BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-13
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: ID
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a savings account with BMO XXXX XXXX and recently tried to make a withdrawal, but my request was rejected by the bank because they said an account freeze was in place due to potential fraud. I verified all necessary information, and although the customer service rep. agreed everything looked fine, she told me she doesnt have authority to unfreeze my account and that must be done by the fraud team. Unfortunately, no one picks up the fraud teams phone and it goes to a completely full voicemail. Ive now called three times back to customer service, who tells me they cant help me and they transfer me back to the fraud team, which doesnt pick up the phone and has full VM. At this point, I filed a complaint with customer service and just want to close my account, and transfer all money back to the funding account, but they told me that until the fraud team takes action, they cant help me. Even worse, I received an email that my password to my account was changed due to my request, while on the phone with customer service, but I never requested it be changed. When I called back to customer service angry that it was changed, the representative apologized, saying she was the one who changed it and she should have asked permission first. She said that she did it according to internal bank policy in order to open a ticket so the fraud team can help, but I never authorized her to change my password. So now, I dont have access to my online account, the bank has frozen my money, no one in customer service can help, and no one on the fraud team is accessible. Please help! Its right before XXXX and I need access to my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XXXX now owned by comenity/XXXX was peddling magazines subscriptions at their store a few years ago. After you agree to a subscription, they give you a piece of paper with a number on it to call to cancel. However, what they don't tell you, and I don't blame to sales staff, is that you will never, ever be able to talk to a real person. When you call to cancel, the system is set up to cancel the subscription and return your account but in order to have that done you have to agree to accept additional copies at a lower price. After that kicks in and your don't cancel within a certain time, they will start up the subscription again and bill you for it. The problem is that you CAN NOT turn that down. And they just keep charging and charging your credit card. Not only that, you can't get anyone on the phone at the actually credit card company either. Check out their XXXX page. They have been blasted with complaints about this. Please stop them. 

XXXX XXXX XXXXXXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-13
Company: AVANTE
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I sent a verification and validation letter to the address listed on my credit report for AVANTE USA and followed up with a call. However, I haven't received any information regarding this account via mail. Additionally, this account has exceeded the statute of limitations according to my state 's laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-04
Company: Diaz & Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2018 the company Diaz and Associates contacted my human resources department at my employment. They stated that they were trying to set up a time for me to meet with the sheriff 's office off site. I told them the debt was not mine. I sent them a cease and desist letter by mail, fax and also email at XXXX. 

I received a voicemail at XXXX on Monday, XX/XX/XXXX, another voicemail on XX/XX/XXXX @ XXXX XXXX and another voicemail on XX/XX/XXXX @ XXXX XXXX. regarding this debt. The last two voicemails from someone named XXXX. They have disregarded my letter stating not to contact me. Also they are misrepresenting themselves as a law office that will send the sheriff 's office to my home or work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: SUNCOAST CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I was playing XXXXXXXX XXXX XXXX they refused to pay XXXX Ive put a lot of money into account and they refuse to pay so I want money I put into playing since funds to be paid out they wont pay and sincoast gave me some of my disputes then decided no makes no sense

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX {$950.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT COMENITYBANK/VICTORIA {$340.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX {$490.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT Account Number XXXX Account Number XXXX Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: WESTERN UNION COMPANY, THE
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Lost or stolen money order

Complaint:
My money order purchased on XX/XX/XXXX in the amount of {$270.00} for a bill due on XX/XX/XXXX was lost or stolen so it did not make it to the payee. Upon calling the automated customer service number, it seems that the money order has not been cashed therefore it can not be traced. The only option available is to request a refund which requires a {$15.00} non-refundable fee. As a XXXX  with a disability on a fixed income, the lost money order and {$15.00} fee have both posed a significant financial hardship on me at this time. The payee is one of my creditors, and is now requiring both XXXX and XXXX payments along with late fees all at once in order to bring the account current. This is a total of nearly {$600.00} which I can not afford due to my circumstances. I am now at risk of a negative reporting to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

Account name : XXXX XXXX XXXX  Account number XXXX etc. has violated my rights. 
Account name : XXXX XXXX XXXX Account number XXXX has violated my rights. 

Account name : XXXX Account number XXXX has violated my rights. 

Account name : XXXX XXXX Account number XXXX has violated my rights. 

Account name : XXXXXXXX XXXX XXXX Account number XXXX has violated my rights. 

Account name : XXXX XXXX Account number XXXX has violated my rights. 

Account name : XXXX XXXX XXXX  Account number XXXX has violated my rights. 

Account name : XXXX XXXX XXXX Account number XXXX has violated my rights. 

Account name : XXXX XXXX  XXXX XXXX Account number XXXX has violated my rights. 

Account name : XXXXXXXX XXXX XXXX  Account number XXXX has violated my rights. 

Account name : XXXXXXXX XXXX XXXX Account number XXXX has violated my rights. 

Account name : XXXXXXXX XXXX Account number XXXX 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 states a consumer reporting agency can not furnish an account without written 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 if information. Any other adverse of information, other than records of convictions of crime which antedates report by more than seven years.

15 U.SC 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 information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently contacted equifax and XXXX & alerted them that I had been a victim of identity theft. The rep stated that he could see the alert had been placed on my profile. I advised him that I would like my info updated as well as to dispute several items that I had no knowledge of!! I just received the results of the dispute and nothing was deleted, just updated EVEN THOUGH IT ISNT MINE!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
There were several unauthorized recurring debits in my checking account from XXXX ph # XXXX. I made a claim to Wells Fargo to dispute all charges from this place on XX/XX/XXXX I was advised they would let me know the outcome but never got a response unless I called directly. I was credited about {$40.00} from when these transactions from when the incident started on XX/XX/XXXX Now Im being told that my dispute XXXX & XXXX is the only time it can be disputed out of a total amount they were able to find for {$3100.00}. I feel this is unacceptable especially if it was never a time where my card was used online before. I always use the physical card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated last XX/XX/2022, but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This letter is a formal complaint that you are incomplete credit information. 
reporting inaccurateand According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the originalsigned consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be removed immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, please REMOVE all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracyand completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Thank you,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon checking my credit report I've notice these fraudulent accounts being reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a block request. Per the statute a block request should only take 4 days. It has been over a month with no positive results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
I submitted an application for a loan and was approved on XX/XX/2019. I had not uploaded the documents online and there was an expiration date that I can no longer see. One Main Financial sent some contact information out to a branch in XXXX XXXX, Texas. I spoke with an agent on XX/XX/2019 while at work and explained my location and hours at XXXX XXXX. On XX/XX/2019 I called the branch office at XXXX XXXX and XXXX XXXX answered the phone. I identified myself and she looked up my account. She then said that the assigned agent was with another customer and would call me back in 30 minutes. I explained that our work schedules are very similar and I may not be available and asked if someone else could take the information needed. She curtly stated, " if I didn't answer she would reject my application. '' At that time I asked her for a supervisor and she said with a smile I am the manager. I then said thats not what I asked for. I asked for your supervisor, whether its a district or regional manager. She said you can go online. I then said you are not going to give me an email or phone number for someone over you. She stated no and shes rejecting the application and hung up the phone. Now all the emails I was sent, said that I have a team waiting to assist me. Then when I call and ask for someone else she refused me access to complete my loan application for which I was approved for, all because our schedules don't align. But note I am on the phone attempting to meet their business needs as well. 

I then emailed the company immediately. I also called the XXXX branch and spoke with XXXX. She also gave me other numbers to call. This morning I decided to find email that says I am approved and log in. XXXX rejected my application. I would like the reason she put in the system when she refused me the application process. That has to be illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-15
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To whom it my concern, I am submitting a complaint about Dovenmuehl mortgage company, taking money from me outside of our mortgage contract and not, after many months being able to explain why.

Dovenmuehl used to service my mortgage but sold my account to XXXX XXXX in XX/XX/2020. 
I was told to start paying XXXX XXXX each month, which I have faithfully done and continue to pay each month. 
I then had a withdrawal in XXXX from Dovenmuehl for {$1600.00} which non of the " supervisors '' can explain. 
I have spent 2-4 hours on the phone 4 times trying to obtain some sort of resolution to no avail. 
I have also been asked to email a bank statement to show the withdrawal which I have now done 3 times. Being told each time that I will be contacted shortly to resolve the issue.

3-4 months go by before I call and ask " what is happening? '' To which I receive the same run around of a story.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UND

ER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO S
TATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
To whom it may concern : I have called Chase XXXX credit card company multiple times to resolve this matter, but the issue still stands, and it is hurting my business and personal credit. I have filed a dispute twice against charges that were not authorized. 
The first time the investigation was open, it lasted a few months. I received a phone call from a lady that did not want to hear what I had to say, instead, she accused me of all the charges that were on the account. I tried to explain everything, but she did not let me speak at all and was told goodbye from the Chase team. 
The second time I called and complained about the lady who was rude to me and didn't want to hear my side of the story. Unfortunately, no action was taken against her as nothing was documented on the account to whom I spoke with regarding this matter. The second time I requested the case to be reopened against the invalid charges, within two weeks or less the case was dismissed. I was sent a letter stating the investigation has been closed and the charges belong to me. 
This is a Chase XXXX  credit card that started with a limit of under XXXX XXXX dollars and ended up with a balance near XXXX XXXX dollars. I asked the Chase representative how my credit card limit went up to nearly XXXX XXXX dollars in which I was told by the representative that I had requested the limit to be increased. This is completely false and they did not want to mention this again when asked since the credit increase was not approved by me. 
Please help with resolving this matter as my credit score went from close 800 to about 600. Being a business owner, I must maintain good credit. I have high expectations from Consumer Financial Protection Bureau to help resolve this matter. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation