BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-13
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
We have a lawsuit in process against our mortgage company and my attorneys need copies of selected cleared/cashed checks for evidence in our legal suit. The decision was made for us to retrieve said check copies because it would ( should've ) be easier and a more convenient option. However the process of obtaining these check copies from our local branch has been unsuccessful. For the past 2 months my wife and I have been calling and visiting our local branch in XXXX Indiana consistently explaining how important these check copies are only too be ignored. We have spoke too both managers at our local branch in XXXX Indiana and they tell us they are working on our request but keep coming up with nothing. I personally told one of the managers they are WITHOLDING evidence to a legal case and my attorneys are needing these check copies ASAP and that has not helped at all. We are currently waiting on a call back from one of the managers that we were told would happen 4 days ago, still haven't gotten that call back. We have even offered to provide a fax number and email address to receive said documents and the managers declined.

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 2018-05-05
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I filed a dispute with CFPB on XX/XX/2018 in regards to a bankruptcy reporting on my Equifax file ... Equifax responded to me stating they had reviewed the information in case # XXXX and that the bankruptcy is currently reporting correctly if I have additional questions to contact XXXX XXXX XXXX XXXX I did contact the court and they confirmed they DO NOT and HAVE NOT reported and bankruptcy information to Equifax or any other credit reporting agency they also said they didnt received any request from Equifax to confirm or verify anything in regards to me ... .Equifax also listed XXXX XXXX XXXX I contacted them as will with the same response XXXX XXXX also confirmed to me that I file with them is suspended due to previous fraud alert this no information on me would be released to Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: Commonwealth Financial Systems, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I'm unsure about why this company is calling me. They stated they were from Commonwealth Financial and asked to speak with me. Once I identified myself they asked me to confirm personal details including my SSN. I informed them that I would not disclose any personal information unless they told me why they were calling. They refused to do so. I am not familiar with this company and thus I do not know if they are calling about a debt or if this is a scam. I told them as much before they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Experian Information Solutions Inc.
State: WI
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:
XX/XX/XXXX of 2020 I filed a amortization plan in the state of WI chapter XXXX with attorney XXXX XXXX XXXX out of XXXX WI # XXXX. Case # XXXX XXXX County Wisconsin. My trustee is XXXX XXXX XXXX. They have been reporting this as delinquent to all 3 credit bureaus as missed payments and delinquent.

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 2018-06-21
Company: Worldwide Processing Group, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been receiving as many as ten calls a day from various XXXX area code numbers. I called back and was told the agency was collecting on behalf of XXXX XXXX. I told the agency that I had nevery heard of XXXX XXXX and I wanted to see a copy of the contract. The said they could not produce a copy of the contract. I asked the agency to stop calling me as is my right under FDPCA and they refused. I asked the name of the agency since that information wasn't provided in any of their voicemails and they reused to provide either the name or address of the agency. When the agency called me today I asked them to send me a letter since was my only method of finding out who they were. They sent the letter which has an address from at least six years ago. Again I don't knw who XXXX XXXX is. from : Forward Movement Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Payment Arrangement I would be happy to provide a copy of the letter. I happen to be in the collection industry and the agency 's failure to provide me with documentation is an FDPCA violation. 

Again, I do not know who XXXX XXXX is and this agency refused to provide any documentation. The agency has a six year old address and I have not received any written notices. The balance letter the agency sent me does not have any language that complies with the FDPCA rules. This is the sort of tactic that in my opinion the CFPB was created to stop. 

Thank you XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
On XX/XX/2020 I submitted a payment in the amount of {$25.00} via ACH transfer for my credit card payment. On XX/XX/2020 I noticed that there was a {$29.00} NSF Fee associated with my checking account but there was more than enough funds in my account to cover the payment. In addition, I have overdraft protection through my savings account which at the time also had roughly {$900.00} in it. 

Not only was I charged the NSF fee by USAA, but my credit card company ALSO charged me a bounced check fee and marked my account as past due. 

I

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
Company: Experian Information Solutions Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please pay close attention! I have been a victim of identity theft. This has been an ongoing issue with the original creditor ( XXXX XXXX XXXX XXXX XXXX XXXX, collection agency ( XXXX XXXX XXXX ) and this collection bureau ( Experian ) I have been consistent with attempting to resolve this issue. For over a year I have been communicating via mail to dispute and calling them. Nothing has been done. 
I have reached my limit with Experian I have notified them about this but nothing has been done. I am a real victim of identity theft and neither the creditor or experian wants to rectify this. I have sent police reports ( see attachments ) to collection agency and creditor but none have responded regarding this. So I'm reaching for you guys help which I desperately need to REMOVE this account from my credit report. Immediately! This has affected my life so negatively. I need this removed As Soon As Possible.

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 2021-05-30
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
To whom it may concern : PayPal closed my account for absolutely no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-01
Company: Experian Information Solutions Inc.
State: IN
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:
XXXX ; Experian and XXXX should not reporting that I am ( 90 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. I have also attached a copy of my Drivers License as well as a copy of my utility bill for personal identification purposes. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XXXX XXXX I purchased a necklace as a wedding anniversary present for my beloved wife XXXX from the XXXX XXXX XXXX. The price was {$380.00}. I asked the XXXX XXXX XXXX for the discounted price for members of the XXXX XXXX of which I was a member at the time. The member price was {$330.00}. I asked that I received credit for the difference between the two ( 2 ) prices. 

On XXXX XXXX in reviewing my online banking statement from the Bank of America I noticed DOUBLE BILLING : the XXXX XXXX XXXX had billed my debit card twice : the {$330.00} and the {$330.00}! 

I immediately with my on-line banking had two ( 2 ) checks stopped at a bank fee of {$30.00} each! 

I then immediately called the Bank of America and spoke with XXXX. I explained over and over that my account was dangerously low because of the double billing and repeatedly asked her to delete the {$380.00} which she repeatedly stated that she would not do! 

Today XXXX XXXX XXXX I received an email from the Bank of America that my account had a NEGATIVE BALANCE OF {$75.00}! I was also notified that money was taken from my Bank of America credit card to cover the charges on my debit card! This when I had told XXXX at the Bank of America that my account was dangerously low and the double billing had to be reversed! The result of the money being transferred from my credit ward was my being charged a fee for the transfer and interest on the transfer and I can not use my credit card because it is near the maximum limit! 

So I immediately emailed Mr. XXXX XXXX a customer relations manager at the Bank of America branch in XXXX, New Jersey where my beloved wife and I live! 

I went to the branch to speak to him. He said he had gotten my email and would work on the problem. I told him that the {$380.00} had immediately to be removed as this was double billing. He did nothing! 

In short, THE BANK OF AMERICA HAS DONE NOTHING TO PROTECT MY INTERESTS EVEN THOUGH THE XXXX XXXX XXXX AS XXXX COULD PLAINLY SEE HAD DOUBLED BILLED ME AND AS MR. XXXX COULD PLAINLY SEE AS WELL!

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 2020-07-02
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
My name is XXXX XXXX and I was approved for {$9000.00} credit limit in XX/XX/2019 by Citibank. I have made all payments. In XXXX there was a collection erroneously placed on my XXXX  report by XXXX XXXX and XXXX XXXX. Citibank reduced my credit limit to {$8400.00} as a result. I have been working towards getting this false collection off my credit. 

On XXXX XXXX I made a {$4100.00} payment to Citibank. They accepted my payment and then reduced my credit limit to {$4200.00}. As a result it now reflects that I am {$14.00} over my credit limit and at 101 % utilization!!! They cited derogatory payments on my XXXX  report. This is false. I provided all the documentation as proof that their explanation for reducing my credit limit was false. I provided an XXXX   report dated XXXX XXXX plus proof of credit cards that I have paid off and now have a {$0.00} balance on all but one credit card from my credit report. I also provided an email from the Director of Operations that proves the XXXX XXXX XXXX collection was reported in error and that it would be removed from my credit report. It has been removed from my XXXX  report and the documentation I provided indicates it. 

I was told by XXXX XXXX that the documentation I provided would be what she needed for my credit limit to be reinstated. They did not reinstate my credit and sent me a response that their decision was based on derogatory payments. Again this false and I provided all documentation requested by Citibank to prove so.

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 2018-05-06
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: Public record information inaccurate

Complaint:
To whom it may concern : I had file Chapter XXXX Bankruptcy back in XX/XX/2008 due to my XXXX XXXX business venture. For the last 10 years I had lost so much opportunity grow any business due to this obsoleted information. Please help me to remove this public record out since it had passed 7 years limitation. 

Thanks,

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 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
XX/XX/XXXX of 2020 I filed a amortization plan in the state of WI chapter XXXX with attorney XXXX XXXX  XXXX out of XXXX WI # XXXX. Case # XXXX XXXX County Wisconsin. My trustee is XXXX XXXX XXXX. They have been reporting this as delinquent to all 3 credit bureaus as missed payments and delinquent.

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 2023-03-08
Company: EQUIFAX, 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:
The unverified accounts indicated below reporting on my credit report, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be updated immediately for they are greatly harming my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My credit report showed that I had a late payment on XXXX of XXXX to my Kohls credit card. I have made multiple attempts to have this corrected on my report but to no avail. Back in XXXX I contacted kohls on the phone and they agreed that the account was paid in full and the negative late payment would be removed from my report entirely. That is not the case and it still is negatively affecting my credit score. I have been using the kohls card since XXXX with no late payments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-21
Company: WELLS FARGO & COMPANY
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:
I applied with my bank for a credit card. My bank came back to me after they say they reviewed my credit report with XXXX and says that XXXX shows " unresolved disputes '' on three of my previous accounts : XXXX XXXX, WELLS FARGO and XXXX. So I decided to review my own credit report through my XXXX  account, and all of those accounts, as well as all of my other accounts show closed/paid as agreed/never late. 

So, though my bank states that I should dispute what they say are unresolved disputes, when I look at the credit report, it does not state that at all - it shows the opposite - paid as agreed/never late. Since on my side of the XXXX web page it shows the truth, there is no way to dispute what my bank, XXXX XXXX, states they see when they pull my credit report.

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 2020-07-02
Company: Experian Information Solutions Inc.
State: GA
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiries : 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 explanation
Consumer complaint received 2023-08-02
Company: DISCOVER BANK
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiries : 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 TRANS UNION 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 2018-06-21
Company: EQUIFAX, 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:
On XX/XX/XXXX I faxexd over my request for dispute with Equifax for the following accounts, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. As of today 's date, XX/XX/XXXX, I have yet to receive any correspondence from them in regard to the results of the investigation. It is well over the 30 days allotted for the investigation to be started, completed and results sent back to me. They didn't respond in 30 days!

Company response to consumer: Closed with explanation