davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (MA)

On XX/XX/XXXX, I opened XXXX accounts, the XXXX XXXX XXXX  and the XXXX XXXX XXXX XXXX, with BMO through their website ( Accounts and account number shown as Attachment XXXX and XXXX ). I followed the instructions and proceeded to transfer the initial deposits into the accounts. Using my XXXX account detailsspecifically the routing number and account numberI made XXXX  distinct transactions : a {$25.00} deposit into the XXXX XXXX account and a {$25000.00} deposit into the XXXX XXXX XXXX XXXX account through the BMO website ( Transaction in XXXX shown as Attachment XXXX ). However, on XX/XX/XXXX, I received notifications from BMO stating they encountered difficulties funding my newly opened accounts and decided to refund ( Email from BMO shown as Attachment XXXX ). However, I only received the {$25.00} deposit reflected in my XXXX account. The {$25000.00} intended for the XXXX XXXX XXXX XXXX account did not appear. Despite numerous attempts to resolve this issue by contacting BMO, I have not received a satisfactory resolution. After submitting a complaint in CFPB to BMO, I finally received their response on XX/XX/XXXX. BMO informed me that their vendor, XXXX, holds the funds, and they advised that XXXXXXXX XXXX ACH department should request a debit return ( Response from BMO shown as Attachment XXXX ). 

Following a complaint filed with the CFPB against XXXX on XX/XX/XXXX, I received a response from XXXX today stating that their records reflect that the transfer of {$25000.00} was sent to BMO on XX/XX/XXXX ( Response from XXXX shown as Attachment XXXX ). And XXXX has advised me to contact BMO at XXXX to inquire about my funds using trace # XXXX to help aid in a resolution with BMO. 

As of XX/XX/XXXX, until the present date of XX/XX/XXXX, BMO has unlawfully withheld my funds totaling {$25000.00} for over XXXX months. BMO must return the funds promptly and compensate for losses, including XXXX months ' interest and effort expended.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (CA)

I RECENTLY PULLED MY CREDIT REPORT FROM XXXX, XXXX, AND XXXX AND TO MY AMAZEMENT, SAW THAT THERE IS A FRAUDULENT ACCOUNT BEING REPORTED IN MY CREDIT FILE. I AM A VICTIM OF IDENTITY THEFT AND I HAVE NO KNOWLEDGE WHO OPENED THIS FRAUDULENT CREDIT CARD UNDER MY NAME. THIS IS A FRAUDULENT CREDIT CARD. THE FAIR CREDIT REPORTING ACT REQUIRES THE CREDIT BUREAUS AND CREDITORS TO BLOCK AND DELETE THE FRAUDULENT INFORMATION FROM THE CREDIT REPORTS WITHIN FOUR BUSINESS DAYS. XXXX CREDIT BUREAU REFUSED TO BLOCK AND DELETE THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT.
Consumer complaint received 2022-06-17
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. (AZ)

just XX/XX/XXXX i filed a dispute on a item i have no written instructions with any accounts on my credit profile, one in particular was deleted and resinserted the same day causing extreme harm to my credit report. i contacted XXXX  and the creditor they just ask or payment and do not follow the law. i have massive violations that is keeping me from obtaining housing my family and i hve to leave this XXXX  in 45 days an i can not acquire housing due to massive improper reporting. these items are in well over XXXX in violations just on 1 account i have found several account in all which are reporting negative should be deleted immediatley. cfpb my rights have been violated, im seeking immediates relief on all my reports. 

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 states : a consumer reporting agency can not furnish a account with out my written instrutions. 
also the credit bureaus took more than 30 days. 
i also was not notified with in 5 days of many disputes on my profile i have several different amounts from account on my profiles which need to be removed and inquiries off of my XXXX  report as well. these things are more violation as well as improper names on XXXX XXXX should be listed only only address is XXXX XXXX XXXX XXXX XXXX XXXX nothing else. these items on my credit report have severly damaged my life prevent me to acquire housing al the u.s.c codes that have been broken is ridiculous. i have reached out mutiple times on accounts and they just want payment not follow the law. i would like monetary action and or immediate removal of each negative account as follows equifax has 8 addresses and a southwest job listed with out my permission and multiple names should only be XXXX XXXX no middle XXXX  reporting jobs inaccurately. 
my entire account profiles do not match as they should from all three bureaus XXXX  reporting a balance of XXXX equifax reporting a balace of XXXX XXXX  reporting balance of XXXX XXXX  has 11 inquiries that should be removed there is a bankruptcy listed on all three that should be removed. 

i have the following accounts on all three reports that need to be deleted XXXX XXXX  # XXXX on all three reports {$20.00} collection : : : XXXX XXXX XXXX # XXXX on all three reports {$880.00} XXXX XXXX  # XXXX is reporting open when its closed and also reported several late pays, remove this account immediately plus amount is incurrate {$660.00} XXXX XXXX # XXXX {$480.00} XX/XX/XXXX XXXX XXXX # XXXX {$460.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$3700.00} XX/XX/XXXX XXXX XXXX # XXXX {$2600.00} XX/XX/XXXX XXXX XXXX # XXXX {$940.00} XX/XX/XXXX bankruptcy XXXX please investigate all these items and delete
Consumer complaint received 2017-01-18
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: MOHELA (CA)

My federal student loan is serviced by MOHELA. Six months ago, I requested a forbearance because of unemployment. The process entailed filling out and submitting XXXX forms along with documentation of unemployment. I did so, and my request was denied. MOHELA wanted a different more documentation. I initially had trouble getting additional documentation, but eventually downloaded from the website of the Texas Workforce Commission ( TWC ) a Payment List Summary. This summary contains information about when and how much I was paid in unemployment benefits. It also indicated that I had received the maximum amount, and that was ineligible to receive additional benefits. XX/XX/XXXX, MOHELA informed me that my request was denied because I had not submitted the documentation with the XXXX forms. 

I submitted a new request XX/XX/XXXX with the XXXX forms and the documentation from TWC. On XX/XX/XXXX, I was informed by MOHELA that my request was denied because TWC document was not recent enough. When I called, I was told that I would also have to register with MOHELA 's Career Services. 

This pattern indicates to me that MOHELA is unwilling to approve my forbearance. If that 's the case, then I will be very frustrated and puzzled because I have continued to make payments despite being unemployed since XX/XX/XXXX. I have used my retirement funds to meet financial obligations while I have diligently sought employment. At this point, I would like help in trying to resolve this matter with MOHELA.
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XXXX XX/XX/2022 this issued was removed from my credit by Capitol One the remarks were removed after a dispute was filed with XXXX .After calling to discuss a account that was fraudulently being connected to my SS #. The old remarks were once again attacking my score and causing it to drop XXXX points. I find this very alarming to think that they could falsely attack a persons credit score by using such tactic. The address they have are wrong and don't match with the dates of residents.
Consumer complaint received 2022-06-17
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. (CA)

In accordance with the Fair Credit Reporting Act. The following account is violating my rights. 
XXXX  XXXX. Reported : XXXX. Balance : {$2800.00} 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 an account without my written authorization.
Consumer complaint received 2022-06-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlanticus Services Corporation (MD)

I am a victim of identity theft. Someone has been getting credit in my name with very little information about me and have been able to get approvals due to my excellent credit rating. As a result, my information is also getting mixed up with someone else 's information. 

The companies are as follows : FortivaXXXX. Amount owed : {$0.00} US Dept of ED. {$1200.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX  {$92.00} XXXX XXXX  {$120.00} Inquiries : XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : 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 Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX
Consumer complaint received 2024-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ARVEST BANK GROUP, INC. (OK)

XX/XX/24 I was visiting XXXX and had XXXX credit cards with attempted fraud charges which were declined fortunately by the credit card companies. 
XX/XX/24 I checked my online banking and saw a pending charge on my checking account via by debit card for {$1100.00}. I called Arvest and reported that their was a pending debit that I had not authorized. I was told that I would have to wait until the debit was processed and then file a claim. I had moved some $ from my savings into the checking account because I had pending regular payments from that account and the fraud charge made my account in the red. Unfortunately, I should have left it that way. 
I was in possession of my card and had only used it at a debit machine. The rest of the time it was in a XXXX wallet. 
XXXX I went to XXXX Arvest and filed a claim. 
XXXX Letter dated from Arvest declined my claim because it said that the card was present or security features were used to authorize the charge. 
XX/XX/24 ( I think ) I went to XXXX Arvest and spoke with XXXX. She resubmitted the claim. She told me that the same criminal had tried to charge another {$1100.00} on my debit card the same day as the first time, but was declined due to insufficient funds. 
XXXX Letter dated from Arvest again declining the claim. 
XXXX I called Arvest XXXX and spoke with XXXX ( XXXX ). She told me that there was nothing else Arvest could do.

I explained that my credit cards were hacked the same day, but Arvest can not do anything else.
Consumer complaint received 2024-03-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (AZ)

I purchased a XXXX XXXX XXXX XXXX on XX/XX/XXXX for XXXX Ive paid my payments on time but thier keep sending me extra late interest payments fees that I have no knowledge of.The balance of this vehicle as of XX/XX/XXXX is for XXXX or more which is fraudulent charges and false statements.
Consumer complaint received 2024-03-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (IL)

CitiBank says we made purchases of {$1000.00} each on XXXX XXXX and XXXX XXXX, 2024 from XXXX. We are the victims of identity theft and are disputing both charges. We have never shopped at Home Depot and don't have any of their stores near our city. We attempted to contact them but received no response.
Consumer complaint received 2022-06-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX : Account # XXXX, has violated my rights. 
This company continues to report a 30 day late payment to Experian, XXXX XXXX XXXX from XXXX of 2018. 

My account was reported closed in XXXX of 2018 through XXXX XXXX XXXX. I sold this car in XXXX of 2018. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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. I never gave these written instructions. & also.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.
Consumer complaint received 2024-03-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NJ)

AS OF XX/XX/XXXX THE XXXX XXXX HAS NOT RECEIVED THE HHL HOLD HARMLESS LETTER THAT THE CHASE BANK SAID WAS EMAILED TO THEM ON " XX/XX/XXXX '' FROM THE CHASE EXECUTIVE OFFICE. 

Please email HHL to XXXX and cc XXXX XXXX, the branch manager of XXXX XXXX XXXX and cc me XXXX. If ccing is not possible, please provide other proofs of the successful delivery. 

Please provide an email or phone for XXXX XXXX to contact Chase to resolve this. 

" AS OF XXXX XXXX XXXX THE XXXX XXXX HAS NOT RECEIVED THE ( HHL ) " HOLD HARMLESS LETTER '' THAT CHASE BANK PROMISED TO SENT IN XXXX. XXXX XXXX stated to me you can send it by email at - XXXX and can also fax it to them at - XXXX XXXX. I would also like to receive a copy of the HHL at email - XXXX. '' " I was the victim of a scam and coerced into wiring {$210000.00} from my Chase bank account on XX/XX/XXXX. I realized I was scammed and reported the fraud to both Chase bank and the beneficiary bank, XXXX XXXX XXXX XXXX never released the money to the scammer after I reported the fraudulent activities. XXXX XXXX said they would return the funds to my Chase account once a " Hold Harmless Letter '' was received from Chase Bank. I contacted Chase bank more than six times both via written secure messages on the Chase online account, verbally via phone and in person at branches. The Chase Customer Service reps claimed the Hold Harmless was sent to XXXX multiple times. On XX/XX/XXXX Chase notified me they had closed the case and didn't mention anything about my previous communications with them, nor the Hold Harmless letter they promised to provide. My {$210000.00} is still held in XXXX XXXX  and waiting for the Hold Harmless Letter from Chase bank to return to my account at Chase bank. ''
Consumer complaint received 2024-03-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (IL)

Billed on XX/XX/XXXX for {$79.00} from " XXXX '', a form of XXXX  insurance which was supposed to be a XXXX TIME only charge from back in XX/XX/XXXX. They charged me again in XXXX XXXX without consent. Filed a dispute with American Express, which was decided in XXXX 's favor. Wrote directly to XXXX twice complaining about this, only to receive " canned '' emails back stating it will take them XXXX to do anything. Not acceptable.
Consumer complaint received 2022-06-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (MI)

I submitted my employer certification form for the limited XXXX XXXX XXXX XXXX waiver in XX/XX/XXXX, to FedLoan Servicing. I received verification from FedLoan in XX/XX/XXXX ( attached ) saying they still needed more time to verify whether I was eligible. I have heard nothing since then. The XXXX letter does not even say how much longer they will need or why they need more time. It has been SEVEN MONTHS now from when I submitted my application and I have yet to receive any substantive communication about whether I qualify, how many qualifying payments I have made, or how close I might be to actual forgiveness. With FedLoan now exiting the servicing business, I am not sure if I will ever get a reply before the PSLF waiver expires in XXXX, or if I will be able to rectify any errors on their part if they don't get back to me soon. 

Have they lost my paperwork? Are they ever going to respond? Calling them does not help and there is no where else to turn. It is very upsetting that there is no way to hold servicers accountable for administering vital, and time-sensitive, government programs like the limited PSLF waiver XXXX and this might mean that I miss out on loan forgiveness that I have worked for and earned, due to servicer error and ineptitude - AGAIN.
Consumer complaint received 2021-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Social Finance, Inc. (NJ)

I didnt get any help during the pandemic I request payment deferral as the Congress law requirements and they didnt help me and they report all my late payments on 2020. Right now I have all my accounts current but Im getting affected because they report all late payments violating congress law about payment deferral as this situation happens I need all that 2020 late payments remove as soon as possible
Consumer complaint received 2020-11-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (FL)

Today is XX/XX/XXXX. I had a XXXX credit card years ago and paid it off in XXXX of XXXX through another agency. I have all my paperwork to prove it. Six years later I am getting a notice saying I owe {$4300.00} but I can settle for {$2100.00}. When i call this suspicious company called Convergent, they put me on hold and then hang up. Cant reach an actual person. Seems like a scam to me. Convergent Outsourcing Inc, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX WA XXXX. XXXX.
Consumer complaint received 2022-06-17
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (IN)

Synchrony Bank ( operating as JC Penney Credit Services ) reduced my credit limit by 62 % for a payment not made within 8 days of statement. I could understand if they did this after 30 days, but it's been 8 days... EIGHT days. This is a breach of the contract I signed with this company. Their " Account Manager '' on a recorded call refused to explain why, giving lip service such as " your 8 day late payment prompted a a review of your account ''. I've had credit for 15 years - NEVER ONCE has a company ever committed such blatant disservice to a LOYAL PAYING CUSTOMER. I could also understand if I had " bad payment history '' but I do not. Going far back as when I opened the account initially a few years ago, I always have made my payments each month. From time to time I may have had to pay a couple weeks late waiting for a paycheck to hit my bank, but have ALWAYS accepted and paid the late fee without question. Never has my account ever with this company gone 30 days past due. 

To treat a customer in good standing like this, and then to give some lip service about the decision being made to reduce it based on other factors when I have NOT applied for new credit with them, nor have I requested a credit line increase is blatant BAD BUSINESS PRACTICE. This company should be ashamed, and frankly this treads into legal waters which they have clearly not taken into account.
Consumer complaint received 2021-11-04
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. (PA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2024-03-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (VA)

I used paypal to send money for a purchase and was tricked into using XXXX XXXX XXXX the seller then blocked me and didnt send the things i ordered. I opened a claim with paypal and they refused to send me a refund.
Consumer complaint received 2024-03-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

the compay is : portfolio recovery associates : a bill from XXXX XXXX XXXX XXXX  EVERY COUPLE OF YEARS, they start sending this to me, having people come to my house i believe, i do not owe this debt and im tired of them harrassing me over it, i filed bk years ago, and this was probably on it, its been off my credit report for a very long time, i dont have info on the debt because again ive filed bk years ago, attached is the form they send, they are harrassing my phone, as well