BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-21
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
On XXXX 2020 I had an IRA/CD mature with BMO/Harris Bank   located at XXXX XXXX XXXX, XXXX , Illnois XXXX in the amount of {$22000.00}. It had a 10 day grace period before it was rolled over. The branch managers name is XXXX. 

On XX/XX/2020 I went to close the account and transfer the money to an IRA/CD account to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois, XXXX supplied BMO/Harris with the required IRA/HSA transfer request on XX/XX/2020. 

I was told by XXXX that they could not present me with a check that day and that their IRA Dept. would have to be the ones who would mail a check to XXXX XXXX XXXX XXXX XXXX. 

As of XXXX, 32 days since I've closed the account the money has not yet been transferred. 

After many calls to XXXX at BMO/Harris, who I would like to add has been as helpful as she could be but seems stuck in the middle of this, she referred me to her supervisor, a XXXX XXXX. I have sent three E-mails requesting a call from XXXX XXXX and none have been returned or replied to. I also filled out a complaint form on BMO/Harris website but have not heard anything yet from them. 

I was also informed by XXXX XXXX would not be paid any interest on the money they haven't released to me.

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 2022-10-05
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
In Accordance to the Fair Credit Reporting act everything has to be 100 % Accurate In my credit act Accounts XXXX XXXXXXXX AUTO FINANCE XXXX, XXXX BANK Account # XXXX The Credit bureau stated that my account was investigated accurately but how is this possible when the Date opened is inaccurate, the date last active is inaccurate, and The date last reported is inaccurate. This is grounds for removal they also 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions Also the credit bureau took more than 30 days to complete my investigation My certified mail tracking # 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 2019-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX XXXX. 
No clue why this is still on my account as its been closed. 

Department of XXXX This account was suppose to be deferred. Why isnt it?

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 2020-01-27
Company: Experian Information Solutions Inc.
State: AR
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:
In XXXX of 2019 I decided I wanted to buy a home. I went to a place called XXXX XXXX XXXX. At XXXX XXXX XXXX   they started off by asking what my credit score was and I had no idea at the time. They recommended I got my credit report pulled and we go from there. As we reviewed my report I noticed a numerous of things that were not mine. Can you please remove the following items from my report. XXXX/XXXX  XXXX {$640.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$320.00}, XXXX XXXX XXXX I XXXX {$3400.00}

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 2022-10-05
Company: SYNCHRONY FINANCIAL
State: TN
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:
On XX/XX/XXXX and again on XX/XX/XXXX Syncblowes pulled my credit without my knowledge and or permission

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 2023-06-25
Company: Experian Information Solutions Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account Number # 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.

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 2019-06-04
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX my bank account was put on hold/levy due to a Credit card debt which was bought by another consumer whom pursued the situation to collect the debt. Exact amount that was taken {$320.00} and {$75.00} court fe that was filed against me. Before anything else the total amount I owed came out to be {$1100.00}. I called the office who is handling my case and made an agreement payment of XXXX $ every XX/XX/XXXX of the month. I was told from the office by the secretary that money order is the only payment acceptable and to keep track of my payments because I wouldnt be receiving any type of confirmation receipt for every payment Id be making. On XX/XX/XXXX my bank had called me to notify me that my bank account has been unfroze and Im able to use it. That same day i called the office and ask them for the remaining balance of my debt. The secretary explained and answered, {$1100.00} subtract the {$320.00} from my bank which totals by debt balances of {$830.00} on XXXX. I made a total of 4 money orders to this office in regards to the debt I still owed. From the month of XX/XX/XXXX. to XX/XX/XXXX I made XXXX $ on the XXXX each month and mailed the money order to the address they provided me. Which would bring my debt down to XXXX by XX/XX/XXXX .. on XX/XX/XXXX I called the office and asked the secretary about my case and how much i still owe I was told {$530.00}. I went to XXXX POST OFFICE, NJ, purchased the money order with that amount and mailed it to the one address that they provided me with. A month later, I called the office and asked about my case and as to why I havent received any confirmation letter stating that I already paid the debt so I can dispute it in my credit report and get back on track without the derogatory mark that is to this day still on my credit report.the officer who handles my case responded and told me I still owed {$630.00} I was shocked and confuse considering a month ago his secretary has told me that it was XXXX.. I had asked him to please check and look at all the updated document under my case because I have all the documentation of proof of payments for my debt. The next day he emailed me stating that they havent received any Payments since XXXX, then a week later emails me a notice of late payments. If that was the case why i havent received that notice from the XXXX and XXXX payment that he claimed to not receive any payments of. I dont know who else to contact and what else to do in order to get this derogatory mark off my credit report. I did my part and handled it as fast as I could. I thought I had.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Ive previously filed a dispute for an investigation to correct errors and or delete for continuous violations and have not received a response from XXXX XXXX XXXX threw XXXX XXXX TransUnion. They continue to report inaccurate and inconsistent reporting on my credit report in which it has negatively affected me and cause damaged. Ive filed a complaint threw the XXXX XXXX XXXX and even so filed a complaint with the State General Attorney. They have yet to even reply to the XXXX XXXX XXXX request. According to 15 USC 1681i XXXX, TransUnion, and XXXX shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Theyve failed to do so multiple times! They say it comes back verified but yet still reports inaccurate information and fails to mark the account as disputed which means it was never disputed! If not handled and deleted for violations I have no choice but to collect for damages which I am entitled to. Evidence provided below.

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 2019-09-10
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I Filled A Claim for a Transaction that was Done On My Account For USPS {$570.00} And M & T Bank Denied My Claim Because the Merchant USPS Provided Documentation Saying That The Money Order Was Cashed and i Return this Money Order Back to the Merchant and The Merchant Claim to the Bank that the Money Order Was Cashed Something That was Not True Please Help me Fix This Problem Even Thogh I Provided M & T Bank Documentation That The Money Order Was Refunded By The USPS Back into my Debit Card and its Been More Than 30 Days And Their Still No Refund Coming Back From USPS M & T BANK REVERSE THE PROVISIONAL CREDIT - {$570.00} And Made My Account Negative : - {$570.00} Please Help me With This Problem

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 2017-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
On XXXX2017 I sent in ( certified ) debt validation letters on behalf of myself, to all three credit bureaus. As of today, it is XX/XX/XXXX and I have yet to get a response regarding the matters on my credit report. It is well over 30 days, now entering the 60 day mark and past the grace respond period time. I am now requesting that all collections be removed from my credit report due to negligence by the companies to respond to my request in a tactful manner. Thank you

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 2020-11-27
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: Was not notified of investigation status or results

Complaint:
I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the third complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to XXXX, XXXX and Experian. The complaint numbers were XXXX ( XXXX ), XXXX ( XXXX ) and XXXX ( Experian ). The second attempt was made on XX/XX/2020 and was also accompanied by direct bureau disputes. Those complaint numbers were XXXX ( XXXX  ), XXXX ( XXXX ) and XXXX ( Experian ). While I understand that there is a pandemic which can cause delays, I have not received anything from them since my dispute on XX/XX/2020. This is not a delay : this is negligence on the part of XXXX, Experian and XXXX, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by any of the bureaus to resolve anything. There has also been data that was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, Experian and XXXX must be held accountable and to the standards clearly outlined in the FCRA.

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 2023-07-31
Company: Experian Information Solutions Inc.
State: DC
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:
Experian and XXXX are reporting a public record of my bankruptcy on my credit profile. I have sent several rounds of letters to have it removed immediately and they keep responding as updated.

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 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ). 

As per the details of my complaint, I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. My current address is XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, but they have listed multiple addresses that I have never lived at, including XXXX  XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX, XXXX XXXX XXXX XXXX XXXX, MA XXXX, and XXXX XXXX XXXX XXXX XXXX, GU XXXX. 

The creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

Sincerely, 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 2023-06-19
Company: EQUIFAX, INC.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My problem is that Equifax isnt disputing anything on my records. XXXX XXXX XXXX XXXX collection reported XX/XX/XXXX assigned XX/XX/XXXX amounts {$450.00} account number # XXXX XXXX XXXX XXXX XXXX  reported XX/XX/XXXX assigned XX/XX/XXXX amount {$330.00} account # XXXX XXXX XXXX XXXX   XXXX reported XX/XX/XXXX assigned XX/XX/XXXX amount {$460.00} account # XXXX XXXX XXXX XXXX XXXX reported XX/XX/XXXX assigned XX/XX/XXXX amount {$100.00} account # XXXX XXXX XXXX reported XX/XX/XXXX assigned XX/XX/XXXX amount {$90.00} account # XXXX XXXX XXXX reported XX/XX/XXXX assigned XX/XX/XXXX amount {$100.00} account # XXXX XXXX XXXX reported XX/XX/XXXX assigned XX/XX/XXXX amount {$190.00} account # XXXX XXXX XXXX XXXX reported XX/XX/XXXX assigned XX/XX/XXXX amount {$100.00} account # XXXX XXXX XXXX XXXX XXXX reported XX/XX/XXXX assigned XX/XX/XXXX amount {$1200.00} account # XXXX XXXX XXXX XXXX XXXX reported XX/XX/XXXX assigned XX/XX/XXXX amount {$410.00} account # XXXX XXXX XXXX XXXX XXXX reported XX/XX/XXXX assigned XX/XX/XXXX amount {$250.00} account # XXXX XXXX XXXX XXXX XXXX reported XX/XX/XXXX assigned XX/XX/XXXX amount {$150.00} account # XXXX XXXX XXXX XXXX XXXX reported XX/XX/XXXX assigned XX/XX/XXXX amount {$170.00} account # XXXX XXXX XXXX XXXX XXXX reported XX/XX/XXXX assigned XX/XX/XXXX amount {$240.00} account # XXXX XXXX XXXX XXXX XXXX reported XX/XX/XXXX assigned XX/XX/XXXX amount {$150.00} account # XXXX XXXX XXXX XXXX XXXX reported XX/XX/XXXX assigned XX/XX/XXXX amount {$150.00} account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: DISCOVER BANK
State: IL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have a 6 figure CD with Discover Bank which matured on XXXX. 
I called Discover 4 times, XXXX, XXXX, XXXX and XXXX. I also sent messages via Discover 's web site and received acknowledgments of my messages to close the account and send a check. 
On XXXX I talked with a supervisor, she told me my account would be closed and an EXPEDITED check would be sent to me. As of XXXX I have NOT received a check. 
As a matter of fact on XXXX I received a USPS letter saying I renewed my account. Even after they told me they would close my account. I received letters and Emails saying I RENEWED my CD. I have received 8 Emails 4 web site messages as well as calling 4 times to close the account and send me the proceeds. 
As of XXXX the told me they would send a check. I WO N'T BELIEVE IT UNTIL I GET THE CHECK.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
{$230.00} of balance from XXXX XXXX has been on my credit report for 7 years. I have tried to remove them but has not been successful. I am not sure if this belongs to me. I would like this balance to be removed my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Block, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I had just received a new card from cash app, went to XXXX XXXX to purchase some ice, some kind of way my card must have fell out of my purse. The lady behind me went ona shopping spree with my card. I did not learn of it until XXXX the next morning, i called Cash appt right away could not get them so i called the police, filed a report they went to the store and saw the video and called me back. then i was able to get a hold of cash appt and file a report, when they got back with me they refused to give me my money back. I then called two liquor stores about the purchases they had on videos. i have kept trying to prove to cash app that i did not do this. I am a XXXX person and i would not do this to myself. I got back with the police wasn't able to get the video, but got my police report and sent it to them and still they are telling me that i made those purchases, i had just had money sent to me that same day so i could pay my bill, i have submitted my report 6 times and still they won't help me. the amount of money stolen is {$530.00} Pl help me.

Company response to consumer: Closed with explanation