BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-18
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Our company bank accounts with BMO Harris Bank were all closed XX/XX/XXXX. I stopped into the branch to make sure that all accounts had {$0.00} balance and that cash balances were transferred to our new bank account with XXXX XXXX ( XXXX ). 

I have an email asking to confirm that all accounts are closed. 

Almost a year later, we received a call from a collection agency stating that our business credit card has a transaction that occurred that generated significant amount of interest. I thought the transaction was fraud and stopped by my local BMO branch to notify them. 

The branch stated that the BMO Business Credit Card was never closed by their employee and that a XXXX renewal membership of {$65.00} was ran on the card. I agreed that the XXXX membership is ours, but the card was supposed to be deactivated, making it impossible for any auto pay vendors to process it. 

I agree to pay the XXXX fee plus the interest to be done with it and then verified with them at the branch that it was paid in full and the account is closed. 

Today ( XX/XX/XXXX ) I received a call from a collection agency on behalf of BMO stating that we have an outstanding balance of {$460.00} due. 

This is ridiculous. I stopped by the branch again and asked them to waive the balance. They explained that the account is in fact closed, but I have to discuss the balance with the credit card company. I try calling the credit card company and it just ends the call. 

I am being run around in circles for accounts that we tried to close out almost two years ago. I am being punished on my credit report and with a collection agency because a BMO employee failed to do their job. I have made no purchases with these cards as they were shredded the same day we closed our accounts. We do not receive any paper statements in the mail from them because they will not update our new business mailing address and our online account with BMO is locked.

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 2018-11-19
Company: Fay Servicing, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I spoke with Fay Servicing on XX/XX/XXXX requesting a billing statement which reflects the amount due in order to bring my account current. My account manager- XXXX advised that she could resend a demand letter that was sent previously. I provided her my email address and re-authorized email communication as it was done previously. In the interim, she provided me with a payment amount of {$2700.00} needed to bring my account within 30 days past due. She also suggested loss mitigation as I fell behind on my payment due to a car accident. I explained to her that the amount was being paid by a settlement/modification wasnt needed. I sent a payment of {$2800.00} on XX/XX/XXXX. I begin to make monthly payments the following month with no further communication from Fay. On XX/XX/XXXX ; I received a letter explaining that my XXXX payment of {$980.00} was not accepted as my account is in pre/ or active foreclosure. The check payment was returned uncashed to me. I immediately emailed my account manager for clarification on why the payment was returned. My account manager called on XX/XX/XXXX-unaware of the email sent or returned payment ; requesting an update on the loss mitigation documents. I explained the issue/she located the email sent while we were on the line. Upon further research ; she explained that the {$2800.00} payment was misapplied to another lien account. She explained that she would reach out to her manager to have the payment applied to the correct account XXXX ; collections activities would cease and I can make payments going forward. On XX/XX/XXXX ; I received a {$2800.00} refund check from Fay Servicing. I called in on XX/XX/XXXX and was advised that there was a request to refund the misapplied payment vs apply to the correct account/that the account is still in active foreclosure. Please assist with getting a reinstatement amount/ additional processing fees waived. This is the 2nd issue that Ive had with misapplied payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-04
Company: CCS Financial Services, 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:
Credit Collection Services/CCS is reporting a delinquent collection account to XXXX and XXXX  that does not belong to me and is reporting incorrectly as if it does. I've attempted to resolve this by disputing this entry with the major credit bureaus, as well as contacting the company asking for validation of this alleged debt. I have yet to receive sufficient validation of this debt. According to the FCRA, Credit Collection Services/CCS has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am writing this email to express my profound discontent with how XXXX XXXX XXXX is handling the public service loan forgiveness program. 

Today ( XX/XX/XXXX ) I was informed that I do not qualify for PSLF because my loans are FFELP loans. This information was provided to me after calling in because I received a vague notice informing me that my employment certification was denied, without the reason why. 

Today was the 6 time this year that I called XXXX XXXX XXXX   regarding PSLF. Years ago I had also contacted them regarding PSLF and I was never told that my loans were FFELP loans. Additionally, my loan servicer AES never told me that my loans are FFELP loans even after I called them to be placed on an income driven repayment plan for PSLF years ago. Furthermore, under the loan detail section of their website for my loans it does NOT say the type of loan that I have, whether direct or FFELP. Instead of the information of the loan type being available on the website, what is available is the loan program ( Subsized consolidation loan ). 

The representative from XXXX XXXX XXXX said that I would have to consolidate my loans which would have be eligible since XX/XX/XXXX if it weren't for their loan type and the fact that eventhough I called in several times over the years to both XXXX XXXX XXXX and AES I was never told my loan type of FFELP did not qualify. 

My plan was to apply for the Temporary expanded public service loan forgiveness since I had been on the graduate extended repayment plan for the majority of my loan payment and 2 years on the standard plan. 

I find it unfair and unjust to not have my employment certification form denied only because of the loan type, especially when it can be converted into a direct loan by consolidation. The problem here is that consolidation erases the 10 years of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2023-06-27
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 accounts : 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 602 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my XXXX and XXXX is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: United PanAm Financial Corp.
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 filed a FTC report on XX/XX/2023. The result was that the det was verified. I am a victim of identity theft and I have no knowledge of the account that is listed below. Please remove so my credit reports will read as true and accurate. 

United Auto Credit {$120000.00} Account charged off Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: Bread Financial Holdings, Inc.
State: NJ
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 rewards from credit card

Complaint:
On XX/XX/2022, a redemption of {$790.00} was made to my checking account on file. To date, the deposit has not been made and the credit card company has no answers to explain why my monies have not been transferred and deposited to my account that they have on file and withdraw from to pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Action Credit, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
On XXXX XXXX,2023, a representative from the Loan Company XXXX XXXX came to my workplace. She asked when I could begin making payments again I did advise her that I was currently struggling and I would try to catch up in the upcoming month. I do Acknowledge I am behind and I communicated to her when she came by and processed to call her Supervisor and she asked more questions about payment I repeated that I was trying to catch up. The agent who came to my work asked me to take her cellphone but I am in a public office that has camera 's and I did tell that I couldn't take her cellphone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX XXXX XXXX for {$130.00} there was a glood and {$340.00} was fraud is {$480.00}. Ive calldd exevutive office and customer service who does not answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: CCS Financial Services, Inc.
State: AR
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:
Over the past several months I've been in contact with XXXX, XXXX, and XXXX in regards to a medical collection account reporting under the name of ccs collection located in massachusettes. This account has been reporting inaccurately due to idenity fraud and or theft. This account has never belonged to me nor have I ever received any medical treatment on during the times the account claims to have been opened. Also I am aware of the Health Insurance Portability and Accountability Act of 1996 in regards of protection and confidential handling of protected health information. In additon, this account has previously been removed from XXXX  and XXXX  reporting consumer reporting agencies.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: NJ
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : 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 2020-10-05
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:
XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX  DOA XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Account Name XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$570.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX XXXX  XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$570.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$570.00} Date OpenedXX/XX/XXXX Dispute Revolving Accountsshow tooltip button XXXX  XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$8000.00} written off. {$8000.00} past due as ofXX/XX/XXXX. 
Account TypeCredit card Balance {$8000.00} Date OpenedXXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeCredit card Balance- Date OpenedXXXX Dispute Installment Loansshow tooltip button all not mine

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 2023-07-18
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I've had Wells fargo for my mortgage they have suddenly switched my mortgage to a XXXX Mortgage lender that appears to not be a good company. Besides that Wells fargo has recently increased my monthly mortgage by XXXX a month indicating from projections over the next year. My taxes are not raising and if they do once every few years it only adds up to less than XXXX for the year. So Wells Fargo is asking me to pay XXXX a year???? And all of sudden they switch this to the new mortgage carrier. I've been paying my mortgage for 21 years, it will be finished in less than XXXX as I used to pay XXXX a month? I've had so many problems with Wells Fargo but I should be able to pick who does my mortgage? They have tried to rip me off so many times.

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 2022-09-17
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act 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.

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 2020-10-05
Company: Self Financial 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:
i sent out disputes to the credit bureaus on XX/XX/2020 about account that are being reported on my credit that were not authorized by me. I lost my wallet a couple of years ago which contained my id and social i believe i have been a victim of identity theft. I have filed a police report also filed an ftc report as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX/XXXX  inquiry was made on credit report on XX/XX/2018. I have no knowledge of this credit inquiry

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