BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-19
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am not able to make online payments on my accounts. I tried calling the customer service number and they also told me that they are not able to process my payment. So I then went in person. I spoke to XXXX XXXX the branch manager at BMO located in XXXX, AZ. After talking to XXXX he also could not process my payment. 

I exhausted all my resources and not a single person can take my payment. Because of this I am running late on my payments. I can not believe this is happening with such a large 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 non-monetary relief
Consumer complaint received 2019-04-30
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I wanted to close my AAdvantage Aviator red master ( through Barcays company ). I called XX/XX/XXXX. I said I want to close my card, and could I have the balanace so I can pay it all off. I was told my balance was {$110.00}. I was told I had to call a different number to close the account, and I would need my checking account routing number so I could send in the payment ASAP. I went home ( I called from work ) I called back with my check routing number, I gave it and gave permission to send {$110.00} in to company. I then closed my card that same night. The amount was withdrawn from my checking XX/XX/XXXX. I got a letter in the mail, about a week or week & half later ( dated XX/XX/XXXX ) saying " as requested we closed your AAdvantage aviator red world master cardXX/XX/XXXX account. The balance on your account as of XX/XX/XXXX is {$210.00}. '' I was shocked. I called customer service ans spoke to 2 different people. One explained when I called on XX/XX/XXXX I was only given the XX/XX/XXXX balance. I asked " why would you only give me XX/XX/XXXX  balance when I was trying to close my card. I explained it was their mistake, and they said no it wasn't their fault and I only asked for XX/XX/XXXX balance ... .which I know isn't true. Nothing got resolved from that phone call. I then sent in a payment of XXXX for the remainder of the XXXX. It was withdrawn XX/XX/XXXX. So i thought I was done and paid my balance. Since then I have gotten 2 more bills for late fees that have incurred since my first XX/XX/XXXX attempt to close this account. I get phone calls from them sometimes 2x a day asking me to call them about my balance. My XX/XX/XXXX statement was for {$110.00} with a {$41.00} interest/late fee. I got a bill XX/XX/XXXX for {$150.00} with a {$39.00} late interest fee. my XX/XX/XXXX statement was {$44.00} where I had a {$1.00} interest charge but no late fee. I did just get an XX/XX/XXXX statement for {$73.00} with {$28.00} late/interest fees. I feel if I called XX/XX/XXXX, and they had given me my entire amount THEN, I would have paid off the balance in FULL, and not have gotten all of these late fees.

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 2018-10-25
Company: Global Equity Finance, Inc.
State: WA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
I received a variety of quotes from reverse mortgage vendors and originally Global Equity provided one of the better quotes. However ; during the process of gathering information one of the vendors offered a XXXX cost loan. Global Equity offered to match and I decided to stay with them. When I received the final  paperwork the XXXX cost loan offer had been retracted and I signed the paperwork under protest. See letter sent to Global Equity in XXXX of 2018 and email received from Global Equity offering XXXX cost loan. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, I transferred {$12000.00} from my XXXX XXXX Savings account to Ally Bank. In XX/XX/XXXX, Ally Bank closed my account. I called them to get the {$12000.00}. They said their was fraud on my account and would need a " Letter of Indemnification '' from XXXX XXXX stating that the money was transferred out of my savings account into Ally Bank. When I asked XXXX XXXX, they said they can't send a letter directly to a 3rd party as it would violate confidentiality rights. I called Ally Bank to let them know what XXXX XXXX said. Ally Bank said that there's nothing they can do. Over the past year, I have spoken with Ally Bank and XXXX XXXX XXXX  at least 10 times. Ally Bank says they need a " Letter of Indemnification '' and XXXX XXXX XXXX  says they can't provide it. On XX/XX/XXXX, the branch manager at XXXX XXXX drafted a letter stating that the {$12000.00} did come out of my savings account. I faxed it to Ally Bank. On XX/XX/XXXX, I called Ally Bank. They said the letter is not enough and XXXX XXXX needs to send them a " Hold Harmless Agreement. '' This is the first time in the past year that they have mentioned this document. I spoke to the branch manager at XXXX XXXX and he said he's never heard of that document. He looked it up online and saw that it was a legal document but not something the bank provides.

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 2022-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Was told information seems accurate from transition there are the list I didn't apply for... 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2019-07-09
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have a credit card with XXXX XXXX XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX XXXX  XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX only reporting me 30 days late. There was an error on their part. I was never 30 days late.

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 2023-12-14
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I mailed the XXXX XXXX XXXX, my negotiable Instrument to " set-off '' this debt and other requests, via registered mail ( # RR XXXX XXXX XXXX XXXX ). It was delivered on XX/XX/XXXX  @ XXXX, per USPS tracking. He has REFUSED to set-off this debt, as stated by law, UCC XXXX XXXX if an attempt to tender payment is done in good faith, and refused, then that amount attempted to be tendered, is discharged from tbe principle of debt! He is an evil person, I have sent many requests to this man, and never receive what I request. I have been requesting these things since XXXX. And I have no idea why he will not tender my security. Please help! Now they are threatening me with foreclosure!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05
Company: WELLS FARGO & COMPANY
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I am in the market to find a female Yorkie or schnauzer puppy. I found someone who stated they had a female Yorkie. After messaging back and forth, we came to an agreement of {$300.00} for the puppy. Later on they asked for {$50.00} to help with gas to meet me halfway. Another {$150.00} for half of the vet bill and another {$100.00} for the delivery service. I was only able to come up with {$65.00} of the delivery fee. When I said it was too much and I wanted the money back they refused and said it had been used already. I never received any documentation of the usages. The delivery company emailed me and stated they needed another {$500.00} for insurance, I didnt send anything. I asked for a phone number to reach the company and when answered the person didnt even know what name to use.

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 2023-08-18
Company: EQUIFAX, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03
Company: Experian Information Solutions Inc.
State: MI
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:
15 USC 1681 Sec. 604. 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 instructions of the consumer to whom it relates.

I demand the following be deleted from my consumer reports for violations of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act : STATE OF MICHIGAN STATE OF MICHIGAN STATE OF MICHIGAN STATE OF MICHIGAN STATE OF MICHIGAN STATE OF MICHIGAN Also under 15 USC 1681 Section 602 A I have a right to privacy. 

The following inquires are unauthorized on my consumer reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: SC
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. 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 XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX  Account name XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX  Account name : XXXX XXXXXXXX XXXX XXXX Account name XXXX XXXX XXXX  Account name : XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX  Account name : XXXX XXXX  Account name : XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
PNC has refused to reverse payments made from my account for services that were NEVER received. I am, at this point, DEMANDING the transactions be reversed and the funds be returned to me. However, since PNC enjoys colluding with scammers and approving of their methods, I have also now involved my family members at the White House and the Federal Bureau of Investigation, informing PNC has dragged this out going on 6 months and are refusing to refund money that was used to pay for services that were NEVER received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: FL
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 submitted a letter to the XXXX Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. 
XXXXXXXX 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 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 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

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 2023-08-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : ( Previous / Incorrect Addresses ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove and delete these as I feel I am a victim of identity fraud. There have been several data breaches with my personal information leaked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00}, XXXX XXXX XXXX XXXX Balance : {$180.00}, XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022, XXXX XX/XX/2022.

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 2022-11-13
Company: EQUIFAX, INC.
State: TX
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Grain Technology, Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
In XX/XX/2021 I wasnt able to update my account info to change back account info so I contacted grain with questions it took them about a month to get back to me still with no proper way to fix this. 

Then I try to login the site and extra security was added asking me to upload id social security card proving who I am which I did and system denied me entry after all documentation was sent. I again reached out to gain cause Im seeing late payments added to my credit profile cause their system is having issues and its not just me whos having this problem after I search the web many people are affected. 

Every day or so often I try to log in the app flickers but will not let me in this goes on for about another month. I try to log in again it lets me in and kicks me out as Im trying update banking info. I enter card number and have {$50.00} I believe deducted from my account to test it. The app closes on me again I log back in this time the screen just stuck in a loading stage and I cant get in and til this day it remains that way. 
This company and its apps faulty function of it not working properly has caused me to receive multiple late payments and in charge off status cause of their app had so many issues and still does that I the consumer cant and couldnt log in to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I AM A VICTIM OF IDENTITY THEFT AND REPORTED THIS FACT TO THE THREE MAJOR CREDIT BUREAUS. XXXX REFUSES TO REMOVE THE INACCURATE INFORMATION FROM MY FILES.

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 2023-08-24
Company: Experian Information Solutions Inc.
State: AK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My student loan that has been PAID IN FULL continues to be passed around. One company said they stopped servicing it and gave it to another. Another company said they had it for a short while and now don't know where it has gone. One company said they got it because it was in DEFAULT status, which is NOT ACCURATE. It was PAID IN FULL and I have documents showing it was paid in full. 

I am not sure how or why this inaccurate information continues to get passed around and continues to show up on my report, but it needs to stop PERMANENTLY! 

I have PAID MY DEBT IN FULL!

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