BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-01
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: OR
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
This is follow up to complaint XXXX which I have previously indicated the company response was insufficient. 
Due to BMO taking TWO Payments in XXXX, there is now insufficient funds in my account for the XXXX payment of approximately XXXX. There is a XXXX external transfer pending of XXXX, the request was initiated automatically through BMO on line banking ( as it is every month ) on XX/XX/XXXX. As I indicated in my last complaint : 1 ) why does it take up to three business days to transfer and credit funds and 2 ) this is a scam to charge late fees. Due to the fact that my incoming transfer will not arrive in time, I am afraid BMO will use this as an excuse to charge me an Overdraft fee or late fee or BOTH. 

Once again I turn to the issue of security questions. I supplied my loan number, social security number, zip code, property address and phone number. The last question was 'what is the term of the loan '. I answered 'a 15 year HELOC ' which XXXX found to be unacceptable. He wanted to know the remaining term based on the account opening. WHO IN THE BLOODY XXXX KNOWS THAT? Again I must say that these questions are onerous, offensive and designed to prevent inquiries being made on accounts. I informed XXXX XXXX we just got off the phone ) that his questions were overbearing. He told me I would have to call back later ( which would accomplish what? ) or go visit a branch. It so happens I am not near a branch and they would probably ask the same questions, so again I ask-to what end would that accomplish? 
I find this entire affair with BMO to be completely frustrating and the lack of cooperation from the BMO side is AMAZING!!!!!!!

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 2020-01-17
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Citibank has blocked my debit card few times and I verify my account through my phone number at least 3 times and and I was making few small purchases through XXXX XXXX   and today on XX/XX/2020 Citibank is unable to verify my phone number which its kinda weird and I unable to use my debit card and I was told that I have to wait one hour for a security code but Im so sick of this and they keep blocking my card and they refused to close my account and withdraw all of my money .... and they kept blocking my card and I had the same phone number for little over a year and Citibank told me that my phone number was brand new and they unable to verify me ... but they did in the past and they refused put out my money out of the bank and I want to switch banks

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 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX ( XXXX ) account has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-09-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Im trying to get a car but no one can get my credit report to release. I had to quit my job because of transportation issues and not being able to afford ubering to work.

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 2022-06-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After receiving my credit report, I am not happy when I see these inaccurate items still in there I feel like I'm being taken advantage of for being ignored by my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2022-02-24
Company: BARCLAYS BANK DELAWARE
State: NC
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:
I have had my XXXX card awhile and did not have any complaints until someone made a fraudulent charge on my card on XX/XX/2021 at the time of XXXX EST, at XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC in the amount of {$640.00}. After realizing the transaction had been made on my statement, I contacted XXXX XXXX fraud department and explained that I did not make the charge. They followed up and said that the charge was made in person using my card. My card was never out of my possession and the charge was made in a pawn shop in a location that I have never been close to, much less inside of the store. They ran an investigation and replied that I would have to prove that I did not make the charge. So under my own expense and time, I was able to show a bank 's video of me and a copy of the transaction I was completing taking place, one hour and 23 minutes before the supposed transaction in the pawn shop took place, which was four hours away, by car, from the bank in XXXX, NC. I supplied all of this information to the fraud department, including pictures and timeframe stamps from the bank, only to receive a letter yesterday stating that my fraud claim has been denied and that I am still responsible for the fraudulent charge, including late fees and charges. I wonder what their process was to determine how the pawn shop was able to use my card that was in my possession.

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 2019-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Trans Union, XXXX and XXXX are not responding to my requests to investigate and remove accounts from my credit reports that were opened fraudulently.

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 2023-07-01
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: Public record information inaccurate

Complaint:
I filed Bankruptcy but decided to not go through with it because I realized it wasnt needed for me but its still effecting my score

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 2020-04-26
Company: FORD MOTOR CREDIT CO.
State: MI
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:
On my credit report it shows that in the month of XX/XX/XXXX, that I had a late payment which is inaccurate. Also on my credit report under that same closed auto loan it states that the account has never been late. I also had issues with leasing another vehicle with Ford. I attempted to renew my lease in XX/XX/XXXX due to being over my miles, and was told I would be able to do so without any issues. I continued to get the run around about when my new vehicle would be ready and constantly called them. I was never contacted back and due to unsatisfactory service, was forced to turn my leased vehicle in early. I am now working on the remaining balance but have never had a late payment while the account was opened through Ford.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act my XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on an installment loan under an open end consumer credit plan as late for any purpose.

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 2022-02-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022, I suffered a loss to my Bank of America Account from my unemployment  insurance paid monies from the Employment Development of the State of California for the amount of {$3500.00}. A fraudulent account was created with XXXX XXXX with my identity and therefore a fraudulent withdrawal transfer was made to my account to a false created account with XXXX XXXX  Online banking. I have filed a police report with the XXXX XXXX XXXX Department, in XXXX, California. I have reported both the Employment Development Department Fraud division by letter and by fax, and also have filed claims and fraud reports with the Bank of America, which gave me the information that a transfer was made to XXXX Bank on XX/XX/2022 for the amount of {$3000.00} dollars from my bank of America debit card account. I have contacted XXXX Bank online banking through email to advise them that I have not opened an account with them at all. And requested them to close all accounts as they are fraudulent but have not received any updates or neither have I been in contact with anyone from XXXX Bank regarding this awful situation. I have faxed the EDD but have not received any updates on the claim. The bank of America has sent me a letter telling me that they decided that my claim is resolved and therefore they will not pay me for my loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I setup a monthly payment with portfolio recovery. All of a sudden after the 3rd payment the payment amount went up against my consent to do so and against our original agreement, and then i continued to get texts and phone calls stating my payment arrangement had a problem. I have been called at XXXX XXXX  and at XXXX. I have been called consistently throughout the day, even on weekends and sundays due to them breaking our payment agreement. It is affecting my workdays and my after work rest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
They refuse to investigate dispute because they claim they investigated it in 2015 there are two loans on this account that are over seven years old and still remain on my credit report I asked them to delete them and I got no response from my written dispute to their company which is XXXX credit reporting

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 2022-03-14
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I mailed a letter to Equifax on XX/XX/XXXX to investigate the following : I have carefully reviewed my credit report and can't seem to make sense of some items you are reporting. I need you to take a look at the following items due to the fact that you are hurting my good name by reporting these inaccuracies. Account Name : XXXX XXXX AND XXXX Account Number : XXXX How can there be 3 different dates of last activity listed? Equifax reports XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XXXX reports XX/XX/XXXX. Per FRCA laws, your agency must report accurate information on my credit report. According to this inaccuracy you are in clear violation of the FCRA. Delete for inaccurate data being furnished on my credit file. Send me a copy of my credit report once you have done my request. My concerns were never addressed, I received a notification on XX/XX/XXXX that my dispute results were available for review. The results were that this account was update. The only Item that was updated on my report was the date of dispute. The reporting agency did not acknowledge or provide an explanation to my questions or concerns. Ive been disputing the inaccuracies of this account for going on two years. The last complaint that I made about the agency was closed as the agency stated that information would be provided to me. After this complaint was closed the only notice that I received from this agency is they would not investigate this account again if I didnt provide another reason for dispute. However, Ive provided the agency with numerous inaccuracies regarding this account. From the date of last activity, high balance, balance owed, date of last payment, term length, and account status. I will not accept Equifax stating that they will provide me with more information in order to close this complaint. This agency needs to update this account with correct information or delete due to the inaccuracies. Saying that this matter has been initiated with the with the data furnisher will not do. I received a copy of my credit report from Equifax dated XX/XX/XXXX. Within this report all the Date of Last Activity is blank. Isnt this considered an error on my report? I ask that this investigation be reopened or Ill file yet another complaint against this company. Please review my previous complaints against this company due to their inability to provide facts of why these inaccuracies are still on my credit report. XXXX, XXXX and XXXX are complaints against this company for reporting inaccuracies on my report and CFPB closed these complaints are the company states that they initiated an investigation with the data furnisher. Have Equifax provide the proof of the previous investigation back in XXXX of XXXX and provide to both the CFPB and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Representatives from XXXX, XXXX XXXX XXXX ( XXXX ) have repeatedly called my phone. When I called them back, agents ( XXXX XXXX and XXXX XXXX ) repeatedly hung up on me when I attempted to get verification of the debt owed and talked over me when I sought information about the debt, and only wanted to collect payment information without proper debt validation/verification. Each agent hung up on me when asked about debt verification and/or to connect me to their legal department or a supervisor. XXXX, XXXX XXXX XXXX ' agents stated that a chapter XXXX discharged debt was STILL owed even after I informed them that the debt was discharged in federal bankruptcy court in XX/XX/XXXX. They then threatened me with a lawsuit if I attempted to collect any further information from them and threatened that without agreeing to pay for the debt today ( on XX/XX/XXXX ) they would send over the false documents of a debt owed to XXXX Bank for " over draft fees '' in the amount of {$940.00} to the federal credit bureaus. I provided my attorney 's contact information to agent XXXX XXXX who was extremely rude & nasty. This collection agency harraseed me and verbally threatened to ruin my tediously rebuilt credit over a debt discharged in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
I received documentation from XXXX XXXX offering to refi my XXXX for a lower interest rate. After I spoke with a representative it was obvious that they could not beat the rate I currently have so I declined the offer. I did expect ONE hard credit pull for this transaction, but there are THREE-two of which I do not recognize nor did I approve.

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 2023-02-10
Company: WELLS FARGO & COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have had a car loan with Wells Fargo since XX/XX/XXXX. Since XXXX of XXXX, I have had multiple issues of them stating they have not received payments even though my bank has transferred the money via the Wells Fargo app. In XXXX of XXXX, Wells Fargo changed how they allow payments on their app. I connected my loan information to my bank and paid XXXX car payment. On XX/XX/XXXX, I made a payment and it was received from Wells Fargo. Today, XX/XX/XXXX, I received a letter from Wells Fargo telling me I am 3 months behind and my payment due date is XX/XX/XXXX. I have spoken with Wells Fargo and they stated they will look into it. I have also contacted my bank for further assistance.

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 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX  IS REPORTING A FRAUDULENT ACCOUNT ON MY PERSONAL CREDIT REPORT. THIS ACCOUNT WAS OPENED FRAUDULENTLY, WITHOUT MY CONSENT. THE CHARGES ARE FRAUDULENT, I NEED THIS FRAUDULENT ITEM TO BE REMOVED FROM 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 non-monetary relief
Consumer complaint received 2021-06-23
Company: Global Lending Services LLC
State: CA
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:
During the pandemic it seems that my credit was ran to try to obtain a car. I do not have any open accounts for a car in the last year. I have been calling to get the inquires removed as this is a reflection on my three major consumer reports. Also the information does not match across all three reports and due to that information alone the inquires must be removed.

Company response to consumer: Closed with explanation