BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-29
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Mind you with Illinois 's state budget impass and BMO Harris Bank located mostly in our region, this is how my story goes BMO Harris Bank online account displays a positive balance when logging in, which is accurate when you line up your quickbooks or bank register to reconcile. What you do n't know as an account holder is that you need to scroll through each and every transaction ( yes, I have screen shots and documents to show this exactly ), wether you are a personal or business account holder. Why? This is where the deception is : If you have a debit removed from the past few hours in your account and you deposit funds daily automatically, via ACH, cash, check, state comptroller, etc. BMO Harris will not only ignore your deposit ( even though the online account shows a positive available balance, they will return your item for a {$35.00} fee and unknownst to you, decide wether or not to charge an additional {$35.00} overdraft fee. So the next day you are confused on why your balance may be higher and items were returned. Stay with me it gets worse, now there is no human looking at your account ever, so if you miss this because you only looked at your online account balance, which shows a positive available balance, the next day is {$5.00} fee, and every day until you deposit more money to cover the $ 75+ banking fees. The sad and painful part is that the original item debited ( XXXX ) was only {$34.00}, but now cost you {$100.00} AND BMO Harris has not paid the item causing a second round of full fees. I called and visited a branch 30 minutes from my company this past week, not one familiar face was there, showing my ID again, mind you BMO opened my company in 1997 with a XXXX  XXXX. Are you as suprised as me that not one person in 20 years was still employed at the branch? XXXX on the phone said, " this is not a banking error, no fees will be removed. '' Because this has caused both myself and my accountant such confusion we stopped having payments removed automatically as of XX/XX/XXXX. It has been 18 days later and over {$1000.00} in banking fees between BMO Harris and vendors who I have reimbursed for their NSF fees. Unfortunately, I do not have the money to retain an attorney. I have called more than once, but to this day have had no resolution.
I have received two automatic replies on their chat and XXXX page ; Of course removing my complaint and not one person has reached out.
I bet this is a part of their business model learn from me, and use ANY other bank that lines up the accounts accurately with what is displayed.

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 2021-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
loanadministration, or XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX illegally and incorrectly reported my MORTGAGE as " 30 DAY past due date! 

I paid off the whole mortgage in XX/XX/2020. I was never late in the years while holding the mortgage. After I paid off in XXXX, then suddenly it was reported as delinquent. 

1. If it is " 30 DAY past due date '', they shall send letter to notice that. They never did.

2. The loan was in COVID forbearance for few months. It was current all the time.

3. When i requested to pay off and I paid in XXXX. It was marked as delinquent. 

I called the company and try to resolve the issue. They are very rule. And they refuse to let me talk to a manager. They keep bullying customers and ask me myself to take care of the issue. It is this loan company did this illegal report and fraud to ruin people 's credit. Until I found out myself when checking my credit, I would never even know 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 2018-01-10
Company: Early Warning Services, LLC
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. Several years ago my office was broken into and several identity documents were stolen. Several accounts were opened in my name. 

I did not open, use, benefit or access the accounts opened at XXXX  XXXX XXXX or XXXX. 

I called Early Warning Services today and the agent confirmed that Early Warning marked my account as identity theft but did not delete it and until today had not sent me their identity theft kit. I did receive the identity theft kit on XX/XX/2018 My Early Warning Services consumer ID is XXXX I have attached a copy of the police report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: ALLY FINANCIAL INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
I have an active car loan with Ally Financial. I need to get copies of my statements from 2019 and the company said there can only provide statements from the last 6 months. This is unacceptable and I should be able to have access to any records regarding my active 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 2022-01-12
Company: JPMORGAN CHASE & CO.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I deposited 2 checks for {$3000.00} each, for a total of {$6000.00} Via the Chase XXXX XXXX on XX/XX/2021, the funds cleared the issuing bank on XX/XX/2021 On XX/XX/XXXX, Chase bank closed the account at their institution, with no reason or notice given, and returned the funds in the account, minus the {$6000.00} in the form of a cashiers check. upon numerous calls, lasting for hours of hold, call back and repeatedly trying to resolve this issue, at the branch and on the phone. Branch manager tells me i need to talk to Loss prevention, and gives me a number to call, that numbers has a hold time over 2 hours. when you do reach someone the tell you you need to resolve in a branch. I have been to 3 branches and wailed on hold for over 10 cumulative hours, and get conflicting information on how to receive my funds. as of the writing of this complaint, i have been hung up on no les than 6 times while holding to speak to someone about this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
today,XXXXXXXXXXXX I tried to unfreeze my credit report with Transunion and they required a pin that i do not know. i called and answered every question but they will ONLY mail it, which i told the rep is more risky than him unlocking it and that I had a professional Licence i had to update with an updated credit report and needed it unlocked today, no matter what i ask for they would only mail. XXXX  requires a pin but they allowed me to answer a series of questions from my report and unlocked it, Transunion is always problems, every year when i try to get my annual report Transunion always crashes online, the other 2 do not. they are NOT customer service and it 's my report not theirs. 
the reason i locked up my reports was because of the XXXX breach,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We feel that we were given misleading information about the balance owed on a new Hyundai Elantra. We voluntarily gave the car back to Hyundai. Settlement amount was {$8200.00} We paid to XXXX XXXX XXXX We have a XXXX balance. Hyundai is reporting that we have a balance of {$3400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
i opened an account with coinbase.com in XX/XX/XXXX 2017 in order to invest in bitcoin . I initially deposited $XXXX to my new coinbase account & invested in bitcoin. After a few weeks, having made about $XXXX,  I sold the bitcoin & transferred the money to the coinbase wallet & also left a few dollars in bitcoin, etherium, litecoin, etc. I tried to WITHDRAW U.S. DOLLARS shortly thereafter from my Wallet balance of about $XXXX to my XXXX account & was told I needed to "verify my identity" by uploading a front & back photo of my california driver's license. I did this once, twice...and now five or six times, & it keeps telling me the verification "failed." Other ways to withdraw will not work either. The banks they work with do NOT include my credit union, etc. And they will NOT tell my why my verification failed; what I can or should do to rectify , etc. PLEASE HELP !

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Santander Consumer USA Holdings 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: Credit inquiries on your report that you don't recognize

Complaint:
I spoke with XXXX XXXX XXXX XXXX XXXX about a vehicle, during the time of working with the salesperson I let her know that I have a fraud alert on my credit report and that I needed to be verified each time my credit report is accessed. She stated that she understand. 

A little later I started seeing all of these hard inquiries on my credit report and I asked her why/how where they being done without my verification? I also named the banks and she stated that it was not them so I locked my report again. 

Then she stated that they were having difficulty getting me approved, but I had already received a letter from XXXX XXXX XXXX XXXX stating that they were unable to verify me therefore they were not going to approve me. This prompted me to call several of the other places that I was seeing on the alerts that she ( XXXX from the dealership ) stated that they were not using and ; XXXX- gave me a case number XXXX stating that they would remove the inquiry because there was no signature. 

XXXX XXXX  - is refusing to do anything they are basically acting like they know nothing. 

XXXX XXXX XXXX let me know that not only was it not me that attempted to verify the identification process but my wrong birthdate was given. 

XXXX XXXX XXXX does not have a number where you can actually reach a person or leave a message. 

There are multiple others with acronyms that are difficult to decipher, but in essence what this dealership did was continue to submit my information over and over improperly in an attempt to make this sale. I understand that in the wake of the pandemic we are doing things differently where we are minimizing exposure due to Covid. This was the reason why I was trying to handle this remotely but as opposed to doing it the correct way this dealership decided to expose me and my information for their benefit and it cost me my security.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
For the past year I have continuously made several attempts to dispute inaccurate and unverifiable information on my credit report but have been met with no resolve time after time. The continuous egregious handling of my dispute request is illegal and can no longer be tolerated. I have sent several dispute requests via postal service, some via certified mail and notarized, only to be met with the same canned and form response letter. Again, the practice is illegal and is a direct violation of my rights under the FCRA. On several different occasions, have I been with the response verified as accurate without any proof of documentation from the original alleged creditor or proof via method of verification, despite innumerable request. Due to the aberrant behavior, I can no longer allow any further opportunities to resolve this matter patiently. It has been well over 30 days to correct this issue and I am now demanding the disputed items to be DELETED from my credit file immediately upon receipt of this notice. Any future delay tactic or improper response will be handled in court to the fullest extent of the law for such continuous direct violations. While I am not surprised, I am certainly disappointed to learn that you have chosen to state that you can not verify my identity when I in fact have sent proof of address, SSN, Driver 's License, Date of Birth and etc. several times. To provide relief for the incompetency, I will attach identification verification documents again with this complaint. Remove the disputed requested items from my credit report 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 explanation
Consumer complaint received 2020-12-23
Company: Millco Management
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Amerifinancial Solutions claims I have a debt of {$540.00} from XXXX XXXX. They placed the debt in the derogatory marks in XXXX, XXXX and XXXX. I have no such debt and they have not supplied me with proof. I had them removed from XXXX and XXXX. I submitted a complaint to them through XXXX and they were not removed. They have not supplied proof of this debt. They need to stop reporting this to XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
The below inquires do not belong to me and I did n't ask for credit, I want these removed from my credit report. 





XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Misc. 




XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Home Furnishings XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX  Inquiry from XX/XX/XXXX + Department & Variety Stores 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 2018-01-10
Company: QC HOLDINGS INC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I was called today while at work and the recording told me if I did not respond to them i would have a warrant out for my arrest and legal action. this is for a debt from back in 2013 that I paid and the company I paid sold to another and they said they lost my records on it. Its for QC holding/ 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 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.

15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my dispute.

15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ) =. The law clearly states that if items are found inaccurate or can not be verified the consumer reporting agency shall promptly delete the information from the file of the consumer On XX/XX/XXXX Transunion received a certified dispute tracking number # XXXX XXXX XXXX XXXX XXXX XXXX to conduct an investigation. 

Today, XXXX XXXX I received a letter from Transunion dated XX/XX/XXXX with the results in which provided no information except the account was verified as accurate but gave me no proof of an investigation. 

Transunion stated the account was properly investigated within 8 days of receiving my dispute but how is that possible when all bureaus are reporting different highlighted such as The account number is XXXX but all other bureaus report different, the monthly payment is blank but all other bureaus report different, the last payment made on XX/XX/XXXX but all other bureaus report different, The payment history of 120 days late is reported three times on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX but all other bureaus report different, the date closed is XX/XX/XXXX but all other bureaus report different, The balance is {$27000.00} but all other bureaus report different, first date of delinquency is XX/XX/XXXX but all other bureaus report different and the pay status is charged off but all other bureaus report different. The account was also closed on XX/XX/XXXX but was still reporting late payments and all other bureaus report different. 

All bureaus are reporting different information and every bureau has removed this inaccurate information from my credit report except Transunion. 

I also received statements from XXXX providing different account balances from what is being reported. 

This is grounds for removal they also violated my rights under According to 15 U.S.C 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ;

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 non-monetary relief
Consumer complaint received 2018-03-19
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: Account information incorrect

Complaint:
All three major credit bureaus, XXXX, Equifax, XXXX. Have refused to erase fraudulent accounts as well as accounts 7 years prior and older on my credit report repeatedly unlawful updating, and refusal to delete after these accounts have not been verified as my accounts. Theyre refusal to identify these fraudulent accounts have brung nothing but hardship on my life after I have done everything by law to dispute these accounts. These fraudulent accounts and 7plus years accounts on my report are as followed : XXXX XXXX XXXX acct # XXXX. XXXX XXXX acct # XXXX. XXXX XXXX XXXX acct # XXXX. XXXX XXXX acct # XXXX. XXXX XXXX XXXX XXXX acct # XXXX. XXXX XXXX XXXX XXXX acct # XXXX. XXXX XXXX XXXX acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-10
Company: SYNCHRONY FINANCIAL
State: NE
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:
Recently my wife, XXXX XXXX XXXX had dental work completed at the XXXX XXXX Nebraska XXXX XXXX. Most of the fees were paid directly to the XXXX XXXX including XXXX ( {$790.00} ) of the total charge. This left a balance of {$1300.00}. When we inquired about how we could settle this debt other than a cash payment we were advised that we could apply for an interest free 6 month credit card from a company by the name of CareCredit. We applied for the card and were insured that so long as we paid the full balance prior to six months from the approval date of the card it would satisfy the {$1300.00} debt in full. 

We received the first billing statement from the Synchrony XXXX which apparently collect for CareCredit. We made a payment of {$220.00} to the " Bank '' although the statement showed a minimum payment due of {$44.00}. Our {$220.00} payment was made to insure we could complete payments within the expressed 6 month interest fee due date. 

Subsequently we received a second billing now showing a promotional charge of {$1100.00}. Wondering why the payment of {$220.00} did not reflect the correct balance due which should have been {$1000.00} ( {$1300.00} minus {$220.00} ) we inquired by telephone call to the Synchrony XXXX in XXXX, FL who were listed as account holder on our statements. We were told by XXXX at the Synchrony XXXX that we were being charged a monthly maintenance charges of {$21.00} in XXXX and {$18.00} in XXXX XXXX. These almost 1.7 % charges based on the original payment were made without any knowledge on our part or notification of any charges or interest. " XXXX '' advised me that this was a type of charge made to ( protect our card ). When I pointed out that we had no knowledge of buying any sort of card protection XXXX said that they ( the Bank ) would cancel the maintenance fee charge for future payments and would refund the charge only for the XXXX {$18.00} charge and that it would probably take 2 or 3 billing cycles before any refund could be made. 

This just seems to me that the CareCredit card was just a way to make us open a CareCredit credit card account and that the maintenance charge was no more than a substitution for interest. We feel that we are entitled to both XXXX and XXXX charges in a timely manner and should no longer be subject to these unfair unsolicited charges.

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