davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BMO Bank, N.A. (IL)

I recently filed a complaint against BMO Harris Bank. I requested that they freeze my account and prevent any further activity. I also requested they send me my original signature cards, as in my previous claim, they alleged I was not the owner of the account. 
BMO has charged me over {$3000.00} in fees in the last XXXX months, even though I requested my account be frozen. In spite of this they have let transactions go through my account, which I let them know were unauthorized and no one from the bank has reached out to me in effort to resolve this. Below is my original request. 

I tried to conduct business on my business checking account months ago and was told that I had been removed as a signer by the other signer on the account. When I tried to resolve this matter in the branch, I was given resistance and subsequently told that I had been removed and could not be added back. 
Recently I received a letter from BMO stating that I had not in fact been removed from the account and was a current signer as I had been since the account was first opened. It befuddled me how such an error could occur. 
I would go to the branch trying to transact business and told I was not a signer and were not allowed to speak with me. I was also informed by an inside source at the bank, that negative comments were attached to my the account, in a roundabout way, stating I am a nuisance to the bank! 
After, being granted access again to review my account after several months, I was affronted to find my account negative summing nearly {$1000.00}, after several months of my access being denied, due to unauthorized transactions! 

First, I am requesting any negative comments regarding me be removed from this account, as it creates a poor customer service experience at the teller line as well as when working personal bankers. It 's an impediment on the overall morale of the customer relationship! Additionally, I am requesting that this account be frozen and a new business account be opened until we can resolve and get to the bottom of this negative balance. 

And due to a death in my family and a father with XXXX, I am unable to go into the branch, so your willingly to help me resolve this using technology is greatly appreciated. 

Please be advised that a copy of this will be forwarded to the Office of the Attorney General as well as the Consumer Financial Protection Bureau for closer scrutiny of this matter! 

Thank you!
Consumer complaint received 2021-05-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (PA)

I have contacted original devt holder disputing this charge however attempts to collect continue so I want to offer XXXX to settle debt and have company update with credit reporting bureaus to prevent financial problems due to my financial hardship.
Consumer complaint received 2020-05-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tower Loan of Mississippi, Inc. (AL)

I received a process of garnishment from XXXX XXXX for the company named XXXX XXXX XXXX XXXX. I had told them several times that I had got injured at work back on XX/XX/XXXX and had been off work since then. I had a XXXX XXXX  on XX/XX/XXXX and on Thursday I had this document delivered to me for garnishment. Several employees from this company have been to my place of residence and was aware of my condition. I just was released by the doctor to return to work on XX/XX/XXXX. The amount that this company is asking for is more than the contract amount that I received. I was given a loan in check form in the amount of {$2000.00} or it could be a few dollars more or less. I had been paying on this loan up until I was injured and I am trying to figure out how could he sue for {$2700.00} when I have indeed been paying on this loan before I became injured. It seems as if this loan company want money that I already paid towards the loan too. And I thought since the pandemic was going on companies are not able to collect on debt.
Consumer complaint received 2024-03-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Affirm Holdings, Inc (IN)

On XX/XX/XXXX I received an email with loan details and a repayment plan from the company Affirm for the loan amount of {$140.00}. I did not apply for, or inquire about, this loan. I called Affirm to discuss this and upon mentioning that this was fraudulent activity, they hung up on me. I then called and filed an XXXX XXXX XXXX with the Federal Trade Commission. The Federal Trade Commission informed me to file a complaint with the Consumer Finance Bureau to see if Affirm would respond via this process. 
I received an additional email on XX/XX/XXXX indicating that I have a payment for this loan due on XX/XX/XXXX.
Consumer complaint received 2024-03-05
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (AZ)

I have a care credit from Syncrhony which I only used for XXXX purposes. I was up to date on all payments but the last few months have been having issues with my bank account I used to pay the card. Never missed a payment but I would schedule extra payments and my bank would block them for some reason. Synchrony took this as missed payment even though my minimum payment was XXXX $ I dont have a payment due until XX/XX/XXXX. I tried ti pay the extra payment and it declined apparently when this happens twice they automatically close the account no explanation no attempting to tell me the payment method wasnt going through just instantly closed my account. I was not behind and was way on track to pay it off now my credit score dipped and this has negatively impacted my family. They told me there is nothing I can do and I cant get approved again,
Consumer complaint received 2021-05-19
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. (FL)

XXXX  did not delete fraudulent accounts that did not belong to me even after I filed a police report with the XXXX Police department, case number XXXX. After my own investigation and calling XXXX XXXX XXXX  department at XXXX XXXX XXXX XXXX XXXX those XXXX accounts did not belong to me. On a hunch, I looked into my husbands prior credit reports and bankruptcy filings XXXX XXXX XXXX and discovered that the XXXX XXXX account belonged to him which Ive never been a joint owner.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (OH)

XX/XX/XXXX INNOVIS ET ALL AND ALL AFFILIATES XXXX XXXX XXXX XXXX, GA XXXX I tried ordering my file from Innovis back in XXXX of XXXX. I am now OPTING OUT indefinitely from any and all reporting and intend on recouping for all Violations monetarily. 
Violations of the Privacy Act of 1974 which prohibit the disclosure of information from a system of records absent the written consent of the subject individual.

5USC552 includes my rights and your restrictions as it pertains to Privacy restrictions in Federal and Court documents. Ex Bankruptcy and Child Support.

15USC1681a ( 2 ) ( A ) ( i ) says that a Consumer Report does not include a report containing information solely as to transactions or experiences Between the consumer and person making report.

15USC681a ( 2 ) ( A ) ( ii ) says it doesnt include information among persons related by common ownership of affiliated by corporate control.

15USC1681s ( 2 ) ( a ) ( 7 ) and 12CFR1022.1 ( B ) ( 2 ) ( ii ) requires that I receive a notice, And given the opportunity to opt out or dispute and negative information before it is put on my report. I have never been given a notice with said information, nor permission to report.

12CFR1022.21 ( a ) says eligibility information can not be used unless consumer is provided a reasonable opportunity and a simple method to opt out and has not opted out.

12CFR1022.24 requires it to be by mail or email and by including a privacy notice.

12CFR1022.25 says that it does not include requiring that I the consumer have to write a letter, to call, or to write to obtain form, making it only able to opt out by paper mail, or by visiting another website without providing a link to the site. ( Your own website claims that I can not opt out, and also requires a written notice in order to attempt to do so ).

12 CFR 1022.22 ( 5 ) ( C ) says I may opt out at any time.

Per the FCRA as a federally protected Consumer, I am now Opting out Indefinitely out of any and all authorization that I the consumer may have given Knowing or unknowingly, written or verbal per 15 USC 6802. 12 CFR 1022.

15USC1681n ( b ) and 15 USC1681n ( 1 ) ( A ) allows for me to recoup damages from violations at {$1000.00} per Violation.
Consumer complaint received 2024-03-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (AZ)

Someone took a lease under my bank account information, such as routing number and account number. Chase has confirmed that my account has been compromised. I'm almost positive that my social security number is compromised as well. I have no idea how my information is being leaked. This is an reoccurring problem in multiple parts of my life.
Consumer complaint received 2024-03-01
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (TN)

I was at XXXX in XXXX Tennessee my cell phone was stolen by XXXX XXXX then he sold my XXXX and transferred my money from my cash app over to his cash app with any of my pass code or anything and cash app want give me any info on this only reason I found out what I have is because my card that was linked through XXXX money prepaid card said that this is what happened so I'm just out a XXXX XXXX XXXX XXXX XXXX  dollars and that's not all XXXX XXXX also sold over XXXX pre paid cards from me and he used them him and my niece her name is XXXX XXXX and they have gotten away with everything they have robbed me for I don't know what to do please help me thank XXXX XXXX
Consumer complaint received 2021-09-02
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. (MN)

The following XXXX  XXXX XXXX XXXX Credit Card Account : XXXX listed on my XXXX  and Experian credit report, is a fraudulent account, and the result of identity theft. I did not apply for the XXXX XXXX XXXX XXXX Account.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: OPORTUN FINANCIAL CORPORATION (TX)

Subject : Notice of Unauthorized Credit Reporting Violation and Demand for Compliance XXXX XXXX and Texas FCRA Identity Theft Fraud Laws Dear OPORTUNPROG, I am reaching out to address a concerning matter regarding the unauthorized reporting of information to my credit report, which is in direct violation of both federal and Texas state laws, including the Fair Credit Reporting Act ( FCRA ) and Texas Finance Code, as well as identity theft fraud laws, particularly Texas Penal Code Section 32.51.

It has been brought to my attention that OPORTUNPROG has engaged in unauthorized reporting to my credit report without securing my explicit consent. This action is a clear infringement of my rights as a consumer, as mandated by various sections of the FCRA, including Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ).

Moreover, Texas state law, as outlined in Sections 392.301 and 392.305 of the Texas Finance Code, emphasizes the importance of consumer consent in credit reporting activities and provides clear guidelines for fair reporting practices. Additionally, Texas Penal Code Section 32.51 underscores the severity of unauthorized access and misuse of personal information.

I wish to unequivocally state that I have not provided consent for OPORTUNPROG to report any information to my credit report. This lack of explicit permission constitutes a flagrant violation of my rights and could potentially harm my creditworthiness.

I demand, with utmost urgency, that OPORTUNPROG immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as required by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day timeframe will be considered willful noncompliance and may result in penalties under applicable laws, including identity theft fraud laws.

It is imperative to understand that obtaining consent is not optional but a legal obligation under the FCRA, Texas state law, and identity theft fraud laws. This is not a matter open for negotiation but a demand for compliance with both federal and state regulations aimed at safeguarding consumers like myself from unauthorized and damaging credit reporting practices.

I anticipate your immediate attention to this matter and expect that OPORTUNPROG will take swift action to rectify these egregious violations, thereby respecting my rights under federal and state laws.
Consumer complaint received 2021-05-19
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. (MD)

I have sent various letters to challenge the accuracy of Equifax reporting a XXXX XXXX. On XXXX XX/XX/XXXX they stated they verified the US Bankruptcy Court entry on XX/XX/XXXX. In my letter dated on XX/XX/XXXX I asked them to send me various information on who verified this entry especially when the US Bankruptcy Court has a memo that stated they are not responsible for verifying or validating information from consumers XXXX credit files. Please see the attached documentation.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (IL)

I reviewed my consumer reports and noticed that I have a late payment on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account that I have included the screenshot for inside this complaint in/on dates of 2022 Please investigate and provide proof with statements showing that this payment was late. If proof can not be provided, I demand the payment be updated to paid as agreed on time, as it should be because it, in fact, was never late. Please see the attached screenshot. Thanks in advance for your assistance.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ENCORE CAPITAL GROUP INC. (IL)

I am not liable for this debt with XXXX XXXX XXXX, I do not have a Midland Credit Management , INC . They did not provide me with the original contact as I requested. 

This account also has my incorrect name as well.
Consumer complaint received 2024-03-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

53rd Bank closed case # in bad faith. Despite multiple phone and email documentation about multiplle payment credit errors, including a XX/XX/XXXX principal only curtailment payment of {$1000.00} that was never credited to my payments for this horrific, unprofessional disaster of a bank ; XXXX XXXX " of the XXXX XXXX office '' then closed this complaint despite sending me a print out of my regular and extra curtailment payments without the promised explanation about why the bank did not credit my regular XX/XX/XXXX payment of {$570.00} appropriately, but instead randomly back credited the ACH payment to XX/XX/XXXX ; and still has not credit the {$1000.00} curtailment payment also made on XX/XX/XXXX via the same ACH to any date at all. Attached is the bank 's own " ledger '' of my payments which notes they received a {$1000.00} curtailment payment from me on XX/XX/XXXX ; but as of today - XX/XX/XXXX, has refused to acknowledge this error, and to appropriately credit my account. 

Given the long discussions by phone I have been forced to have with XXXX XXXX and a multitude of 53 customer service about the bank 's multiple errors, especially in regards to the XX/XX/XXXX regular and extra curtailment payment, there is zero possibility XXXX or the bank closed this complaint in good faith. Due to their continued incompetence to correctly. credit my {$1000.00} XX/XX/XXXX curtailment payment, the bank also overcharged me for the interest applied/reapplied due to their errors, and is continuing to require extra time and extra dilligence from me to get them to correct at best their continued incompetence, but at this stage, more likely gross negligence or outright theft : Please note from their own statements my XX/XX/XXXX total payments. Then review the inaccurate ledger accounting XXXX XXXX sent to you and to me to " close this complaint '' - but has still failed to appropriately credit the XX/XX/XXXX {$1000.00} curtailment- on any date, any where. 

I have lost significant work and personal time dealing with 53rd 's incompetence/now gross negligence ; continue to be mischarged interest/have principal payments correctly credited. 

XXXX XXXX said 53rd 's legal department would sign off the accounting and resolution she sent you and me. That accounting/ledger is still not correct. WHY? 





I
Consumer complaint received 2022-10-05
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. (FL)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-05-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

XXXX, XXXX, and XXXX continues to report an account without my consent. According to USC 1681 ( b ) a consumer reporting agency can only furnish something in accordance with the written instruction of the consumer to whom it relates.

1. Portfolio RC XX/XX/19
Consumer complaint received 2021-05-19
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: EQUIFAX, INC. (FL)

I suibmitted a dispute to Equifax on XXXX, they have failed to respond to my letters sent to them, and I am now demanding a full investigation. I am attaching the letter I sent on XXXX to them.
Consumer complaint received 2021-05-19
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: Resurgent Capital Services L.P. (FL)

To Whom It May Concern : I formally request that the following inaccurate items be immediately. 
REMOVED I have provided you all document of the illegality. 
OF THESE FRAUDELENT ACCOUNT XXXX # XXXX. 
RESURGENT/LVNV FUNDING # XXXX 
XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2024-03-03
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX, I received a phone call from American Express that my account was being cancelled? I asked them why and the agent from AMEX XXXX XXXX stated that another account that I was on had failed to maintain its obligations. I stated that my card was not linked to the account that failed to pay. She informed me that it was, and my personal account was cancelled along with the business account that I've had no connection to since XXXX. I was removed from the account that has been diligent by AMEX in XXXX and I have a confirming text stating that I am not personally responsible for the balance this account. 

I have never been late or missed any payments with AMEX on my personal account or any other account that I have control over. 

I have seen a side of AMEX that has changed my opinion of them, soon after the notice I started receiving phone calls and emails daily looking for payment even though the payment was not due. I haven't even received a statement so a could confirm purchases and balance. Also, AMEX would not honor the points earned after years of doing business. AMEX harassed be daily.
Consumer complaint received 2024-03-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Management Holdings, LLC (GA)

This Company CREDIT MANAGEMENT COMPANY Is Not Licensed & Bonded In The State Of Georgia To Collect Any Alleged Debt From Me This Is Against The Law. This Account Needs To Be Removed From My Credit Report Or I Will Have No Choice But To Pursue Further Action On This Violation. I've Contacted The Debt Collector An Asked For Proof Of The Alleged Debt Specifically The Alleged Original Application Bearing My Liquid Signature & They Have Not Been Able To Provide Such Proof To Me Therefore You Are Reporting Misleading & False Accounts. Under 15 U.S. Code 1692d- Harassment And Abuse I Have Been Harassed And I Now Have Trauma & This Account is In Violation. Under 15 U.S.C 1681i ( 7 ) Method Of Verification This Account Is In Violation It Was Reported Without Valid Evidence. 1.Pursuant to 15 U.S. Code 1692c ( c ) I a consumer in fact am hereby notifying you CREDIT MANAGEMENT COMPANY that I refuse to pay the alleged debt you are claiming I owe, and I DEMAND you cease & desist all further communication in compliance with this law ; 2. Take further notice that Pursuant to 15 U.S. Code 1692c ( c ) ( 2 ) I the consumer and creditor in fact am invoking the specified remedies available in this subchapter if you attempt to communicate, collect, and report to the bureaus false and misleading information ;