BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-31
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
First week of XXXX I noticed unknown charges on my bank account. I immediately contacted XXXX bank and shut down my card. The BMO representative XXXX issued a report back to the bank on the charges totaling {$51.00}. Approximately two weeks later the bank sent me a letter dated XX/XX/XXXX with reference number XXXX stating the " Our investigation reveals that your card was required to be present to complete the transaction. '' This is absolutely not true. The bank rep. XXXX advised the charge that came through on XX/XX/XXXX was actually done on XX/XX/XXXX which I was not in town and had my card with me. Secondly if they truly investigated my account they would see these charges appear all of a sudden and are from a location that is quite a ways from my home and does not fall in a pattern of my checking account. I called the bank on XX/XX/XXXX and was advised to send an email to XXXX and I would hear back within XXXX hours. I waited until XX/XX/XXXX and called BMO again. I spoke with a BMO manager named XXXX who advised she would escalate and call me the next day. That call never came. Today XX/XX/XXXX I called and spoke to a manager named XXXX who advised she spoke with processor and they can TELL that my card was presented at location. This is not true for these charges on my account are absolutely fraudulent and my card is with me at all times. BMO bank has offered NO PROOF that my card was present to make these transactions. I had a total of {$51.00} stolen out of my account with absolute no funds protection by my bank that I have been a loyal customer to for over XXXX years.

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 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 Repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm disputing have nothing to do with any transactions I've carried out or given consent for in order to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CO XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Inquiry : 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 2023-10-25
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Flied A Lawsuit Against Me Once I Moved To A New Address Due To Life Circumstances. The Summons Was Sent XX/XX/2023 Regarding A Card with XXXX XXXX XXXX XXXX. I Honestly Don't Know Of Any Debt With Them And Never Recieved Coorespondence Before I Moved. I Also Never Recieved Proof Of Ownership Of The Debt.They Filed The Lawsuit With Superior Court Of New Jersey Law Division ( Civil Glassboro ). They Have Sued Me In The Pass In My Twenties For An Very Old Debt And Had My Pay Docked .They Are Known For Filling Up Court Rooms With Residences Of XXXX XXXX XXXX XXXX And XXXX  XXXX Who Don't Know Their Rights And Getting Money From Ppl Who Don't Have It. I Even Answered The Summoms XX/XX/2023 To Require Proof And They Just Answered Back With Interrogation Documentation. I'm A Single Mom Now Going To Court To Defend Herself Because I Can't Afford Legal Representation Because Of These Preditory Tatics And It's Really Troubling For Me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THIS IS XXXX XXXX!!! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: CreditNinja Lending, LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I entered into a payment agreement with company after I filed a previous dispute for its lack of transparency and fraud in how it handled my account. Despite my upholding all parts of my agreement, the company is reporting my account in a negative manner. My account is current per the agreement entered into and always has been. This negative reporting must be removed.

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 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance XXXX {$9900.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$420.00} 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 Balance : {$2300.00} XXXX  XXXX  XXXX Balance : {$460.00} XXXX XXXX Balance : {$130.00} XXXX XXXX Balance : {$0.00} SXXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX Balance : {$9900.00} XXXX XXXX Balance : {$910.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on 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 2023-10-25
Company: Foris DAX, Inc.
State: MI
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 have XXXX XXXX XXXX XXXX, XXXX $ limit i beleive, butnits not letting me use it for anything? Why?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Experian Information Solutions Inc.
State: TX
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 alleged has been reported and is not resolved, I need to know the verification method used on investigating this account. I provided all appropriate information on previous complaint. I would also like to inform you this account has been removed from XXXX and XXXX, so your improper investigation is concerning and by law all my information should be accurate amongst all reporting agencies. Again this is very stressful and causing harm to me and my family due to neglect on Experian part. 

Please provide all documents providing by furnisher and step you took to come to the inaccurate conclusion you have come to in regarding to this account. 

XXXX XXXX is the alleged account. 


Thank you for your assistance.

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 2022-05-01
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 states a consumer reporting agency can not furnish a account without my written instructions. this account was reported XX/XX/2022 in the amount of {$380.00}. In addition XXXX XXXX XXXX  XXXX account # XXXX has also violated my rights in accordance with the FCRA 15 U.S.C 1681 section 602 A and 15 U.S.C section 604 A section 2 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 non-monetary relief
Consumer complaint received 2023-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I am writing to submit a formal complaint regarding the mismanagement and lack of communication surrounding my home equity line of credit ( HELOC ) tied to account number XXXX, initially opened by my late grandfather, XXXX XXXX XXXX XXXX. 

Key Points of Concern : XXXX ) Successor in Interest : a XXXX Bank of America has formally recognized me as a Successor in Interest, granting me the right to information and actions related to this loan. 

XXXX ) Payment Attempts : a ) On XX/XX/XXXX, I made XXXX significant attempts to clear all dues : i ) I visited a Bank of America branch to wire funds but was denied. 
ii ) I overnighted a personal check, which was returned because it wasn't certified funds. 
b ) On XX/XX/XXXX, I sent a cashiers check for {$4500.00}. Despite exceeding the due amount, the check was rejected and returned because it was not the " exact amount. '' I was never told the exact amount. 
c ) I did not receive a formal reinstatement amount until XX/XX/XXXX. 
d ) Full payment was sent via overnight mail on XX/XX/XXXX. 

XXXX ) Inadequate Communication : a ) I have not received any formal foreclosure notices as mandated by Florida laws. 
b ) Monthly invoices did not specify the need for " certified funds, '' nor was I informed of this requirement separately. 

XXXX ) Frivolous Fees : a ) A reinstatement calculation letter dated XX/XX/XXXX included {$2300.00} as foreclosure and attorney fees. 

XXXX ) Personal Hardships : a ) As previously mentioned, I am the sole caregiver to my XXXX son with learning disorders, among other personal challenges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: BARCLAYS BANK DELAWARE
State: SC
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: Card was charged for something you did not purchase with the card

Complaint:
This is a XXXX XXXX Visa account with Barclays Bank. Account number ending in XXXX. 

1. On XX/XX/2021, this account was compromised unbeknownst to me at the time. A fraudulent charge of {$30.00} was made at a XXXX XXXX in XXXX, NC by another person who at one time resided at the same address as me for a short time. This person now lives out of state and has not lived at my address for more than a year. I have never stayed at this XXXX XXXX. 

2. On XX/XX/2021, I received my credit card bill in the mail, noticed the fraudulent charge, contacted Barclays, filed a fraud dispute, and had the existing card account closed, and a new card sent to me.

3. A few days later, Barclays gave me credit for this fraudulent charge from XX/XX/XXXX. 

4. On XX/XX/XXXX, Barclays sent a letter which I received on XX/XX/XXXX, reversing their decision. They stated I now owed the {$30.00} and they would charge me for it.

5. After many attempts to call them and over 1 hour on the phone they said they made their decision because the person who made the charge without my knowledge had at one time lived at my address, and the case had been closed against me.

6. I have tried to get a number to call Barclays corporate headquarters to complain but the numbers keep circling me back to customer service with long wait times. Plus you then talk to someone not in the USA who is very hard to understand with a heavy accent and they read from a script and don't address your real complaint.

7. Since I had declared the account fraudulently used, gotten a new card, and filed a fraud dispute when I got my bill, I don't think I should have to be liable simply because the person who made the charge lived at the same address as me at one time.

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 monetary relief
Consumer complaint received 2023-03-16
Company: SUN LOAN COMPANY INC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Loan company has contacted multiple family members informing them of my debt. I have asked the loan company to stop contacting them as this is my personal business. She stated that she would continue to do so. I have text from my brother that state what they told him as well as a recording from the phone call today. STOP CONTACTING MY FAMILY. If I owe a debt contact me! The LAW states they can only contact once and can only contact again if they feel that information they received such as contact information for myself is incorrect. It is CORRECT, do not contact my family again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX XXXX XXXX  approved my forbearance due to COVID-19, and in XX/XX/2021, XXXX XXXX  approved deferment option. At the same time, they reported to credit bureau of been OVER 180 days late. I tried to contact XXXX XXXX several time and the customer service rep kept lying to me about the situation.I requested to talk to supervisor, but they'll not let me talk to the supervisor. I requested a call back but no one ever called me back.

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 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2023-06-01
Company: Experian Information Solutions 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:
Despite the multiple previous written requests, the unverified the following items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATED all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please update the following accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 
XXXX XXXX XXXX and XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: CCF Intermediate Holdings LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
A fraudulent payday loan was made in my name. I became aware of the issue on XX/XX/6th 2023. I received a letter from XXXX XXXX about debt collection. The company name is XXXX. I reported that this was identity theft/fraud to them as well as XXXX, XXXX, and XXXX. I have put a freeze on my credit with all three reporting agencies. 
When I checked my credit report this shows as a bad debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I moved out of the XXXX at XXXX XX/XX/XXXX. I received notification from the property on XX/XX/XXXX that I owed {$14000.00} for the remaining balance of the lease from XXXX XX/XX/XXXX. I went to the leasing office XX/XX/XXXX and spoke with XXXX to discuss the letter that I received from XXXX for XXXX at XXXX and was informed by the property manager that they had released the Unit # XXXX. South Carolina law is that you can not charge a previous tenant for the remaining balance of a lease if the unit or property is released. They can only charge up to the date of the re-lease. I have been fighting this with the XXXX for XXXX at XXXX for 4 years and it has prevented me from being able to purchase a home and lease a home in my name. I am ready to take legal actions. It is being reported on my credit report by National Credit Systems for {$15000.00}. I have reached out to them as well to inform them that they are reporting an inaccurate bill and that they need to have this deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was scammed by a service company. They charged me upfront {$1600.00} on the phone without disclosing that they hired an assistant who does not have the license to perform the service. When I asked for cancellation and withdraw, the company denied. When I disputed to my credit card company, the service company represented fraud evidence that I was compensated {$500.00}. My credit card company closed my dispute in the favor of the service company.

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