BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-03
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I went in to BMO HARRIS BANK to reopen an account with them. They closed my account back in 2019 for being overdrawn for too long. I was out of work and couldn't pay balance. 

I just learned XXXX XXXX that account was closed due to fraud. I asked them to explain fraud and they said I put a fraud check in my account. Which was inaccurate. The check I deposited was from the person. He didn't know they was in the process of closing his account when he wrote me the check as I just found out. They sent him a check with the remaining balance that was in that account and returned any checks he wrote stating account was closed. I explained this to bank representative in location and over the phone but they keep telling me its fraud because I put it in my account and I nor did he know his account was being closed. So NO fraud was committed on this account.

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 2020-03-25
Company: Fay Servicing, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I called Fay Servicing who is my Mortgage company. My loan number is XXXX. I explained to them that due to this Covid-19 Crisis, and since I'm in XXXX and it's become very hard to XXXX  anything to companies that are closed, could they please defer my payments for a couple of month. I am current with my payments. They said they couldn't help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: OH
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:
Dear Sir/Madam, I am writing to formally dispute an account and multiple hard inquiries listed on my credit report. After reviewing my credit report, I have identified an accounts that I believe to be inaccurate or unauthorized. 
I am providing the following details regarding the disputed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Explanation of Dispute : I request that you investigate this matter and remove the disputed account and inquiries from my credit report promptly XXXX As per the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit bureau to ensure the accuracy and integrity of the information on my credit report. 
Please provide me with a written response within the legally mandated timeframe of 30 days. If you find that the inquiry is inaccurate or can not be verified, I request that you remove it from my credit report immediately. Additionally, please send me an updated copy of my credit report reflecting the changes made. 
I appreciate your attention to this matter and the timely resolution of my dispute. Please inform me of any further actions required from my side to facilitate the investigation process. You can contact me at- XXXX if you require any additional information. 
Thank you for your prompt assistance in resolving this dispute. I look forward to a satisfactory resolution.

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 2023-09-12
Company: WELLS FARGO & COMPANY
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was solicited by Wells Fargo for a 'REFLECT XXXX  CARD '' offering 0 % intro APR on charges and balance transfers for 21 months and XXXX annual fee. After applying for, and receiving the credit card, the fine print states there is a {$5.00} or 3 % charge for each balance transfer. I believe this is false advertising. APR, by definition, includes all charges to obtain the credit ( loan ).

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 2021-05-08
Company: CREDIT ACCEPTANCE CORPORATION
State: IN
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:
Previous dispute with Credit Acceptance. I was sent a letter from Credit Acceptance on last dispute, which CLEARLY states incorrect COMPLIANCE DATEXXXX This letter claims XXXX to be XX/XX/XXXX. My report, and payment history REPORTED by Credit Acceptance CLEARLY states XXXX  as XX/XX/XXXX! This is over a year discrepancy, and is ILLEGALLY RE-AGING MY ACCOUNT! 2 attached file will CONFIRM! This is a violation of my rights! Remove account IMMEDIATELY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: GA
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:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 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 relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

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 non-monetary relief
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was in the hospital in the XXXX from XX/XX/XXXX to XXXX XXXX a XXXX XXXX XXXX from XX/XX/XXXX XX/XX/XXXX due to XXXX. I was not alert or oriented except for the last two days of my hospital stay, I was XXXX and in a XXXX. My husband who has never paid the mortgage never thought about XX/XX/XXXX mortgage because at the time they were not sure if I was going to live or die and he has never paid the mortgage. 

However, on XX/XX/XXXX he called in to make the XXXX payment at the advisement of our children and found out that he needed to make XXXX 's payment as well. He made both payments that day. 

XXXXXXXX XXXX hit both of our credit reports with a 30 day late mortgage. Once I found that out I contacted XXXX XXXX in XXXX of XXXX and got up to the supervisor of the call center, She pulled the tape recording of my husband calling in on the XXXX, and said since he did not tell her I was in the hospital with XXXX  at that time they can not change our credit report. They did not ask my husband why the payment was late either. My husband didn ; t know he needed to tell the bank I was in a XXXX XXXX XXXX due to XXXX. If he had known that they needed that information he would have given them that information. I was so upset because she said that had he told the call center at the time it wouldn't have gone on our report but because he did not they will not remove it. 

I was vaccinated and boosted and still ended up with XXXX, XXXX XXXX, and XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We have XXXX children and 5 dogs that my husband was trying to balance with the real possibility that I was going to die. 

We had a significant reduction in our credit scores because of this reporting. We are trying to refinance our home to use some of the equity because I could not work for several months, and just now I am back to work and working up to full-time. My husband served our country in the XXXX for 30 years and this is how we are treated? If he told them when he called in XX/XX/XXXX they would not have put it on our credit report but since he did not they will not change it. I have a full medical report to go with statement of XXXX and XXXX and XXXX XXXX. I also had 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 2023-01-25
Company: Kriya Capital, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a notice from my bank that suspicious activity was detected on my credit report. Upon reviewing the notice, it became apparent that Credence Resource Management ( " XXXX '' ) reported an alleged unpaid balance to XXXX. However, XXXX never contacted me regarding an unpaid balance, which is a violation of the CFPA. Additionally, the debt itself is illegitimate and fraudulent, which I have tried to correct with two prior collections agencies. In both instances, those agencies removed the mark from my credit report because they were unable to prove the validity of the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
{$9400.00} was taken out of my accounts checking and credit card. By a person named XXXX XXXX on XX/XX/2023 {$4900.00} XX/XX/2023 XX/XX/2023 someone transferred from shares XXXX $ {$3400.00} to my checking account XX/XX/2023 {$4500.00} he took {$4500.00} XX/XX/2023 my credit card cash avd was hit I need help, because the NFCU has not put this money back into my account. 
I had reported this to them, as soon as this had happened On or about XXXX XX/XX/2023. 
when I was not able to get into my account on line. 

I have went 3 days without with real answers, onhow to fix this problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-30
Company: Westlake Services, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX closed their company and sold my personal information to this company Westlake Portfolio Management without my consent. Pursuant to 15 USC 1681 4 the company has no permission to report any using my personal information. 
These companies are violating my consumer rights to privacy pursuant to 15 USC 1618 b 2. I don't know anything about this company and I never gave any consent to open a account under my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Please know that due to covid pandemic we fell behind on our mortgage loan. The company requested personal and financial information for over a year and we always complied. 
we were then told that we had to make XXXX trial payments before our loan would be modified. 
we made all payments on time and then XXXX  days later we got a notice from the lender that our loan is in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I hope this letter reaches you well. I am writing to express my continued concern and frustration with the unresolved issue of the late closure of my account. Despite my previous attempts to address this matter, it has regrettably not been rectified. 

I had initially reported this issue, and despite assurances, the late closure of my account remains unresolved. This situation is causing me significant inconvenience, affecting my financial planning, and has led to frustration on my part. 

Ensure a thorough second attempt to promptly rectify the late closure of my account. 

Improve communication regarding the status of the account closure. I request timely updates on the progress made and the expected timeline for completion. 

Given the extended delay and the inconvenience caused, I kindly request that you consider appropriate compensation or accommodations for the inconvenience experienced. 

I understand the challenges associated with account management, but I emphasize the importance of a swift and effective resolution to restore my confidence in your institution 's services. I am asking for your assistance to remove these ACCOUNT in my credit file : XXXX XXXX XXXX Balance : {$5900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I trust this letter reaches you promptly. I am writing to reiterate my deep concern and frustration regarding the delayed opening of my accounts. Despite my initial complaint the issue remains unresolved, causing significant inconvenience and distress. 

I understand that unforeseen circumstances can lead to delays in processing, but the prolonged nature of this situation is impacting my financial plans and causing undue stress. 

I am making a second attempt to request the following actions be taken urgently : Expedite the process of opening my accounts and ensure their activation at the earliest convenience. 

Improve communication regarding the status of the account opening. I request real-time updates on the progress made and the expected timeline for completion. 

Given the extended delay and the inconvenience caused, I kindly request that you consider appropriate compensation or accommodations for the stress and financial disruption experienced. 

I emphasize the urgency of resolving this matter promptly. Your institution 's commitment to customer satisfaction is crucial in maintaining a positive customer-business relationship. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX Balance : {$170000.00} ; XXXX XXXX Balance : {$35000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: Nelnet, Inc.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Y years ago I was contacted by nelnet my lender and I was told that I I was approved for totally XXXX   XXXX XXXX and I I started The prossess now Im still in the process and 18 months ago they dropped me off forbearance And said I was late 90 days and I.got right on it and they removed it and And this year in XXXX they did something saying that I was 90 days late but it shows the three months before XXXX, XXXX and XXXX were on time and in XXXX they dropped me off forbearance again and they wont remove it and the worst part is they are the ones doing my XXXX and they know theyve been working on this the whole time? Its bull they keep sending me letters saying they need me to send them this agin and then they have to have it hung Ive sent 3 times and it twas approved 2yrs ago

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In person deposit at BofA of two cashier checks with values of $ XXXX and $ XXXX from XXXX and XXXX XXXX. BofA applying a 6 business day hold.

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 2020-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2015-05-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I never gave my authorization for this dealership to pull my credit XXXX different times. I sent them a certified letter to have the proof of my authorization to pull my credit. I have a receipt to show they did receive the certified letter, gave them over XXXX days to respond but they have not sent anything back nor contacted me. I now would like to take action against them. I have attached all corresponding letters with the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Diverse Funding Associates LLC
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:
On XX/XX/XXXX I make arrangements with XXXX XXXX XXXX XXXX pay $ {$650.00} for 3 months adding to the amount of {$1900.00} of the total Balance of {$3900.00} I had with XXXX Bank I make the first payment on XX/XX/XXXX. Went I called on XXXX to make the second payment they informed me the account was closed and needed to call XXXX. When I called XXXX they told me the same and for that reason they couldn't take my payment. 
After several months they sold my account again and reported me to the credit report and did not honored the arrangement I made legally in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Debt is a result of identity theft XXXX XXXX XXXX Account # XXXX Opened XX/XX/2021 Balance XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Debt not mine I was a victim of identity theft.

Company response to consumer: Closed with explanation