BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-21
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I deposited my IRS tax refund check into my BMO Harris account at the XXXX XXXX XXXX  location branch. My account was first frozen once I activated my debit card. After a couple days they completely froze my account. How can anyone make a phony tax refund check? I even showed proof with another IRS letter verifying the tax refund check amount. They still say it's suspicious of being fraudulent. Now I have no money and, on the verge of being homeless because of BMO 's mistake! Only response I get is call the fraud team. The fraud team is useless!

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 2023-03-08
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Transworld systems inc. showed a collection on my report from XXXX XXXX XXXX of {$310.00} XXXX XXXX. I had to call them XXXX XXXX to find out why because they have not tried to contact me at a correct address or by telephone. They are also putting a debt on my report that has already sat on my credit report for 7years and fallen off. The company is out of time-barred and statutes of limitations guidelines. As well as never spoken to me or sent a letter to a correct address to notify to legal report said debt, that is over 10years old and had already lived its 7year lifespan on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have our home mortgage serviced by PenFed Credit Union. As of XX/XX/2021, the institution does not allow members to pay its mortgage payments bi-weekly through either the online portal nor by phone. The online portal only allows for monthly payments and no partial payments which limit you from setting up bi-weekly manually. If you are process the payment by phone, they do not guarantee the correct calculation of interest - the first payment is held in queue until the second payment is made, thus requiring you to accrue additional interest. 

This issue is further exacerbated by the fact that I do not have consumer choice on who services my mortgage - as a result, I am forced to accrue additional interest due to system limitations.

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 2022-05-03
Company: Experian Information Solutions Inc.
State: NC
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 A VICTIM OF IDENTITY THEFT, THE INFORMATION REPORTING TO MY CREDIT PROFILE IS INFORMATION THAT I HAVE NO RELATION TO, NOR HAVE I EVER HAD A ACCOUNT WITH THIS CREDITOR. I HAVE CONTACTED THEM AND THEY HAVE FAILED TO PROVIDE ME WITH ANY ORGINAL SIGNED CONTRACT STATING THAT I OWE A DEBT TO THIS COMPANY UNDER FCRA SECTION 609A. UNDER FCRA SECTION 605B AND 609E, FRAUDULENT INFORMATION MUST BE PERMANENTLY DELETED FROM A CONSUMERS CREDIT PROFILE WITHIN 4 BUSINESS DAYS OF RECEIPT OF THIS INFORMATION. THIS IS A DIRECT VIOLATION OF THE CONSUMER LAW AND I WILL BE FOLLOWING UP WITH EACH AGENCY TO ENSURE THIS MATTER IS TAKEN CARE OF IN A PROMPT MANNER. I HAVE CONTACTED MY ATTORNEY AND PLAN TO FILE A LAWSUIT AGAINST ANY AGENCY INVOLVED IN REPORTING FRAUDULENT AND UNVERIFIED INFORMATION TO MY CREDIT PROFILE. THIS HAS CAUSED ME DISTRESS AS WELL AS RUINED MY CONSUMER FILE. THE FOLLOWING ACCOUNT IS FRAUDULENT : XXXX XXXX XXXX XXXX XXXXXXXX {$190.00}. FAILURE TO COMPLY WILL RESULT IN A LITIGATION PROCESS. PLEASE REMOVE ALLL NON-ACCOUNT HOLDING INQUIRES THAT HAS NOT BEEN VERIFIED VIA ORIGINAL SIGNED CONTRACT.

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 2023-02-28
Company: M&T BANK CORPORATION
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I was approved for 18 months of assistance from the homeowners assistance fund. Payment has been sent to M & T bank but not posted to my account. Payment was sent to M & T on XX/XX/2023 by Florida HAF and M & T still has not posted the payment to my account. My mortgage is now 27 days due to their negligence.

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 2019-10-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Tried to use Experian 's Security Freeze website to freeze my credit. Provided the same information used to successfully freeze my credit at XXXX. Was notified they were unable to honor my request without providing any feedback or recourse except to send highly confidential information via mail and wait some unspecified period of time, which leaves me open to identify theft.

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 2019-06-23
Company: HSBC NORTH AMERICA HOLDINGS 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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My Hsbc premier credit card ending in XXXX was compromised and someone used my card starting XXXX to end of XXXX. I called in on mid XXXX to cancel the card and they denied the claim stating that I called in for travel notice and some of the charges are Coming from over seas but I called again for the claim stating I cancelled my plan to travel which I called my card company to let them know and they should have note of it. They had sent the letter stating my claim was denied for not filing police report on XXXX to my previous address which I didnt know it until last Sunday. I had to goto police to file the report yesterday for identity theft and the fraud charges. I asked my bank for interest charge reversal and theyre refusing to do so as the claim was denied which amounts around to XXXX $ Worth and they keep charging the finance charge fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: Paradigm Assets, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have credit XXXX account and found that JHPDE Finance 1, LLC, also with XXXX XXXX serviced by XXXX XXXX XXXX that it was reported on XX/XX/21 that there is a debt being collected. I have yet to know anything about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
( all evidence is attached for this complaint ) I revoked consent via certified mail for BBVA to call me and ask that they : 1. Communicate by mail only no phone calls 2. No recording me. 3. I asked that they not call me using automated dialing systems and they did two times leaving a voicemail on one of them this past week of XX/XX/2019. I asked them back in XXXX to STOP CALLING. 

No lawsuits have been filed yet, but I am represented by an attorney who handles Consumer Protection Violations under RFDCPA AND TCPA. I ask that BBVA reach out to my counsel right away to discuss this before it escalates further. 

Please contact : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: TX
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: Investigation took more than 30 days

Complaint:
Initially XXXX XXXX furnished Experian with an address that I was unfamiliar with. I discovered the problem during the month of XX/XX/XXXX. Because the address was unbeknownst to me, Experian refused to provide consumer reports to potential creditors during the pandemic and even now placing me and my family under undue economic duress. I was denied phone access and online access because I was ignorant to what was going on. No one would help me, until a kindred spirit, who worked for Experian, finally decided to enlighten me about an address that XXXX XXXX reported to Experian. These actions have interfered with my ability to purchase a home, procure financing, loans, and lines of credit that would have otherwise ensured my advancement in life. 

Experian had me mail in specific documentation to verify my identity and confirm my address several times during the course of three years, while continuing to deny potential creditors access to the consumer file. Experian stated that their respective inquiry was being disputed and that's why several potential creditors were denied access ; which was odd considering that the inquiry wasn't accepted. It later became an information issue with the same address that I had previously disputed. My dispute was disregarded, despite providing proof, because XXXX XXXX said that my address was something else. I was told that the address had been deleted & updated, ; however, this turned out to be a half truth. The Experian rep said that the addresses were deleted and updated on the Credit Report that was sent to me, but not in their system because a potential creditor was denied the consumer report XX/XX/XXXX. 

On XX/XX/XXXXXXXX  I went to Experian.com and disputed the phone numbers, addresses, and other personal information. I did not dispute my current address, but Experian deleted it anyway and now they're stating that I don't have access to the consumer report because my information doesn't match their customers or alleged creditor 's information. 

Before Experian locked me out again, I saw that it had entered new erroneous personal information even after a number of disputes and me providing verifiable proof. Experian added this inaccurate information and locked me out of the account while I was attempting to dispute the new phone numbers that appeared out of nowhere. 

I believe that this was retaliation because I also presented FCRA 15 USC section 1681a 2 ( A ) ( i ) to XXXX  XXXX and Experian XX/XX/XXXX disputing the illegal late payments that they've been reporting. I requested that they reverse those transactions, so they would read OK or PAID AS AGREED on the consumer 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 2023-10-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently have gathered a copy of my credit report because I'm interested in buying a home to start a family. I have been informed that my credit file has been used to access varies mounts of credit files. I've never had no knowledge of ANY OF THESE accounts. I would like this to be removed from my credit file IMMEDIATELY. I appreciate any and everyone involved to helping getting this resolved thank you! 

The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-11-29
Company: EQUIFAX, INC.
State: NJ
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:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 sent a letter to XXXX, Transunion, and XXXX on XX/XX/2022. Its been well over 30 days, and I still have not received anything back. 

According to 15 USC 1681 ( a ) ( 1 ) ( A ) XXXX, Transunion, and XXXX have 30 days to respond to my dispute. 

This is a violation of my rights. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion 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 2023-01-31
Company: Experian Information Solutions 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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 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 explanation
Consumer complaint received 2023-02-17
Company: Bread Financial Holdings, Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
This is the second credit card company in the last year where someone is trying to open a a credit card account using my name.
I would like to freeze my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
State: CA
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 the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please correct the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.

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 2022-11-15
Company: EQUIFAX, INC.
State: TX
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 sent a letter to XXXX, XXXX, and Equifax on XX/XX/2022. Its been well over 30 days, and I still have not received anything back. 

According to 15 USC 1681 ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. 

This is a violation of my rights. 

Certified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX XXXX XXXX XXXX : XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of : ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX  : XXXX, XXXX Personal loans XXXX The law of privacy 15 U.S.C 1681 602-4 4. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681 604 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.

15 U.S.C 1681 623 subsection ( A ) Reporting information with actual knowledge of errors. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section states Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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