BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-15
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I recently opened a new account with this bank. Within 90 days of this deposit. I needed some extra funds and my boyfriend gave me a cashiers check to deposit from his credit union. Within an hour or 2 the fraud dept. left message to call I did not see this till next day because I have roboblock. When I when to the bank she told me it would be available next day. When that didnt happen I went to the bank asked why and she said my account has been frozen and I needed to call the fraud dept. She asked me if I knew my boyfriend?? I said of course weve been together for almost XXXX. She asked me again am I sure? I didnt understand and would not answer me. I called the fraud dept. 
and if course it was a holiday weekend so I had to wait till Tuesday. When I finally got ahold of someone in fraud dept again several times asked me if I knew my boyfriend?? Then she slipped up and said they thought he wrote the check to himself. Which was their mistake because they didnt read the check correctly. Who was remitter And who it was paid to. My boyfriend is former XXXX and has XXXX XXXX. The person on the phone was not very nice when I told I needed to speak to my lawyer she added I should speak to XXXX as well. I wasnt getting my money anytime soon. That Friday I went to a branch because another phone conversation I had told me I needed a written and signed affidavit brought in with both of us. Friday our XXXX stop was his credit union just to get cash and low and behold my bank has already cashed my cashiers check. Words can not express my feelings about how Ive been treated this whole process because I can not access my account to pay my bills which to this day are still delinquent. XXXX stop was to branch when banker tried to help me and her hands were tied of everything and she had to email copies of her verification of everything being correct and not fraud to fraud dept and it would be two more weeks to verify. I have called twice yesterday with no return phone call because every department Ive spoke to said they can not release my account. And they are still verifying. All I can do is cry and Im scheduled for XXXX to have XXXX removed for second time and all I wanted to do is pay my bills in case I wasnt able to after XXXX. Today is another 2 weeks with no answers. What should I do???

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 2021-10-11
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have already made a complaint..AES has not responded correctly to my request. I have asked for a Amortization Schedule of the PAID Dollars approaching and ultimately reaching XXXX ( XXXX $ ). They have only sent me a form indicating what I already paid, Which is questionable In itself. They will not send me that Amortization Schedule showing the amount that is left AND the payments left moving towards XXXX XXXX in the allotted timeframe that is left on the Note. THEY WILL NOT RESPOND PROPERLY This is the fourth time Im requesting this. Twice from me once from you,,, this is the fourth time. Someone with some authority has to hold their feet to the flame. I dont want them telling me that there is a Balloon Payment at the end. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: Experian Information Solutions Inc.
State: NC
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:
3 account from XXXX XXXX found in my credit report which I do not know or had business with. I file dispute with Experian and it appeared two of the accounts are deleted. One account still remains in my report and do not know the reason they keep one and delete the others. 
If two account for the same company were deleted I need to know why the third one still there? 
The company has been damaging my credit report since last year without my knowledge.

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 2023-09-15
Company: EQUIFAX, INC.
State: NJ
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: SANTANDER HOLDINGS USA, INC.
State: AL
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:
I disputed an account on my XXXX profile that had been DELETED by XXXX and XXXX. Wrote a follow suit letter to XXXX and they have yet to delete the account. By law information should be correct across all XXXX bureaus. XXXX has it still reporting to my credit profile as closed but it should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
State: DE
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 the accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX XXXX ) Account # XXXX has violated my rights. 

15 U.S.C 1581 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Avant Holding Company, Inc.
State: AZ
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:
I have XXXX fraudulent charges on my account XXXX USPS {$250.00} XXXX USPS {$290.00} I mailed in a dispute letter on XX/XX/2022. I also called to dispute verbally on XX/XX/2022, XX/XX/2022 and XX/XX/2022. 

They have not issued me a credit or responded to my letter as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have for the last few months been trying to resolve this matter with transunion acct # XXXX {$830.00} does not belong to me! I uploaded affidavit and mailed letters yet this account is still reporting and a representative in customer service advised me they never received a letter from me I asking for an removal of this account t

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 2020-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a copy of my credit, there is an account that doesn't belong to me. There are also inquiries that do not belong to me. Please investigate this account and inquiries. Please delete this info from my credit profile. Send an updated copy of my credit 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 2018-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
On XX/XX/XXXX and XX/XX/XXXX - 2 separate payments were made from my bank account to my XXXX XXXX credit card account. I have been an account holder since XXXX and have never been late on payments. I had automatic payments set up for {$100.00} per month to come out on XX/XX/XXXX, but due to the recent decision to purchase a house I wanted to pay off my balance in full on XX/XX/XXXX - I submitted another transaction to pay off the total amount. I received payment confirmation and logged back into my account on XXXX 's website 2 days later - I saw that my payment was made and the balance was at {$0.00} - I actually had a {$100.00} credit on my account. I received my XX/XX/XXXX statement in the mail which also reflected the payments, showing I had a {$100.00} credit on my account. On XX/XX/XXXX, I received a notice in the mail from XXXX stating that my credit card was 30 days past due and my credit limit was being reduced. I was extremely confused and called XXXX, they stated to submit information to them in writing - which I did and I received a letter in the mail that stated the previously reported information was correct and to submit a dispute to the bureaus to dispute and they were unwilling to help me. I submitted information to all three bureaus and received confirmation from XXXX  and XXXX that the late payment was removed from my report - but did not hear back from Transunion, and when I reviewed my credit from XXXX ( a Transunion credit monitoring website ) it appears that the late payment is still being reported. I am looking to get this resolved - XXXX has provided unclear and conflicting information to me about my account and payment and I feel that I should not be penalized for this mistake.

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 2020-06-19
Company: CONGRESS COLLECTION CORP
State: MI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I had private college debt with Congress collection from three years ago. First they put the debt in my credit report then they started the communication. When I talked to them I arranged payment plans. But then I got unemployed then they stopped any communications with me. A month ago they put the remaining balance on my account again without sending letters or calling. I called to tell them I have a hardship and if they need proof so will provide me with the proofs so they can remove the debt from account temporarily until i would be able to maintain my payment again. I was treated horribly the agent and the manager didnt give a chance to explain myself and tell them about my situation. Recently because of vivid 19 my hours were reduced and I applied for the unemplyement. So I told I have a hardship and they need to remove the debt temporary. But no hope. They obviously were so disrespectful. They provoke me and the manager I believe her name is XXXX or XXXX didnt workout any other solutions with me didnt explain anything for. I know for a fact if I have hardship and provide them with the proofs they can remove the debt temporary from my account. But she said no I dont have a hardship and I sound like Im lying. They didnt even bother to ask why I have a hardship whats going on they didn explain anything. Two times the debt was reported to my account with any attempts of communications with me. I was treated so unfair. Both the agent and the manager didnt give me the chance to explain my situation. They just want me to pay in any way. They didnt explain what options I have to avoid the negative account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
Im wondering what can be done about someone ( myself ) who went to a for profit school. I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Its no longer a school. When I was XXXX  I didnt realize I was going to a school that was not accredited. I paid all my private loans in full. I tried contacting Navient loans but as you can probably guess they were less than helpful. 

None of my classes from XXXX XXXX can be transferred to a different school unfortunately. I would literally have to start from square one. I feel that this is fraudulent and not lawful. 

I paid {$38000.00} for a degree I can do nothing with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX  and Transunion should not be reporting a collection/chargeoff in the amount of {$26.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I paid this account in full. At the time there was a late fee that they agreed to waive. Not only did they not waive the late fee, they charged off the account and it is harming my score. This is a violation of the Fair Debt Collection Practice guidelines as well as a FCRA violation. I have tried to contact this company and can't reach anyone or get a return call. Take a look at their reviews and you will see that this is not an isolated situation. Please remove this line item from my credit 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 2018-05-09
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Last week I tried to get my yearly credit report and was not able to get my report from XXXX and experian. I answered all security questions and still no report called the number that was provided no help there

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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the ftc report. If this situation is not handled accordingly, i will seek legal action against you guys.

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 2023-09-14
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
these things are wrong on my report I dont have not late payments and I should not have delinquency accounts at all tell all ur information sources that is wrong and they must provide proof of contract & their info & Id must match attached Id and address of my account must be removed any accounts that doesn't match my current address or name on ID when my credit is ran this is what is being reported from your agency LENGTH OF TIME SINCE MOST SERIOUSLY DELINQUENT ACCOUNT HAS BEEN ESTABLISHED IS TOO SHORT INSUFFICIENT PAYMENT ACTIVITY OVER THE LAST YEAR REVOLVING ACCOUNT BALANCES ARE TOO HIGH IN PROPORTION TO CREDIT LIMITS NOT ENOUGH AVAILABLE CREDIT!!!!! 

this is what is reporting and none of this is true!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
I was reviewing my credit report on XX/XX/XXXX, from XXXX, when I came across my old account from Capital One ( Acct # XXXX ). Previously, I had a charge-off with them. My charged-off account was paid recently with them XXXX XX/XX/XXXX ). When I checked my report, I saw that Capital One has reported, since XX/XX/XXXX, a total of 55 CHARGE-OFFS. The account was charged off years ago ( Sometime around XXXX ) because the account was opened in XXXX. I only have one account with them. The account should have had one charge off from years ago ( XXXX ). I reached out to them ; no one answered my call to clarify or rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I submitted a dispute with Equifax in XX/XX/XXXX. They replied saying speak with XXXX  ( lender ) which I did. XXXX submitted the correct info to the credit bureaus as XXXX updated on the same day reporting the correct info. Equifax updated certain info correctly but is still reporting false info which I have proof of. I submitted another dispute XX/XX/XXXX and Equifax replied the item being disputed has been deleted, however, it did not delete the info I disputed because I can still view this disputed info in my Equifax profile. I've contacted Equifax again by phone today and they reported that they do not see any issues that I'm speaking about. I can not file another dispute because Equifax 's promps won't allow me to proceed. Quick overview, date of my first delinquent payment was XX/XX/XXXX. Property was foreclosed and sold in XX/XX/XXXX. Equifax is reporting payments made in XXXX, XXXX and XXXX of XXXX and 120 days past due in XX/XX/XXXX. Also, the account overview shows the account to be closed but if I view account details it shows the account status as 120 days past due. Here are screenshots proving what I'm saying and a copy of the deed of sale from this property. There was not a deficiency judgment filed so PA law states as of the date of sale I have nothing more to do with this property. Please note conflicting account status and dates on the screenshots from my profile. Screenshots taken XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
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:
This is so annoying! I am so dazed about this situation. I have submitted the same complaints XXXX times already, and you claim Im not the one submitting it. This is so absurd! So Im submitting it again and hopefully you are going to take steps this time. Experian has not been act in accordance with the Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the accounts listed below were opened fraudulently & without my knowledge, consent or authority. I provided them with documents which demonstrated this legal issue but they have ignored these documents. They claim they verified the accounts without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need these accounts blocked/removed from my credit file per FCRA. The accounts are as follows - XXXXXXXX XXXX XXXXXXXX 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 2023-09-14
Company: Data Mortgage Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I was in lost mitigation and was making payments of XXXX the new company has taken over and the information they have is incorrect I have copies of the lost mitigation terms and I have been unable to reach anyone this company has so many complaints with XXXX they need to be shut down.

Company response to consumer: Closed with explanation