BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-12
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2021. I received a debit card from BMO Harris Bank for a checking account that I did not open. It was clearly an ID theft issue. I filed a report with the Federal Trade Commission XXXX report # XXXX XXXX, the local police department. I contacted the BMO Harris bank multiple times via phone calls and email with the documents they requested since then. Till today I did not get any written communication from them. I was not even allowed to talk to an associate with their Fraud department ( assuming they have one ). Every time I call BMO Harris, they play ping pong for an hour and then they say we are working on it ... 

This is a bank that opened a checking account for someone out of state without any usual verifications that decent banks do. 

Any help is appreciated.

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 2018-10-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I open an account saving a checking with USSA and insurance policy auto and rental. I was given a price and provide all the document they requested. I have an honorable discharge and provided everything the military issuse to prove your status and they refused to accept my documents and closed my accounts. Two months later they made a transition on my credit card to collect a payment. I didnt give them authorization to take money since it was closed. They have failed to reimburse me for money and still have not gave cause for denying me service. In spite of them having all the documents proven I was a veteran and they still refused to accept it. I want my account reinstated and full amount refunded back to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/XXXXExperian and XX/XX/XXXX should not be reporting a collection/chargeoff in the amount of {$1500.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The accounts date of last activity was in 2014, well over the time allowed to report a negative item. This account needs to be completely removed from my credit report. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting is seriously harming my credit. I have contacted the bureaus multiple times to remove these accounts however, I have not been successful.

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 2022-08-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Account information incorrect

Complaint:
Since XX/XX/22, I have been having issues with these accounts reporting inaccurate information on my credit report. I have submitted numerous letters requesting verification of these accounts. I have not received any updates in regards to this issue. Accounts reporting to the credit bureaus must report XXXX percent accurate. These accounts are as following XXXXXXXX XXXX XXXX  USAA Savings Bank XXXX and XXXX XXXXXXXX XXXX  XXXX 

I am respectfully requesting the deletions of these accounts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: MOHELA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/XXXX. I contacted MOHELA about XXXX loan forgiveness. They stated I had XXXX qualifying payments for loan forgiveness. I recertified and by the end of XXXX my qualifying payments were at XXXX for both loans. When on the phone, a representative said that I could certify for a job I had in XXXX and XXXX. I sent in the paperwork at the end of XXXX and was approved for XXXX more months. One of my loans was forgiven, but the other portion still shows XXXX. Every correspondence, they representatives and the XXXX XXXX XXXX keep starting I am approved for dates XXXX and XXXX. Besides 2 months in XXXX all have been approved, which as my calculations show is XXXX payments. No one will fix my issue. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
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: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be updated or corrected. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected immediately : 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Experian Information Solutions Inc.
State: MD
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 letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
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 2022-08-28
Company: EQUIFAX, 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 XXXX 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 XXXX XXXX XXXX XXXX account # XXXX, and XXXX XXXX XXXX account # 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 my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2021-11-09
Company: Ocwen Financial Corporation
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX and XXXX credit report. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 to the CFPB in regards to inaccurate late payments being submitted to Transunion, XXXX  and XXXX  on XX/XX/XXXX. 

XXXX XXXX XXXX  XXXX. 

XX/XX/2020 LATE THIRTY DAYS The company XXXX XXXX has not completed the investigation within the time frame and keeps putting me off even though I have submitted documentation to the company in regards to the complaint. As a result, I would like the negative trade line REMOVED From my account entirely at all three reporting agencies.

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 2023-07-23
Company: MoneyLion Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have had what MoneyLion calls a " Credit Builder '' loan, in the amount of {$1000.00}, paid bi-weekly in {$48.00} installments. I have always paid on time. This loan was meant to help improve my credit rating. 

A few months ago, I opted to disable automatic debits for MoneyLion, so I could make those payments manually. I did so for 3 payments ( {$48.00} each ), over a period of 1.5 months. On the fourth, I decided to pay the remaining balance on the loan - approximately {$190.00} - directly, on XX/XX/XXXX. As with any ACH transfer, I expected it to take about a week. It has now been 2.5 weeks, and they have not taken the payment. 

I have attempted to reach out to them via numerous methods : CSR on their app, phone CSR, email CSR, all of which have given me conflicting answers about why they aren't taking this payment, when an explanation was even offered. I have been told in turns, that they couldn't receive the payment because it was " still pending for 3-5 business days '' ( it is Business Day 12, as of this writing ) ; another excuse was that my disabling of automatic payments prevented them from initiating the payment ( which wasn't a problem on the three prior payments ) ; another excuse was that the account didn't have sufficient funds ( both provably untrue, AND the bank insists they have not received any ACH transfer requests from MoneyLion, failed or otherwise ). 

The one thing none of them has said, is that they will take my money. Not one of them. I can only assume they don't want me to pay them anymore. If it weren't for them submitting a non-payment report to credit reporting agencies for their own XXXXXXXX, I wouldn't be half as incensed about this. 

I can not believe this is even an issue. What kind of loan company doesn't take payments? It's usually difficult to get these places to refund or discount something, but they're usually pretty eager to receive money. 

I'm rapidly exhausting all civil means of resolving this issue, and feel that arbitration or a civil suit may be necessary, to force them to take this payment. I still can't believe I had to write that sentence, it's insane.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX have 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 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
Consumer complaint received 2018-10-09
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am writing to complain about my Citi XXXX XXXX  card. After receiving the card inXX/XX/XXXX, I activated the card this summer and was using the card until Citi abruptly froze my account. When I called to check on why the account was frozen, I initially could not get a straight answer. It was only after several attempts that I finally learned that Citi froze my account in order to conduct a background check to make sure I am the appropriate card holder. The account was frozen in early XX/XX/XXXX.

At the time, I was on travel for work, so I tried to address the verification issues by phone, but was informed that Citi only verifies by mail. While this was inconvenient, I did go ahead and send in the form Citi sent over. I learned today that Citi still requires another paper form submission that I am yet to receive in the mail. Once again, I am set to travel for work and do not have an active Citi card.

This process and the customer service at Citi have been terrible. More problematic, though, is that they do not conduct these various checks before a card is issued. What happens if someone is using someone else 's card. It appears from my experience that Citi allows use and only later conducts a verification. This is a troubling practice that should be investigated.

For now, I am once again without a card. I wish I hadn't closed another account in order to open this account since Citi 's service has been subpar.

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 2023-08-11
Company: NAVY FEDERAL CREDIT UNION
State: MD
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- have ignored my request to provide me with validation that this debt was assigned or sold to a collector. I have call several times and was told because they no longer have the account, I have to speak to the collector but XXXX is the one that is reporting the inaccurate information on my credit report each month since XXXX. The collection agency is not reporting anything to the credit bureau. 

2. XXXX XXXX XXXX - XXXX year XXXX, XXXX loan agree to take a smaller payment amount because I no longer had an income due to not working until I retired in XX/XX/XXXX. XXXX have inaccurate reported me delinquent for 276 days pass due. I received a phone call on XX/XX/XXXX from XXXX offering me a settlement of {$2900.00} but constantly reported to the credit bureau inaccurate information and remains charging me XXXX percentage interest. 

3. Navy Credit Union - have reported inaccurate delinquent payments transfer from XXXX XXXX XXXX XXXX during the bank merger between the two banks. This account was transferred from XXXX XXXX XXXX XXXX. 

4. XXXX XXXX XXXX XXXX XXXX XXXX )- This account has been paid in full for XXXX XXXX XXXX. I was told by XXXX XXXX XXXX this account can be deleted but has to be done by the collection agency because the account was placed with them for collecting but they refuse to delete from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The sent letter to the Experian credit bureau but I never received a response. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the Experian credit bureau do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance {$6300.00}

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 2023-04-20
Company: EQUIFAX, INC.
State: MA
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 sent a letter to remove address, inquiries and accounts that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove the items or information not later than 4 business days. Please remove the following items : XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2020-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have applied for a credit increase on two Capital One credit cards out of the four that I have. I was rejected on both because my usage and payment history were considered inconclusive, I have a credit score of over 800 ( FICO ) and I have never missed a payment. Capital One should have the decency in at least granting a small credit line increase based on my loyalty and impeccable credit history with Capital One. What if there is an emergency and I need more credit? Capital One should anticipate human needs and not solely rely on just metrics. The two credit cards have a  {$3000.00} ( XXXX ) and {$3200.00} ( XXXX ) credit limit. I requested a new line of credit with an increase to {$6000.00} ( XXXX ) on one card and {$6500.00} ( XXXX ) on the second card respectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX Account # XXXX has violated my rights. 

15USC 1681Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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