BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Dear CFPB I hope this letter finds you well. I am writing to address a matter of great concern regarding the reporting of XXXX accounts on my credit report. Specifically, I am requesting the immediate removal of the following accounts : XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX I have previously corresponded with TransUnion and XXXX XXXX these accounts and have diligently provided documentation from The Department of Education to support my request for the update of their status to " Paid as Agreed. '' Despite my efforts, the response from TransUnion has been dismissive, suggesting that both the accounts and my concerns are frivolous. 

In an attempt to address this matter comprehensively, I submitted a second dispute letter to TransUnion as well as XXXX, presenting a different approach and providing additional supporting documents. Unfortunately, I recently received a letter from TransUnion asserting that the accounts in question are accurate and verified. Furthermore, the letter stated that TransUnion will no longer reinvestigate these accounts. 

I am writing to express my deep dissatisfaction with the handling of this dispute and to reiterate my request for the immediate removal of the mentioned XXXX accounts from my credit report. It is disheartening to encounter such challenges in attempting to rectify the reporting discrepancies on my credit profile. 

I urge TransUnion to reconsider its stance and to conduct a thorough and impartial review of the information related to these accounts. The provided documentation from The Department of Education should be given due consideration, and the reporting on these accounts should accurately reflect their current status. 

The Fair Credit Reporting Act ( FCRA ) empowers consumers to dispute inaccurate information on their credit reports, and I trust that TransUnion and XXXX will honor this right by conducting a fair and unbiased reevaluation of the XXXX accounts in question. 

I kindly request that TransUnion and XXXX provide a timely and substantive response to this matter. Your cooperation in this regard is essential in ensuring the accuracy and fairness of my credit report. 

Please send written confirmation once the necessary updates have been made to my credit report. 

Thank you for your prompt attention to this matter.

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 2024-02-02
Company: Atlanticus Services Corporation
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I'm trying to opt out of email advertisements- but the links aren't working to unsubscribe. when I tried the link to the card it didn't take me to the credit card link either to try and contact them directly, so I could not contact them directly after making an attempt. 

by not providing a valid opt out link they are in violation of the can spam act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
A fraudulent business account in my business name was created at BMO US. I received an email at XXXX XXXX on XX/XX/. I received two more emails at XXXX XXXX stating that my contact information had been updated. I have called the phone number on the email, and it connects me to BMO XXXX and they do not have an account for my business. The account was opened with Harris BMO US. 

I have been on a call with around 6 agents, and not one of them has been able to fully address the situation- whether the account has been frozen or not. It seems like BMO US is seeing a lot of fraudulent activity ( based on XXXX posts ). It seems like Harris BMO US has not done anything to rectify the situation.

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 2024-02-02
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
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:
After XXXX years of making timely payments on my XXXX loan for a travel trailer with Bank of the West , I encountered issues when they merged with BMO. Due to a disconnect in their systems, my monthly autopay was disrupted without any notification. As a result, my account was sent to collections after XXXX months of missed payments. Despite promptly settling the full amount once contacted, BMO has refused to remove the negative impact on my credit record, stating the reason is that I should have noticed this while balancing my checkbook. I don't even have a checkbook! 

Is any recourse available to remove this derogatory mark from my credit history?

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 2023-12-11
Company: MOHELA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I requested a refund for all payments I made during COVID forbearance on XX/XX/. My loan servicer ( MOHELA ) returned parts of the payment and my loan balance was restored to the amount owed pre-covid within a few weeks, but there are still {$800.00} of refund missing. The {$800.00} consisted of payments made towards XXXX ( the servicer I had before the loans were transferred ). Despite telling me that refunds will be issued within 60-90 business days, I still haven't received the fund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31
Company: CITIBANK, N.A.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have XXXX dollars in bank account and they refuse to give to me because they couldnt get me verified. I have given social security. DOB, address, drivers license, security code and they called my phone and I provided a code. They said none of my informations matched their system but when they hung up on me, the next person said it was correct. I waited XXXX weeks for paper to come to address on file and provided the reference code to unlock account and they said it still wasnt good for them. I told them that this is fraud that they are stealing my money and I seek damages as well since Im having to deal with this. This Citi bank is fraud and they are stealing my money. XXXX trying to get my money that is in the account back and I am done with this scam company. They will not give me my money back. XXXX weeks now Ive been trying. Today is XX/XX/year> Citi bank 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 2024-02-08
Company: Experian Information Solutions Inc.
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:
According to Fair Credit Reporting Act 15 USC 1681 section 602, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Experian and XXXX are consumer reporting agencies that should ensure my right to privacy as a consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. Experian and XXXX do not have my consent to furnish this information and surely do not have my written consent. Any consent to Experian and XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states, " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- -- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) never informed me of my right to exercise my nondisclosure option.

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 2024-02-06
Company: FIRST NATIONAL BANK OF OMAHA
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
FNBO has been repeatedly calling and harassing me sometimes several times a day. I have counted 10 calls from various areas in the country since WEDNESDAY. Normally I make my payments on time, but I am going through a medical crisis/family emergency right now and I want FNBO to STOP harassing me. I intend to catch up my account soon and pay the remaining balance off. Its absolutely unacceptable the amount of calls I have gotten from this company ( and emails ) in less than a weeks time and the legal limit is 7 calls per week.

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 2024-02-05
Company: Leaders Financial Company
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Purchased a used truck through a loan with Leaders Financial in 2020. Completed the term of the loan with some late payments and paid the additional fees for late payments. The company is still charging me additional interest on the loan even though I paid ALL LATE FEES and made my last payment on the month it was due. They are calling it additional interest on the loan because of late payments. 

I feel it is unfair to charge me a late fee as well additional interest on a loan that did not go past the intended completion date. I consider it double dipping. Apparently, I am not the only person they do this to as the customer service rep that I spoke to stated that they get a lot of calls about this same issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: MOHELA
State: CA
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 submitted an IDR repayment plan request on XX/XX/XXXX. I checked the documents received in MOHELA account on XX/XX/XXXXXXXX  and the IDR plan application said cancelled but did not say when it was cancelled or why. I was never notified of this and there was no explanation as to why it was cancelled. They also sent me an email on XX/XX/XXXXXXXX  that I have missed a payment of {$170.00} on XX/XX/XXXXXXXX  but when I called Mohela said I was on forbearance till XXXX  however my account showed a missed payment. The information is not aligning and I should not have been charged a payment in XX/XX/XXXX. Mohela never notified me about the status of my IDR application and notified me through phone my account was on forbearance till XXXX  but then charged me a missing payment on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05
Company: M&T BANK CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the loan closing

Complaint:
M & T Bank closed my account over night after final payoff was made. They have no responded to my two ( 2 ) requests for : 1 ) Final accounting 2 ) Where are my escrowed funds 3 ) When will satisfaction of mortgage be recorded. 
They have removed my ability to view any information whatsoever- they closed my on line account and have provide NO INFORMATION WHATSOEVER. 

This is vital information for me as my real estate taxes are due this month and I am relying on escrowed funds to make the half year tax payment. 

I have receive no reply to my requests and received no information ; have not received escrowed funds ; a satisfaction has not been recorded.

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 2024-01-18
Company: SYNCHRONY FINANCIAL
State: AR
Product: Credit 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:
I still can't get support from Synchrony. Synchrony doesn't offer to reply to my complaint. I have emailed them numerous times, they refuse to reply. They are not replying to CFPB either.

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 2024-02-02
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Citibank XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Called and spoke to XXXX says she is not allowed to give her employee number.

I have 2 Citibank credit cards. Each one has its delegate statement to make payments. I called today ( XX/XX/24 ) to make a payment on my XXXX card for {$83.00} and gave me a confirmation of XXXX. Their automated system gave me the balance for the other card that I have XXXX. I called the office to ask them why didnt my payment get credited to the correct account and they told me that there is nothing they can do. So 1 credit card XXXX has No payment and the other car XXXX has 2 payments. This is the 2nd time this banks system failed me. This same thing happened to me with this same bank applying 2 payment to the same account. Someone needs to do an audit on them. I should not have to keep calling g them back to fix something that their bank messed up. Look at all the customer complaints filed on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX complaints closed in last 3 years XXXX complaints closed in last 12 months Enter XXXX XXXX  Rating is XXXX XXXXXXXX XXXX XXXX New York address : XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX Email this XXXX phone number : ( 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 2024-01-31
Company: Experian Information Solutions Inc.
State: MO
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:
Another lie, THEY NEVER WORK ON ANYTHING EXCEPT LYING AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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 2023-12-13
Company: EdFinancial Services
State: MA
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:
My legal first name has been updated on all identification and financial documents, aside from my XXXX loans held by EdFinancial. I have submitted requests for my first name to be updated along with all supporting documents of legal name change for over a year now and the change has yet to be made. I have an email to EdFinancial dated XX/XX/2022 requesting a timeframe for this update to be made as well as their response stating it will take 7-10 business days.

In the XXXX days since this email, my loans or correspondence related to my loans have yet to be updated to show my legal first name. In the over 600 days since my initial request, I have submitted additional requests via EdFinancial 's " inbox/upload documents portal '', called their customer service line, emailed their customer service line, and attempted online chat numerous times to no avail. 

In my most recent email requesting attention be paid to this issue, I was told that it would take an unknown period of time to resolve. 

I am a transgender individual and I want to emphasize how degrading it is to be made to pay a bill to EdFinancial every month using a name that is no longer accurate ( or legal ). My requests are continually ignored. They have no support for individuals like myself who are simply asking for the most basic respect of being called the correct name.

Company response to consumer: Untimely response
Consumer complaint received 2023-12-18
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: Account information incorrect

Complaint:
These companies are reporting inaccurate information. some of the dates and amounts don't match across all credit agencies. They have also violated the privacy act of by furnishing my information without my permission. The fact that my credit reflects my student loan information is also a violation of the Family Educational Rights and Privacy Act ( FERPA ). there should only be XXXX address on my credit report in XXXX, Ga all other addresses should be removed. the rest are NON DELIVERABLE ADDRESSES. There should only be XXXX phone number on the account ending in XXXX.

Company response to consumer: In progress
Consumer complaint received 2024-02-02
Company: WELLS FARGO & COMPANY
State: TX
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:
In XX/XX/2020 my rental car was broken into & my personal belongings were stolen along with purse. In my purse was my social security card, my veteran ID, my drivers license, & my passport. 

Accounts were opened in my name in XXXX  that I did not authorize & now its reflective on 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 2024-02-01
Company: U.S. BANCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XXXX I opened a XXXX XXXX with a US Bank agent. I open this account for a {$500.00} bonus incentive. When I went to fund the account via XXXX it was rejected. I called US Bank only to learn that they closed the account ( I received a check book for this account ) without my knowledge nor consent. They then reopened the account again without my knowledge. I had to send in the signature card as there is no branch in NY. Then I funded the account with over {$7500.00} & did a direct deposit which was a requirement for the bonus. I fulfilled all the necessary actions for the bonus. I have called numerous times to inquire when I would be receiving the {$500.00} bonus, I was informed that I am not getting the bonus as this new account was opened in XXXX & the bonus was only in XXXX & XXXX. I was scammed as the original account was opened in XXXX & a US Bank agent added a new code ( XXXX ) to my account to insure that I got the bonus. I am a victim of fraud, & US Bank CEO ( XXXX XXXX ) ignored my emails. I would like you to investigate this issue as I am entitled to the {$500.00} bonus ( which is the only reason I opened this XXXX XXXX account. Thank you

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 2024-01-19
Company: Park Hill Holdings
State: MO
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 am a victim of identity theft. I have an incorrect address on my tenant screening report that I've never lived at XXXX XXXX XXXX XXXX XXXX, GA XXXX before.. There is showing a rental balance. I have filed a report for identity theft and have already contacted the company, I did not receive a response. I am requesting for this to be removed from my tenant report. If is not removed I will sue for, as this is negatively impacting my credit. The tenant obtained this apartment with my identity as well as false documents to obtain the lease. The landlord did not properly investigate and research before lending this apartment out to the tenant which is extremely negligent. This could have been prevented had the landlord properly reviewed the documentation. If not removed I will sue for negligence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01
Company: The Sayer Law Group, P.C.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/ I received mail from Sayer Law Group, PC a debt collector stating I owe a debt ( account number XXXX ) which is a violation under 15 USC 1692b ( 2 ). Sayer Law Group, PC is in violation 15 USC 1681 ( b ) infringing on my rights to privacy. Sayer Law Group, PC is in violation 15 USC 1692e ( 10 ) by using false representation and deceptive means to coerce payment of alleged debt. Sayer Law Group, PC use profane and obscene language stating the word owe and stating the word debt, which is a violation under 15 USC 1692d ( 2 ). Sayer Law Group, PC is in violation by using deceptive forms 15 USC 1692j to collect alleged debt. Sayer Law Group, PC is in violation of 15 USC 1692f ( 8 ) by using symbol on envelope by their address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation