BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-19
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
We are a business checking account customer with BMO Harris Bank. BMO Harris has two different portals for online banking. bmoharris.com ( digital banking ) which we use daily and is secure. They also have the portal XXXX XXXX XXXX XXXX ( XXXX ), which was not secure. In XX/XX/XXXX we faced numerous issues with the XXXX and our ability to secure the credentials for the security of the site. We communicated these issues to BMO Harris ( see email dated XX/XX/XXXX with BMO bank employee XXXX. It was our decision then to close and lock the XXXX access as we could not use it or secure the site. We chose to use the XXXX XXXX instead, which we had secured. Harris replied on XX/XX/XXXX that the XXXX was locked ( see email dated XX/XX/XXXX ). This proves our request was made, received and supposedly acted upon by XXXX XXXX. On XX/XX/XXXX fraud actors accessed the XXXX and initiated a wire transfer out of account ( see wire payment confirmation ) for {$49000.00}. This transaction should never have worked as we had requested and received prior verification of our reasonable request to close and lock user access on the banks end to prevent this from happening. the bank was negligent in its handling and therefor at fault. After months of requests for records, to which the bank is refusing to provide, we received an email chain from the XXXX once again surrounding the closure of our XXXX portal. The email chain improperly sates that it had not received any such prior request, however the email we have dated XX/XX/XXXX clearly is proof to the contrary ( see email chain dated XX/XX/XXXX ). The banks improper handling of the account holder 's requests given the nature and concerns surrounding the inability to secure the user access, the prior instruction to close it and lock out access and the banks failure to ensure such action was taken despite its acknowledgments all clearly demonstrate a bank error that led to the financial harm of its customer. We request an immediate refund of the fraud dollars not recovered.

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 2024-01-13
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had an unsecured credit card with Bank of the west open in XXXX at some point I got delinquent on my account and Bank of The West decided to close my account and shortly after they started the collection process. Before agreeing to pay my balance owed that was less than XXXX XXXX dollars. I ask if I pay off this balance would they delete it from my credit report and was told they could do that. This was a verbal agreement and I made the mistake of not getting in writing or follow up in writing. 

I paid it and Bank of the West did not honor their end the agreement. I tried to dispute it with credit bureau and was not successful at getting a resolution. 

Bank of the West is not being transparent when it comes to reporting to all XXXX bureaus there appears to be information that is not consistent

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 2022-10-06
Company: EQUIFAX, INC.
State: CT
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. This account below has violated my federally protected rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX : # 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 : Also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other then records of convictions of crimes which antedates the report by more then seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: HCFS Healthcare Financial Services of TeamHealth
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: Personal information incorrect

Complaint:
To whom it may concern I and writing in request that action take place on these accounts reporting negatively on my credit report. I have requested that my personal information be updated. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681 b ( c ) and a serious breach of my privacy rights. 



Acct. XXXX XXXX XXXX XXXX late 30 days XXXX Acct. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct. XXXX XXXX questionable Acct. XXXX XXXX XXXX questionable Acct. XXXX XXXX XXXX questionable Acct. XXXX XXXX XXXX questionable Acct. XXXX XXXX XXXX inaccurate Acct. XXXX XXXX inaccurate Acct. XXXX XXXX questionable Acct. XXXX XXXX inaccurate Acct. XXXX XXXX inaccurate Acct. XXXX XXXX inaccurate Acct. XXXX Original Creditors incomplete information Acct. XXXX Original Creditors incomplete information Acct. XXXX Original Creditors incomplete information Acct. XXXX XXXX XXXX not mine Acct. XXXXXXXX XXXX  inaccurate Inquires : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 ordered a copy of my report in and I found out that credit reporting agencies still indicate erroneous accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2021-10-18
Company: Mr. Cooper Group Inc.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To Whom it May Concern ; I am writing and asking for help re mortgage. Currently mortgage is with MR. Cooper. 
Mr. Cooper is not lender. Mortgage was sign originally in XXXX with XXXX XXXX a Division of XXXX XXXX XXXX XXXX XXXX. In XXXX was transfer or sold and currently is with MR Cooper who is 3 party on this mortgage. Mr. Cooper provides only invoices and account information. This loan is agreement with XXXX XXXX Rates. Rates are changed every 6 months and are between 11.75 % and 5.750 % .Currently LIBRO will be phase out and will be replaced. How I am affected with this change? Please can you advise or recommend any other agency who can help and look at this closer in history of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: TRANSWORLD SYSTEMS INC
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
Let this letter serve as a complaint about the XXXX XXXX. On XX/XX/2022 I, entered in the rental agreement with XXXX XXXX. I rented the XXXX XXXX car for the period of XXXX XXXX XXXX it in FL. The full amount of {$520.00} ( conformation # XXXX ) was withheld from my XXXX XXXX XXXX. I was asked if I wanted an additional insurance coverage for the rented vehicle. I explicitly refused as I have an active insurance coverage with XXXX. The XXXX XXXX representative asked me to provide him any of my credit cards to put on hold, in case of any damages to the rental car. I gave him my XXXX XXXX Credit Card. I signed the agreement that was later emailed to me. Eventually the XXXX XXXX billed me for additional {$260.00}. I challenged this charge as I refused to have additional coverage, but the company still charged me for the no provided service. I disputed the charge with XXXX XXXX and was assured by my bank that I did not have to pay the charge. However, the rental company sent me a direct bill for the amount {$260.00} trying to charge me directly. The rental company should not act in fraudulent manner and unjustifiably enrich itself for the services that have been refused by the client. I spend time trying to straight the matter out. I received the letter from XXXX XXXX that resolved the dispute in my favor however it did not stop XXXX XXXX from pursuing money from me and sent me ( XXXX ) bills directly. After that XXXX XXXX transfer this amount {$260.00} to Transworld Systems Inc. This company is a debt collector sent me already 2 or 3 letters with request me to pay this money. Plese help resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: Experian Information Solutions Inc.
State: SC
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 have many inquiries on my credit report showing that is not mine. I reached out to the consumer reporting agencies numerous times over 60 plus days. Letting them know that these inquiries are not mine, fraudulent, and unauthorized by me. I ask for proof and validation of these inquiries, and they refuse to send me validation only stating that it's verified. I know they haven't tried to investigate these inquiries because they are not mine and is a violation under 15 USC 1681b ( 3 ) i want them removed immediately.

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 2024-01-14
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Absurd explanation of this complaint experian closed proves once again this is a fraudulent company

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 2022-11-29
Company: Experian Information Solutions Inc.
State: LA
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:
I submitted a complaint in XX/XX/2022. Regarding these inaccuracies on my credit report. Their are ( XXXX ) debts from XXXX on my report claiming that I owe. Experian only closed the accounts and added remarks to my report still listed as potentially negative which hindered my score even more. I am asking to have these inaccuracies DELETED from my Experian report.

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 2023-05-12
Company: Synovus Bank
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This is the 4th time I have tried to have the CFPB intervene on this 20 year old debt ( although I have never had an account with the bank mentioned in their letters ). 

They operate under multiple names but continue to pass it from one to another but it's clearly the same debt. 

I have asked them to STOP CONTACTING ME FOR ANY REASON so they simply contact me under a different collection agency name. 

I've attached 2 letters, sent under 2 separate collection agency names, the first dated XX/XX/2023, the 2nd XX/XX/2023, for a debt that is now 20 years old! The federal statue of limitations prevents any attempt to collect a debt anywhere near this old. 

In the event ANY of their agencies contacts me again, I have 4 other people who will join with me in a class action lawsuit to seek both a seek and desist order and any punitive damages the court will award.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Subject : Update on my {$30000.00} line of credit on my credit reports ( Experian, XXXX and XXXX ) I am contacting you through this letter because attempts to contact the Lender : XXXX XXXX have been unsuccessful. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Phone : XXXX The purpose of this communication refers to the following matters : Unreported or inaccurate information on my consumer credit reports : If you review my XXXX XXXX XXXX account number XXXX, you will notice that I have a {$30000.00} line of credit, which is not being included on my Consumer Credit Report. 

a ) When reviewing my XXXX report, I noticed that the {$30000.00} credit limit is not reported or reflected anywhere. nor the payment history of the last 24 months. 

b ) When checking the Experian credit report, I noticed that the {$30000.00} credit limit is not reported or reflected anywhere. nor the payment history of the last 24 months. 

c ) When checking my XXXX credit report, I noticed that the {$30000.00} credit limit does not appear

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 2023-01-29
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX loan is reporting late when the account is closed and no balance is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My son was targeted in his first yoer of College in a teacher work related scam where the scammer sends him a ( fake ) check but real from another innocent party as a work related task. He was asked to deposit it and send the professor ( via XXXX ) a sum of money and keep the rest as his pay. Obviously, the check was returned as unpaid, the Bank ( BOA ) says they can not trace the XXXX Payment ( even though they had the recipients pay info ) and proceded to charge back to my son 's account. This account could not afford the pay back as the funds did not support that payment. So BOA took the funds out of MY account which was connected only by my wife 's name on my account. My sons account was separate and I do not know how that is legal??? 
To the tune of approximatley {$1000.00} They would not reverse nor even negotiate this transaction, so I closed my account with them after about 30 years with the institution! 
I think this policy is ilegal and should not have been my personal account 's responsibility. BOA actually had the scammer 's info but would not persue. 
I also filed a report with the FBI about the scam.

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 2023-01-11
Company: Experian Information Solutions Inc.
State: GA
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:
Items was on my report that wasnt mind also items was included in my police report i sent in

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 2023-05-26
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
PayPal has decided my account is at risk. So, they have decided to part ways with me while they hold my money hostage for 180 days. I am XXXX and live on a limited fixed income. A PayPal rep said she cant find out why. She put me through to her supervisor and she hung up on me. This is just wrong because I didnt do anything to warrant such. I use their service for XXXX and refunds, rebates offers. Thats it. I need to know why I am being treated this way. Maybe, if I identify as XXXX or some XXXX XXXX, I will get help from them. Such a disgusting, disgraceful so-called American company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. 

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, 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-06
Company: Experian Information Solutions Inc.
State: NV
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:
I appreciate you taking the time to DELETE some of the information in my credit file ; however, there are still accounts that need to be DELETED. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX, XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$14000.00}

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 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-12-20
Company: Experian Information Solutions Inc.
State: IL
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 XXXX  Account : 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 XXXXXXXX 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 a account without my written instructions

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