BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-12
Company: MIDFIRST BANK
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In early XXXX, I entered into a forbearance under the CARES Act where I was allowed to postpone my mortgage payments for a duration of up to a year due to XXXX hardship. 

However, after attempting to exit my forbearance and make a payment plan, as stated under the CARES Act, Midland Mortgage refused my payment plan and demanded payments in full. When I would try to apply for the payment plan, they would use every excuse possible on why I didnt qualify and instead tell me that I owed them over $ XXXX as a XXXX time payment. 

During this process, I still continued to make regular monthly payments to cover my mortgage, including during the months of XX/XX/XXXX to XX/XX/XXXX. 

However, since the CARES Act states that a mortgage company can not mark forbearance periods as late payments, Midland Mortgage decided to work around this by instead counting the payments I would make towards different months. For example, the payment I made on XX/XX/XXXX would instead be applied to the XX/XX/XXXX payment, even though the payment was made by me towards the XX/XX/XXXX payment and not the forbearance amount, as that was under a XXXX XXXX application. 

They are currently reporting to my credit bureaus as my payments being late from XX/XX/XXXX to XX/XX/XXXX. I did make payments during these months and these payments were the exact payment amounts that were agreed upon. I was not late on my payments during the months reported. 

I submitted a dispute to XXXX with the exact above information, but XXXX did not update my information even after attaching the transaction history that shows I submitted payments for those months.

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 2023-11-20
Company: ADP Inc.
State: CT
Product: Prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
Good Day I XXXX XXXX XXXX old Single XXXX XXXX on a VERY LOW FIXED income XXXX. Please see attachment of my XXXX XXXX. 

I XXXX XXXX am Single XXXX XXXXXXXX XXXX  very low fixed income XXXX monthly am writing this via email in reference to my Dispute on Card XXXX for {$500.00} with XXXX XXXX XXXX. My Card Stolen from me and compromised. 
I was paid cash back XXXX time so I cancelled dispute. Happened again same person. I dispute charge wrote a letter. 

My Concern : WHY did ADP Associate PREMATURELY post XXXX to my Account in XXXX 2023 without COMPLETING the Investigation? I'm NOT liable!!! 

That's an ADP ERROR and Inconvenience to your XXXX Customer whom really like my XXXX services. 

I should not be Unfairly held Liable for XXXX which should NOT have been posted to my Account until Investigation was COMPLETED. 

I noticed the XXXX posted in my Account that meant to me the Decision was APPROVED AND COMPLETED. 

Now I'm put in a position by ADP Associate that Claim Denied 60 DAYS LATER. That's Unethical, Unacceptable and Unfair to the Customer. 

Now I'm in a FINANCIAL HARDSHIP!! 

ADP Associate POSTED PREMATURELY before completing said Investigation. Now Customer is being held Liable for ADP ERROR OF ACTIONS. Someone fix this please!!! 

When I Disputed XXXX XXXX ADP did NOT Prematurely post the {$1300.00} to my account BEFORE COMPLETING Investigation. 

Matter of fact ADP DENIED that claim. 

But! If view my Account XXXX XXXX themselves REFUNDED {$1300.00} although ADP DENIED ..... 
I HAD TO CONTACT XXXX, XXXX  AND XXXX I'm Rebutting last email promise to pay XXXX monthly and Disputing AGAIN XXXX Fraudulent action on my card which as been Compromised. 

I wrote a letter requesting ADP to Re-Investigate this Dispute incident. 

Im requesting ADP to make this situation right. 

XXXX should NOT have posted PREMATURELY until Investigation COMPLETED. 

If view my Account all this night mare started for me XX/XX/2023. Moving company 's FRAUDULENT over charging, they held and tried to steal my furniture which i did get back along with XXXX XXXX. 

Next thing my card stolen and compromised again unauthorize use for XXXX again XXXX XXXX. 

I'm Homeless due to this whole situation I endured with the moving company and card compromising. Lost my affordable housing fighting them 2 months to get my things per the XXXX XXXX. 

SEE ATTACHMENT : IM UNABLE TO PAY ADP 'S Associate Unethical Premature ERROR of this post of XXXX to my Account. I thought Dispute was Approved. 

Please help make this right!!! 

Humble Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had an account with bank of the west before it was purchased by BMO. I called bank of the west to cancel and close my account after I removed XXXX  my money. They assured me it was going to be closed. Then BMO purchased the bank and i'm not getting a collection letter stating I owed money. I never had XXXX  account with BMO and my bank of the west account should have been closed when I requested. XXXX XXXX XXXX XXXX apparently allowed XXXX transaction to go through when I already requested the account to be closed and overdrawn it, then forwarded it to BMO without my knowledge. I do not own XXXX  balance as this account should have been closed from XXXX XXXX XXXX XXXX XXXX  before they merged with BMO

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 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
In accordance with 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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 non-monetary relief
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing this letter to convey my deep dissatisfaction and disappointment with the manner in which your bureau has responded to my identity theft complaints. This issue encompasses not just the theft of my personal data but also the apathetic approach exhibited by your bureau in managing my situation. 

As a victim of identity theft, I have been forced to endure significant hardships, both financially and emotionally, due to the actions of my ex-wife, who maliciously stole my identity and used it to open unauthorized accounts, make fraudulent transactions, and tarnish my credit history. I reported these fraudulent activities to your bureau on XX/XX/2023 and provided all the necessary documentation to prove my innocence and the criminal nature of her actions. 

I implore your bureau to take my identity theft case seriously and expedite the investigation process. I request that you thoroughly review the evidence I have provided and promptly remove the fraudulent accounts and transactions from my credit report. Additionally, I ask that you take steps to prevent such incidents from happening in the future, as it is clear that my personal information was mishandled and abused. 
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 Please understand that if my concerns are not promptly and adequately resolved, I am willing to consult legal experts and take this matter to the appropriate regulatory bodies to ensure that justice is upheld.

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 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
In accordance with 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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which ante
dates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 non-monetary relief
Consumer complaint received 2023-12-12
Company: Nelnet, Inc.
State: OK
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 have paid all payments on time and every month since repayment started. However, each month after making an on-time payment, I receive an urgent email stating my account is delinquent. I have called every month and the representatives state my payment was applied incorrectly. I'm assured each time the issue is adequately updated and the accounting department has correctly applied my payment, and this will not happen again. Yet the predatory behavior continues to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
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:
On XX/XX/2023, I submitted disputes to the credit bureaus about fraudulent accounts. Till date I still havent received any responses or updates to my credit report. 15 U.S. Code 168c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than XXXX business days after the date of receipt. 

These accounts should not be furnished on my consumer report as they are in XXXXIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: NJ
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2023-11-29
Company: Experian Information Solutions Inc.
State: TX
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:
Identity theft report # XXXX lists the following fraudulent accounts I found on my Experian consumer report : XXXX XXXX  acc # XXXX, XXXX XXXX XXXX acc # 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 2024-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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:
This serves as my formal complaint to BANK OF AMERICA. I am writing you and your company with a goodwill request. I have kept a good paying history with you. I noticed a late payment on my credit report which is a result of a payment misunderstanding. I typically have my account on automatic payment but misunderstood how the online system worked. Im asking as a long-time customer to please remove the late payment dated XXXX, XXXX  since it has been settled.

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 2024-01-24
Company: CITIBANK, N.A.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
When I answered, they wanted to know if it's me and when I said who's calling, they said it's personal. 
Another time they called, they said they are in a recorded voice and I said I don't to be recorded, they hung up Another time they said when I asked where they are calling from and they said XXXX  XXXX. 
I asked what's that and they said personal matter I also had some correspondence

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 2024-01-23
Company: Eastern Account Systems of Connecticut, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Subject : Urgent Demand for Investigation and Resolution of Fraudulent Accounts and Inaccurate Credit Reporting To Whom It May Concern, I am writing to you as a victim of identity theft and a distressed consumer who has encountered significant barriers due to the negligence and noncompliance of your organization with federal consumer protection laws. Despite my diligent efforts and the clear provisions of the Fair Credit Reporting Act ( FCRA ) Section 605B, the fraudulent accounts opened in my name have not been addressed appropriately, causing substantial harm, including the inability to secure housing for my newborn daughter and me. 
As previously communicated in my letters sent to your company dated XX/XX/year>, accompanied by a comprehensive identity theft report, a detailed list of the fraudulent accounts, and a signed affidavit, these accounts were opened without my authorization. The documentation provided should have sufficed to initiate an immediate investigation and removal of these erroneous entries from my credit reports as mandated by the FCRA. 
However, it has been nearly a year since my initial report, and the lack of action from your side is not only disappointing but also in direct violation of consumer protection statutes. The persistent inaccuracy in my credit reports has unjustly tarnished my financial reputation, causing undue stress, barriers to essential services such as housing, and jeopardizing the well-being of my family.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: LAKEVIEW LOAN SERVICING, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Lakeview Loan Servicing LLC has failed to pay my Flood Insurance and Homeowners insurance from my escrow account, IAW RESPA. 

My insurance provider, XXXX XXXX via XXXX, sent a letter to my loan servicer Lakeview Loan Servicing LLC on or around XX/XX/XXXX to renew my insurance policy. Lakeview failed to make a payment at that time. Another letter was sent in XXXX ( Date Unknown/Unclear ) and again my mortgage provider failed to make payments on my behalf IAW the RESPA regulation . 

I was unaware of the failings of my Loan Provider until today XX/XX/XXXX, when I received a letter of Policy Termination from XXXX XXXX. I called my loan provider and was given the run-around stating that the insurance provider canceled my policy " out of the blue '', I then called the provider who notified me that they had sent the letters as mentioned above to the Loan Provider, while also providing me with copies of those letters. I called the loan provider back, and they stated that they had placed loan-provided insurance, I then asked for proof of this. They provided me with the canceled policies, which are not active. I do not have insurance on my home because my Loan provider failed to pay for it, even though I have a valid and active escrow  account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I've tried, several times, to close my accounts that used to be with Bank of the West that were taken over by BMO bank. They do not have a branch location within a XXXX  hour drive of my location so I've called several times to get the account closed but to no end. 

On XX/XX/2024, I drove the XXXX hours round trip to a XXXX branch location, thinking I would be able to close these accounts. I was assured by the bank teller that everything was finalized. 

XXXX, I received an email that my statement was ready to check online. Since it's XX/XX/2024, I've logged in online and see that the checking account is still active. I tried working with the representative this morning but she seemed too worried about enrolling me in XXXX XXXX rather than closing my accounts. 

I don't understand what the problem is. I've never had this much trouble getting accounts ( with monthly fees ) closed. I feel like I'm being preyed upon by this banking entity and I no longer want any association with them. Please help.

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 2024-01-23
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My complaint involves BMO Harris USA locking my business checking account after mobile depositing a check for the amount of {$5100.00} on XX/XX/2024. On XX/XX/2024 it cleared the issuing bank I have received confirmation from the writer who supplied proof the check cleared. BMO Harris locked my businesses account on XX/XX/2024 at approx XXXX XXXX XXXX standard time. They are in violation of their own funds availability policy as well as causing harm to me and my business. Please help me with this issue BMO Harris says itll be at least 14 days before I get my account back. 14 days to get an account back that had a legitimate check clear same day is absolutely absurd and it will be the death of my business and children. I urge you to do anything you can to help please.

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