is no longer new and was reviewed per Paypal 's policy at 90 days and I was removed from the new account status. 

I just want my money released back to me, I have nothing to do with that other account.
Consumer complaint received 2020-10-23
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

remove the address not mine XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX  XXXX, TX, XXXX XXXX XXXX XXXX, TX, XXXX
Consumer complaint received 2019-03-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Armada Corp. (WA)

Went to The XXXX XXXX for a routine medical appointment early XX/XX/2018. Never received any letters from them or Armada Corp prior to them sending me to collections. I only went once, however Armada Corp divided the bill into 7 accounts, making it look like I have 7 claims against me. But most importantly the bill is only for {$170.00} and some cents, but Armada Corp is wanting me to pay {$270.00}. I spoken to a few representatives at Armada Corp but they all refuse to go down to the original bill. I am willing to pay the {$170.00} and some cents, but feel the {$270.00} is unfair and too extreme in collection fees. Also, I wish The XXXX XXXX contacted me first before placing in collections. I spoken to a representative from The XXXX XXXX as well, but they too did not understand why it went straight to collections. I requested for a rep to contact me from The XXXX XXXX to apply for charity care or some assistance based on income, however The XXXX XXXX never mailed me an application.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (TX)

Destiny card services and indigo card services are violating 15 U.S code 1666b and reporting information that is not considered lawful credit transactions history and is causing damage to the estate and credit worthiness
Consumer complaint received 2019-03-08
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. (TN)

I have reported fraudulent use of my identity that was used to open a XXXX account in XX/XX/2017. I have not had a XXXX phone account in over 14 years. The account was only open for a month from what I see and we had XXXX XXXX phones for years. I have attempted to dispute this with XXXX as well. I am trying to build my credit up but none of the credit bureaus are helping me to get negative Marks off when they need not be there.
Consumer complaint received 2019-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Both TransUnion and XXXX are reporting inaccurate information regarding 2 credit card accounts. XXXX XXXX XXXX and XXXX XXXX XXXX. 

In XXXX of 2017 my home was burglarized and several credit cards were reported stolen. At the time of the burglary I did not have the balances that are showing in collections as indicated on both credit reports for the above listed accounts. These cards were used by the thieves before they were cancelled. Each company only covered a small amount of the charges that were not made by me. I was also informed that there was insurance on both accounts that covered the additional amounts. 

I have attempted several times to have this corrected and neither collection company will provide me with where they are receiving information from nor how they are validating the information. Furthermore, one of the 2 original creditors has since granted me a new line of credit which is good standing. 

The collection companies are : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX My complaint is with all of the above. TransUnion and XXXX  for reporting the information from the 2 collection agencies that is inaccurate and erroneous. These 2 entries are having a severely negative impact on my credit reports and neither of the 2 collection agencies will respond. Go figure, 2 collection agencies will not communicate with me but are still reporting incorrect negative information. 

Please help ... I am so over this ... My attempt to secure a mortgage for a house failed because of this non sense.