BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Problem with customer service

Complaint:
I utilized my money order to settle the debt with the company and they have not been answering me and they have taken my money and not applied it to the principals balance. TransUnion stole my money

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 2018-10-21
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I opened a checking account with BMO Harris Bank and opted in to " overdraft protection '' however after several attempts and even causing me to be stranded they will NOT allow me to overdraft account for purchases or via atm such as other banks do up to a certain amount with fees for the overdraft BMO Harris refuses to allow my account to overdraft and I was stranded one time also BMO Harris bank promised to provide a {$200.00} just for opening an account in 90 days however did not do so and even promised {$50.00} for enrollment into paperless statements and refuse to do so they need investigated for false advertisement I was never told by Branch Manager in XXXX Ks for the {$200.00} u must have {$600.00} in deposits each month for the {$200.00} reward bonus until I called BmO bank customer service and learned that they are a XXXX bank I encourage anyone reading this to utilize another bank!!! Shame on BmO Harris Bank

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 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I noticed an inquiry from check into cash on my Trans Union report and I never remember going into XXXX XXXX XXXX or inquiring to XXXX XXXX XXXX for a loan. I contacted the customer support email with the problem and they sent me a number to call, XXXX XXXX XXXX I called them about my problem, and they tried searching up an account with my social attached and said there was nothing coming up and there wasnt anything they could do they said to call XXXX XXXX XXXX but thats what I contacted in the first place. They gave me a number and I went straight to voicemail XXXX on a Wednesday.

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 2019-06-12
Company: Halsted Financial Services, LLC.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Halsted Financial Services XXXX XXXX XXXX XXXX IL XXXX has been repeatedly robocalling me for over a month. It is a scam to attempt to get people to call back. When you answer the phone it is silent for 10 seconds then disconnects the call every time. This is unacceptable and a scam. This company should not be calling my phone multiple times a day from different spoofed numbers and then hanging up when I answer. 
When I finally called back the representative at first refused to give me the name of their company or their mailing address. I requested to speak with a supervisor and was placed on hold. 5 seconds later the representative disconnected the call. 
I called back and demanded a supervisor who finally gave me their company name and address, but had no explanation for the spoofed robocalls and in fact denied that their company even uses robocalls. This is a blatant lie and misrepresentation by this company. There is no other explanation for the frequency of the calls and the fact that every single time you answer it hangs up. 
This company is obviously not following the fair debt collection practices act in the letter of the law or the spirit. They did not even provide me with the mini Miranda stating that this is an attempt to collect a debt. This is unacceptable behavior and the company needs to be held accountable.

How many people has this happened to who do not know what is allowed under the law? This can not be allowed to continue.

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: Experian Information Solutions Inc.
State: WA
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 made all my truck payment on time since XXXX of 2017. That's when I took out the Loan never Missed I payment till XXXX. I had a death in the Family and could not make the Payment by the due date. I contacted XXXX XXXX and told the money was not in my checking account for the XXXX XXXX payment. The payment was due on the XX/XX/XXXX but since I had auto payment the payment was moved to the XX/XX/XXXX. I made a double payment on the XX/XX/XXXX, Then on the XX/XX/XXXX XXXX XXXX took out of my checking account another Payment for XXXX which is the XXXX payment so if they take the auto payment out on the XX/XX/XXXX of Month for the last 17 Months why would my payment be 30 Days Late if I made the payment on XX/XX/XXXX That is 30 days and they can not call it late till the XX/XX/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 2023-12-06
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify 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 explanation
Consumer complaint received 2019-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I called Capital One Bank to report my Capital One Bank credit card lost/stolen. Capital One Bank sent me a new card with a new account number, but I am not able to use my new credit card while Capital One Bank Fraud Department is investigating the fraudulent charges on the previous account. Capital One Bank is holding me liable for fraudulent charges that are not my charges and are fraudulent charges thats unauthorized and not my charges. My liability under the Fair Credit Billing Act ( FCBA ) for unauthorized use of my credit card is {$50.00}. Capital One Bank is holding me liable for over {$300.00} in unauthorized and fraudulent charges. Thats illegal and unlawful. Capital One Bank is violating the Fair Credit Billing Act under federal law. They are in violation of The Fair Credit Billing Act ( FCBA ). The fraudulent charges are unauthorized and not my charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
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 inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: PayActiv, Inc.
State: ID
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
So I got a job in XXXX Idaho employers name is XXXX XXXX  long story short I never received pay and still havent received pay from my work. Apparently all my earnings were put on a prepaid card that I have never been able to access that I was never physically given a card I have called at least XXXX times trying to get my money ending up going nowhere each time except for the last time a gentleman told me that they would be able to send it to XXXX and I could pick it up that someone would be calling me within the next days this was on XXXX XXXX I spoke with Payactiv customer representative I believe I started XXXX sometime in XXXX of this year 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: EQUIFAX, INC.
State: MS
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:
Equifax is not honoring their duty of accurate and correct reporting on my credit report. Equifax is inaccurately reporting a late payment on my credit report for the XXXX XXXX XXXX  account ending in XXXX. This includes a 30 day late payment reporting on XXXX XXXX XXXXXXXXThis is not correct and should report PAID AS AGREED. According to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report doesn't contain information solely as to transactions between between the consumer and the individual making the report. A transaction constitutes these late payments resulting in Equifax completely violating my consumer rights. I did not give Equifax my expressed written consent, instruction, or permission to furnish these fraudulent late payment reports on my file which violates 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that equifax has violated my consumer rights which are federally protected under the FCRA. This inaccurate reporting is harming me and my reputation resulting in discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Have not received any information as to the status of my accounts in relationship to the recent settlement. 

I have contacted the bank and they told me they could not help me find out the status as to whether or not my accounts are impacted. They said I would have to do that on line which I thought might be disinformation or poor customer service at best. 

All i would like to know is if my accounts are applicable to the settlement and what are the next steps. 

Thank you for your time an attention

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
At least one Bank of America savings account was opened using my personal information, without my consent. I am not a Bank of America customer, however, in XXXX, my parents, who live nearly XXXX miles from me in another state, received a piece of mail addressed to me from Bank of America. I went into a local branch in XXXX XXXX, Florida when I was made aware of this. While at the local branch, I spoke with a branch manager and closed the account. I filed a fraud claim at that time. However, over the past few months since then, my parents continued to receive mail from Bank of America, including a debit card linked to the account I had closed and reported for fraud. Once again, I called Bank of America to report fraud. 

Most recently, my parents received another piece of mail from Bank of America on XX/XX/XXXX. When they informed me of this, I immediately went into a local branch to discuss my serious concerns once again with the branch manager. They confirmed that someone attempted to open an account at least three additional times using my information, despite me informing them that no one should be able to open an account with my name or social security number. They allowed funds to be deposited into this fraudulent account and withdrew funds from the account that I was liable for paying ( a monthly maintenance fee ), despite not having opened the account in the first place. This has caused me hours of unnecessary pain and suffering, as I have spent hours in person, on the internet and on the phone dealing with fraudulent activity related to Bank of America. I have since opened an XXXX XXXX account to prevent future cases of fraud related to this. I would like to be compensated for the time, money and energy invested to dealing with 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 explanation
Consumer complaint received 2023-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
This was for a Business credit card through Bank of America. This was an inquiry that I did not authorize for a hard pull on my behalf. My personal credit is being affected by 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 explanation
Consumer complaint received 2022-04-18
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
In XXXX, I rented a room at XXXX XXXX XXXX, XXXX IL XXXX from XXXX XXXX. 
I paid her a deposit of {$600.00}, and she opened a savings account in my name at Chase Bank, Account # XXXX. 
In XXXX, I moved, and XXXX XXXX gave me a check for my deposit in full, but she forgot to close the savings account. I continued to receive mail from the bank about the account. I tried to close the account and get her money so I could give it back, but the bank refused to give me the money or close the account. 
XXXX XXXX sent me a letter telling me that she did close the account, after I informed her of this situation. 
After that I continued to receive mail from the bank telling me that the account was still open. I attempted, several times to close the account, but the bank refuses to close the account, or provide me with a letter stating that the account is closed. 
Their final answer is that they refuse to close the account or provide me with a letter stating that the account is closed. 
I do not pretend to know what corrupt purpose is served by maintaining an account with my name on it which I can not access or close. 
Perhaps the bank needs to be fined in order to get the attention of the person who can provide written proof to me that the account is closed. Otherwise they refuse, and it does not seem like it could be legal to maintain an account in my name against my will.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: LEXISNEXIS
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: Was not notified of investigation status or results

Complaint:
To Whom it may concern my name is XXXX XXXX. I am the person who is filing this complaint on my behalf. On XXXX I sent a letter regarding inaccurate and fairness things on credit report. To this day over 45 days later I have not received a response yet. I feel like im being taken advantage of and being taken advantage of and being ignored of my disputes. According to the FCRA Act 15 U.S Code 1692 Truth and Lending ( a ) ( 4 ). It is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: EQUIFAX, INC.
State: WA
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:
Equifax has refused to fix inaccurate personal information in my credit file after multiple complaints with the CFPB. I notified the CFPB that Equifax had been publishing the name variation of XXXX XXXX XXXX on my credit file, which was causing several of my accounts to disappear from my credit. I have previously informed Equifax that my former name was XXXX XXXX XXXX and my new name was XXXX XXXX, they have sought to destroy my credit history so that they can increase their profits by selling this misinformation to financial institutions and insurance. I know that Credit Bureau receive more money for negative credit files than they do for good credit profiles, given that the financial institution or insurance company can charge more interest. This practice financially incentivizes the Credit Bureau to not fix negative information that might be on the consumer 's profile, this is what appears to be happening here with Equifax. Whereas Equifax is committing fraud against me at this moment in order to profit off of false information they are distributing to XXXX XXXX XXXX XXXX ( XXXX ). According to a credit report received from all three credit bureaus today, Equifax has listed my name as XXXX XXXX XXXX with no former names or also known as names which is incorrect. A few days ago I received a letter from Equifax which was addressed to XXXX XXXX XXXX for the same credit file, this is XXXX XXXX evidence of Credit Bureau fraud. I have recently been denied a place to live with the property management company citing that my credit history wasn't old enough. I have a right to verification of information being reported, and Equifax has yet to send me any information regarding this fraudulent name variation of XXXX XXXX XXXX - or the contact information of the individual ( s ) or organization ( s ) having them publish it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX LL, account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: PR
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:
XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023

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 2022-10-24
Company: BMW Financial Services NA, LLC
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:
I'm filing this report because I have been a victim of identity theft for a very long time. I have literally contacted every creditor regarding this matter because this issue has been taking place for a very long time. My personal information has been compromised from the first month that I arrived to the United States. I arrived to the US at the state of XXXX  at the end of XX/XX/XXXX and ever since I lived in the state of XXXX. At XX/XX/XXXX, identity thieves used my personal information such as social security, name, date of birth and etc. to open multiple accounts with XXXX XXXX. Later, they used my information to open an auto lease using my personal information with BMW FINANCIAL SERVICES. When I contacted BMW FINANCIAL SERVICES to inform them of this fraudulent activity recently they told me there is a balance over {$8000.00} and it needs to be paid by me. I informed them that I never leased or bought a vehicle with BMW because I can not afford a BMW and that is the harsh reality. However, they still insist that the account is mine. I never signed any documents with BMW and I never leased a vehicle with them because I know my financial capabilities and I can not afford a BMW. BMW is refusing to even conduct an investigation. This is an identity theft matter and BMW representatives are taking this as a joke and not even complying with my request to remove this derogatory account from my records. If this is the case of an identity theft or case of mistaken identity it does not matter to me. I request that this vehicle loan is removed from my records because I never leased or bought a BMW. I've been told the vehicle is a XXXX BMW XXXX XXXX XXXX.

Company response to consumer: Closed with explanation