BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-30
Company: SANTANDER HOLDINGS USA, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XX/XX/XXXX I was selling an arcade on XXXX marketplace for {$100.00}. A guy was willing to pay me through XXXX and needed my name and email address, which I felt uncomfortable doing but apparently thats how you add people on XXXX so I gave it to him. He claimed he sent me the money but then I got an email stating that my XXXX account is not a business account so he needed to give me an extra {$400.00}, then I send it back. Since it was my first time using XXXX I thought it was weird having to do that but I figured that at least I wouldnt have to do it again. So I sent him {$400.00} but it was obvious in my bank account that my money left the account and no money came in. And then I got another email saying that I needed to give him another {$500.00}. I did not do it of course, but I called my bank to file a dispute. I got a letter in the mail stating that my dispute was denied because I had authorized it. Yes technically I did, but seriously, who intentionally pays scammers? Theyre tricky that way! I was also told to try to contact the guy to ask for my money back but his email is no longer active. And come to think of it I think he could see how much money I had in my account because I dont know how they would know how much money would be in or out of my account after all the transfers.

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 2022-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I was trying to cash cheques I did not know the cheque was fraudulent and I sent the money via XXXX back to the person who gave me the cheque, the cheque then was returned after funds had cleared and took all the money I had in my account and that I had saved for, XXXX only XXXX and XXXX realised what was happening until {$1700.00} was gone. I told the bank and filed a police report and the bank now says theres nothing they can do as it wasnt fraud and that I willingly transferred the money but if the cheque hadnt have cleared I would have known it was fraudulent. Surely its partially the banks fault for letting the cheque clear

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 2018-03-12
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a new savings and checking account using a promotion that I received in the mail the last day of XX/XX/XXXX. For the savings account, I was supposed to receive a {$200.00} bonus if I deposited {$10000.00} and maintained that for three months. On XX/XX/XXXX, after the trial deposits were confirmed, I moved the funds over as I was instructed to. On XX/XX/XXXX, I was charged an unexpected service fee on the saving account ; however, I then deposited extra funds to maintain the average daily balance of {$10000.00}. 

I contacted the customer service line twice. The first time I was told that after the three months, it sometimes takes a statement cycle or two for it to show up. On XX/XX/XXXX, I again contacted customer service and was told that I would have needed to deposit the {$10000.00} on the day it was opened. When I told them that the banker had said that as long as I transferred the funds shortly after the account opening date ( the trial deposits were confirmed on XXXX and I transferred the funds on XXXX ), it wouldn't be a problem. I was then told by customer service that I would need to directly contact the banker who opened the account for me at the branch. That same day I emailed the banker, XXXX XXXX, and provided the information above. XXXX XXXX almost immediately replied that he would work on getting this resolved. That email from XXXX XXXX on XX/XX/XXXX was the last time I heard from him. I have followed up on XX/XX/XXXX and XX/XX/XXXX, and I have not yet received a response. 

The balance in the account remains over {$10000.00} as of XX/XX/XXXX. XXXX XXXX stated that they needed to keep the copy of the promotion mailer for the file, so I no longer have it in my possession.

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 2023-10-03
Company: Home Loan Center, Inc.
State: OK
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I attempted to take a loan out through a company called lending tree. They requested my accounted information, which I naively gave them it, because of that, they tried to deposit fake checks. Those XXXX fake checks put my account in the negative at an amount of XXXX and got my account frozen. I am currently in the process of going through a compliance committee in order to get my bank account reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 have written Trans Union and XXXX several times about reporting me as an authorized user on several accounts that do not belong to me. They remove some, then new ones pop up.

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 2023-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name : XXXX XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2022-12-21
Company: TekCollect Inc.
State: PA
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:
XX/XX/2022 I reached out in regards to his complaint multiple times with this company and have yet to remove any items on my credit report. Per 15 USC 6801-6805 I can opt out, especially if I did not have clear disclosure to reporting and 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. I also included everything down below in the letter explaining my concerns. You all have violated my privacy and my personal information and must do whats right to the consumer upon request. Thank you, see attachments below sent off the following credit bureaus please remove me from all credit reporting agencies and update my report properly. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Cascade CISS Holdings, LLC
State: MA
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:
I have a hard inquiry for a XACTUS, LLC that I did not authorize on XX/XX/2022. I have been told it is in relation to a mortgage request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: MoneyLion Inc.
State: PA
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:
XX/XX/2022 I reached out in regards to his complaint multiple times with this company and have yet to remove any items on my credit report. Per 15 USC 6801-6805 I can opt out, especially if I did not have clear disclosure to reporting and 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. I also included everything down below in the letter explaining my concerns. You all have violated my privacy and my personal information and must do whats right to the consumer upon request. Thank you, see attachments below sent off the following credit bureaus please remove me from all credit reporting agencies and update my report properly. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a home mortgage with Loan Care. Beginning in XXXX of 2022, Loan Care began to place my monthly mortgage payments into a suspended credit account. I called and the issue resolved. 

In the months that followed, each monthly payment I made was placed into a suspended credit account and was not applied to principal, interest, or escrow. I had to call each month to resolve the issue. 

Two payments processed in XXXX. The payment processed on XX/XX/XXXX was not applied to my XXXX balance ; rather, it was once again placed into the suspended credit account. On XX/XX/XXXX, I sent an email to Loan Care asking them to please apply the suspended balance to the actual mortgage payment due. In that email, I told them that I was so tired of dealing with this issue that I would be seeking refinancing with another mortgage company. 

I received conditional approval from another loan company - except my Loan Care mortgage showed that my XX/XX/XXXX payment was unpaid and overdue. I called Loan Care on XX/XX/XXXX, and was assured by a call center worker that the suspended balance would be applied by the end of business on XX/XX/XXXX. As of today, XX/XX/2022, Loan Care shows my account overdue by 50 days, while the exact amount due on XX/XX/XXXX ( {$1100.00} ) is shown as a suspended balance. I called again today and was assured once again that it will be addressed. 

I am trying to finalize a mortgage elsewhere because of this exact issue. I am extremely hesitant to make my XXXX payment, as I have no faith that it will not be sent to suspended balance purgatory with my XXXX payment.

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 2023-10-02
Company: National Credit Systems,Inc.
State: OH
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Attached hereto are exhibits irrefutable evidence of facts showing forth both agencies acts of civil conspiracy, consumer law violations, abusive and fraudulent debt collection practices, failure to rebut consumer XXXX XXXX affidavit of truth within applicable reasonable timeframe, and said consumers attempts to exhaust all legal remedies prior to litigation. 


Consumer XXXX XXXX is aware that NCSI has recently already been penalized by CFPB for participating in such abusive debt collection activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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 Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 Have no knowledge of this account, XXXX XXXX XXXX # XXXX, but it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation! 

According to 15 US Code 681s-2, a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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: OH
Product: Credit reporting 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
On XX/XX/19, I received an alert from my credit card ( capital One ) asking if I had made the following transactions. At a XXXX XXXX XXXX # XXXX for ( 2 ) purchases of {$310.00} each, and another XXXX XXXX XXXX # XXXX, in the amount of {$500.00}. I answered the text " NO ''. Then on XX/XX/19 I noticed that these charges were put on my credit card account, I called Capital One and asked why, they said that the merchant had requested payment for these charges. I asked Capital One to dispute them, and still the charges remain on my account. I received a letter from Capital One, saying that the investigation of the fraud had been resolved, I have attached a copy of this letter from Capital One. I also am attaching the charges that were posted to my Capital One account. I dont ' understand why Capital One pursues me to pay for these charges, I was not the one that made the purchases, on XX/XX/19. And this credit card has not been used by me to purchase at XXXX XXXX, I actually use another card from another bank, for those purchases. I would appreciate your office looking into this, and see if it can be resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
CapitalOne 360 was contacted by the secondary account holder on XX/XX/2021 to dispute a BillPay transaction for {$200.00}. The merchant stated in email on XX/XX/2021 that they did not receive the BillPay check. Primary account holder then paid the merchant a second time using ACH to settle the account. CapitalOne 360 states that the check was posted on XX/XX/2021 and to contact the merchant. A proof of payment was received by CapitalOne 360 via email on XX/XX/2021. The proof of payment was sent to the merchant and the merchant stated they did not receive the check and that it was missing an endorsement they always use XXXX the proof of payment has no endorsement ). Primary account holder contacted CapitalOne 360 on XX/XX/2021 to open the dispute filed the previous week. During the conversation with representatives of CapitalOne 360, the representatives refused to offer solutions stating it was the merchants issue and to contact merchant. When primary account holder asked to escalate the claim, she was hung up on by the representative. She called back and spoke to a different representative who said that CapitalOne 360 would not refund the money as it is an issue with the merchant. After asking to speak to a manager and escalate the situation, the primary account holder was hung up on a second time. Attached documentation includes phone log showing attempts to settle with CapitalOne 360 and emails between the account holders with merchant and proof of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
TRANSUNION, 1. YOU ARE LYING WHEN YOU SAY YOU ARE " VERIFYING '' THESE ACCOUNTS. I WROTE YOU MANY TIMES BY CERTIFIED MAIL 2. AND YOU REFUSED TO ANSWER within 45 days. THAT IS ILLEGAL. By law you must remove all false information when you refuse to respond in time. 

A. XXXX XXXX- not my account XXXX XXXX- not my account. See evidence belongs to XXXX " XXXX '' XXXX. I don't have a middle name. YOU'VE LIED MANY TIMES SAYING YOU VERIFIED THIS ACCOUNT WHICH IS NOT IN MY NAME. 
XXXX XXXX- not my account XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) of them. Not my 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 non-monetary relief