BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-21
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was solicited by BMO Harris bank to open a checking account and I would receive {$300.00} bonus. I opened account and added my husband as co-owner on online application. The offer was to have direct deposit, account activity, and paperless statements. The account type was selected by BMO per the offer. It was not disclosed in clear terms that I needed the maintain {$25000.00} balance to avoid being charged $ 25 month. 

The account opening was in XXXX or XXXX. XXXX and XXXX I see 2 {$25.00} fees. I inquire and I am told that is based on account type. I explained this is what I was told should be opened for offer for {$300.00} bonus that was made. Offer only referenced {$6000.00} or {$8000.00} of direct deposit over 90 days with debit card activity and online statements. Nothing about keep $ XXXX balance. 

They refunded XXXX of the fees and in XX/XX/XXXX or so confirmed request to change account type. XX/XX/XXXX they charged {$25.00} fee again. I asked for this to be returned as I already changed account type to online account. They refused! I further inquired about {$300.00} bonus and was told I was an existing client! This was not true I had never been a client before! This whole thing is so sickening! 

People are struggling. I am an unemployed XXXX XXXX XXXX due to COVID collecting unemployment. It is painful that I get solicited for my banking. I keep my side of bargain and not only do I not receive the bonus but I am out {$50.00}! I am sure this nickel and diming bank has received some type of COVID relief from government. Its a crime how they are treating people like me struggling with no help. 

Please help me recoup fees and the bonus that is owed.

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 2018-07-16
Company: Experian Information Solutions Inc.
State: FL
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:
I have mail my driving license, social, bill statement to Experian, XXXX, XXXX and they still have not correct my address. There should be only one address on 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 2019-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
TransUnion reporting an old medical debt as a collection item

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 2017-08-10
Company: Atlantic Credit & Finance, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a XXXX 's XXXX credit account which is delinquent and was recently sold to a third party collection agency - Atlantic Credit. I received a letter in the mail regarding the outstanding balance but I have received no less than 5 calls per day since the beginning of XX/XX/XXXX. Not only do they call from their toll free number, I have received calls from a XXXX number in XXXX, VA as well as from a Restricted line. They do not leave messages from any of these numbers. On XX/XX/XXXX, I accepted a call from the restricted line to inquire who was actually calling. Atlantic Credit informed me they were trying to contact me before they had a local attorney take over the account.Upon speaking with XXXX XXXX and her supervisor, XXXX, I informed them both of my reason for the delinquency as well as expressed an intent to work out a payment arrangement. I also informed them both that I was at work and would not be able to accept calls during business hours and would have to call them from home during non business hours. On the morning of XX/XX/XXXX at XXXX, I received another call from the Restricted number but again they did not leave a message. I am interested in discussing a payment arrangement but I am not interested in receiving multiple calls from multiple numbers nor am I interested in feeling as if I 'm being harassed with threats of legal action or sarcastic comments regarding my intent to pay.

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 2020-09-04
Company: Experian Information Solutions Inc.
State: FL
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:
CONSUMER FINANCIAL PROTECTION BUREAU Experian HAS CONTINUED TO CLOSE MY DISPUTE AS EITHER DUPLICATE OR WITH THE FOLLOWING RESPONSE TO MY COMPLAINT " Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request. According to the federal Fair Credit Reporting Act, " if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' Therefore, you can dispute any inaccurate information directly with Experian for free. If you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number that displays on your Experian personal credit report, or visit our secure web site at www. experian.com/dispute. '' I HAVE BEEN SENDING AND UPLOADING LETTERS, AFFIDAVITS AND POLICE REPORTS to the EXPERIAN dispute portal as indicated in their response ABOVE since XX/XX/2020 up until today XX/XX/2020. I have notified Experian of a FRAUDULENT MORTGAGE COLLECTION IN MY NAME. 1 ) I HAVE PROVIDED THE FTC AFFIDAVIT. 2 ) I HAVE PROVIDED TWO SEPARATE POLICE REPORTS. 3 ) I HAVE SUBMITTED 5 REQUESTS IN WRITING TO BLOCK SPS/SELECT PORTFOLIO SERVICING FROM MY CREDIT FILE PER EXPERIAN 'S DETAIL GUIDELINES DUE TO FRAUD. 4 ) I HAVE SUBMITTED 14 LETTERS OF DISPUTE TO EXPERIAN FOR XXXX XXXX XXXX. 5 ) I HAVE SUBMITED 14 LETTERS REQUESTING THAT MY PERSONAL STATEMENT " I AM THE VICTIM OF FRAUD. SPS/SELECT PORTFOLIO SERVICING IS NOT MY ACCOUNT AND I HAVE FILED A POLICE REPORT OF FRAUD FOR 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 2019-03-12
Company: ECMC GROUP, INC.
State: OR
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I borrowed XXXX for school at XXXX XXXX college, and they sent my student loan to collection agency without contacting me. The collection agency, ECMC, now wants XXXX. They are trying to garnish my wages, I am on food stamps and get utility assistance because the cost of living in the city of XXXX is so high. I am already well below the poverty line, this is predatory and unfair practices by ECMC

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 2019-03-12
Company: CHECK INTO CASH INC.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Send Company a validation of debt communication XX/XX/2019, certified. Did not receive validation of debt but did receive a communication XX/XX/2019 stating that 30 days was an insufficient amount time to properly investigate this dispute. Accordingly they would cease collection efforts, yet never delivered validation of debt continued to report to the 3 bureau 's and have yet to indicate consumers disputing of the debt. 
Numerous FDCPA violation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: General Motors Financial Company, 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:
Hi, On XX/XX/XXXX I've send a secure message through XXXX XXXX XXXX asking if they can help place my account on deferment. On XX/XX/XXXX they replied with an offer to help due to COVID19 and place my account payments to the back end of the loan which was big help, but only to find out later from an alert from XXXX  my account was marked 30 days past due and dropped my score -32 point, my credit was fair at the time and now puts to poor causing my other grantors reviewing my credit now and closing my account. 

I've called XXXX and for them to say they we behind on processing the deferments and would correct the problem but the person on the phone had computer issues but did say they know of the issue and would take action to correct. I said I've call back which I did today only to fin out nothing was done and told to write a dispute letter to them and they would investigate. I told them I'm not writing a letter to dispute an issue they caused and should fix the problem without having people in the same situation as me having to mail a letter with everything going on with this pandemic. 

The person I spoke with by the name of XXXX sent a complaint to their internal but again this will only fall on deaf ears, after all I'm little guy and no cares whether this is corrected or not. I have others who have also done the same thing like GM financial, marked 30 days with a drop of another -32 points. At this point I won't get a job. This only adds to my stress and anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: SUNTRUST BANKS, INC.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
PLEASE HELP!!! 
Two money transfers between XXXX  XXXX XXXX and XXXX XXXX using " XXXX '' application to PHONENUMBER ( XXXX ) XXXX as follow : 1 ) $ XXXXUSD sent on XX/XX/XXXX from XXXX XXXX XXXX to XXXX XXXX XXXX . 
2- $ XXXXUSD sent on XX/XX/XXXX from XXXX XXXX  XXXX XXXX XXXX XXXX XXXX . 
Both were received at SunTrust Bank account for an individual named " XXXX '' we do not know his last name. 
My wife went to XXXX XXXX to find out who was the previous owner of her telephone line prior XX/XX/XXXX ( date she purchased that line ). They said, they could not provide that information to her ; even though she explained the emergency. 
She tried to call the people that sent texts to the prior owner. They answered " I don't know XXXX 's last name ''. 
We called SunTrust and they told us " Initiate a research with XXXX  XXXX XXXX '', I started the Dispute charge back. 
After 23 days of that investigation, I received a letter, telling me that they couldn't find the " recipient '' who " retained '' my money and " they consider this matter resolved ''. 
We are honest people that work 40 hours per week in order to get paid, not to get robed. We worked for that money and it is really frustrating thinking about the " recipient '' having fun with our funds. 
That person could be someone that is trained to run this type of fraud. My wife had that telephone number until XX/XX/XXXX and decided to change it to a new number because all messages were about " disgusting services ''. 
We really appreciate the time and help you can provide. 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 2019-03-12
Company: Nathan & Nathan, P.C.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was given to Nathan and Nathan. I settled the debt in XXXX of 2018. Nathan and Nathan communicated with the original debtor ( XXXX XXXX ) the account was settled. XXXX XXXX has been still reporting to the credit bureau that I have an outstanding debt. They also have been reporting failure to pay even after receiving payment last year. I have been getting negative marks because it is showing I haven't been paying for months but the debt was settled and I don't owe anything. I've disputed twice and talked to them on the phone and still no results.

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 2018-07-23
Company: TOYOTA MOTOR CREDIT CORPORATION
State: UT
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:
Toyota Motor Credit is reporting a repossession on my credit file for my auto loan on the car that is still in my possession and paying faithfully every month. They are in clear violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XXXX XXXX, 2017, I applied with Capital One for a Credit Line Increase - I was denied. I was able to open a new line of credit with Capital One. I was advised by a representative - even though my exposure would remain the same, I would be unable to merge the lines to one Line of Credit. I also was advised that ALL credit decisions are computer-based and their company does not take part in judgmental lending, period. Both requests were made same day, within an hour. Judgmental lending is necessary for a healthy credit relationship, as computers are not as smart as we give them credit for. These actions make NO SENSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: Cottonwood Financial Ltd.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Mailed validation of debt XX/XX/19 and no validation received, but only receiving a communication XX/XX/19 indicating the inability to properly investigate because 30 days wasn't a sufficient amount of time to validate alleged debt. 
Debt buyer, though no validation has been received of authority or contract of authority yet continues to report to the bureaus without updating that the account is in dispute. 
Multiple violations under FDCPA.

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 2019-03-12
Company: Experian Information Solutions 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:
I have complained several times to Experian that there is inaccurate information on my credit report. They have not adequately explained why the information is on the report and their supposed investigation just seems to be to believe the debt collection agency instead of actually investigating the report. They have not shown any evidence that the debt reported is an actual debt that I owe. 

The specific debt on the report which I have attached is from XXXX XXXX XXXX XXXX. The original debtor they list is XXXX XXXX XXXX XXXX. I have never had any direct relationship with XXXX XXXX XXXX XXXX. The company I work for has had a relationship with this company in the past although my employer also doesn't owe them any money. I've spoken to XXXX XXXX XXXX XXXX and told them I don't owe them any money. I've also disputed this with Experian but they did a meaningless investigation and did not share anything they found with 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 2019-03-12
Company: CARD Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I went to a XXXX gas station in XXXX XXXX Florida XXXX that I used charge me {$0.00} for gas when I got my card it is trying to charge me {$50.00} for gas that I never got I only got {$0.00} in gas and the pump stopped now the XXXX is keeping my {$50.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
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: Investigation took more than 30 days

Complaint:
Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates.

EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury.

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: APG Financial Inc
State: UT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have called APG financial on 3 different occasions, XX/XX/XXXX XX/XX/XXXX and XXXX, asked for their credit department or an email address. They have never given me any ones number or contact information and have only told me there is nothing that they can do to resolve the issue. They have falsely reported a bankruptcy to the credit bureaus on my credit report. My account is up to date and I havent missed a payment with them to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: Global Credit & Collection Corporation
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This company is calling me threatening to contact my employer they are also calling my family leaving voicemails saying they have my # SS number and they will follow nd me and I cant hide. They have been asked to stop the calls but will not. They will not disclose who they are the only reason I found out is because I had been making payments with h them but I felt like Im paying money that I dont owe. The amount it more than the original loan considering I already made payments on the account. I told them I was having financial hardship and could not afford the payments but they continue to harass me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: CITIBANK, N.A.
State: FL
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:
On XX/XX/XXXX I paid my Macys credit card off as agreed and they still have refused to remove it from my credit report after being told that they would over the phone. I have made disputes and it is still there. Also, I am unaware of XXXX XXXX XXXX inquiry on XX/XX/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 2020-11-21
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
In XXXX, my account was compromised for a period of about a week and again in XX/XX/2020. I reported this to Cash App almost immediately. Upon following up, I was originally told that I didn't file a claim within 60 days, which I did. Another CashApp employee verified that, but stated that I never sent back a form they sent me. This is false. There was no form sent to me. When OI attempt to communicate with them, they ignore what my concern is and start talking about some random charge that has nothing to do with the issue at hand. I have several emails proving this. It's really rather strange and intended to divert a situation they are obviously guilty for. Today I have learned that XXXX XXXX ( XXXX XXXX ) has been receiving payments from my account. These charges, like the ones in XXXX, are a result of someone assuming my identity via the Cash App and transferring my funds out. My rights are being violated. I need them protected in the XXXX and XXXX incidents as well as this most recent issue beginning XX/XX/2020 through XX/XX/2020 and totaling {$2300.00}. The incidents in XXXX and XXXX total over {$11000.00}. Cash App is being deceitful in dealing with this claim. I will include statements with the charges circled that are invalid. I am including all statements for all events.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: Experian Information Solutions Inc.
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Disputing this account and FCRA VIOLATIONS on this account several times. 

( Arizona Law ) haven't received any notices to Prior to selling the car, the lender must notify you of the date, time and location of the auction. which never been offered to me. which I requested numerous times & please enforce the fcra law I demand the documents or please remove. 

The original creditors and Credit bureaus reporting two different open dates. 

Last Payment is inaccurate that is a violation

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