BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-30
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX I opened a new checking account with BMO Harris Bank with the promise of {$400.00} Bonus if I met certain requirements. I did meet all requirement and more and did not receive the bonus. I contacted the XXXX XXXX where I opened the account via email to inquire on the status of the bonus, I received a reply from Ms. XXXX XXXX that I met all the requirement and the bonus will be deposited into my checking account after 150 days from the account opening. I do have those email exchanges and after 150 days have passed I contacted the bank again, then the customer service via XXXX, and got different answers. On XX/XX/XXXX I received an Email from BMO Harris Bank congratulating me on qualifying for the Bonus. I contacted the Regional Manager of the BMO Harris and she never returned my phone calls.

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 2019-02-24
Company: JPMORGAN CHASE & CO.
State: NJ
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 have contacted customer service at Chase Auto about a inquiry on XX/XX/2017 And was informed they were unable to provide any information or present a application for credit allowing my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I sent a letter that detailed various inaccurate reported items on my credit report. As of today, XX/XX/XXXX, over 45 days later I have not received a response. Im not sure if my letters were discarded, or if they simply ignored my disputes, but I have not received any reply to my disputes. According to the FCRA Section 611 ( a ) failure to investigate these items within 30 days gives a reason to immediately remove these accounts from my credit report. It has been well over 30 days so they should be deleted immediately. I need these accounts to be deleted promptly, or I will be seeking litigation due to the strain this has placed on my health. Im fearful that these creditors have been using illegal tactics, or that my information was compromised as a result of the XXXX data Breach or some type of Identity theft. Please delete.

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 2020-05-20
Company: VANGUARD FUNDING LLC
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Received a confirmation from the Vanguard XXXX , XXXX dated XX/XX/20 of approximately {$63000.00} being " transfer to another account ''. Vanguard later confirmed this was their error. Neither I nor my wife initiated this transaction. It was eventually corrected. However, since I had a previous experience with Vanguard of approximately {$220000.00} gone missing and subsequently corrected, I asked Vanguard what action would be taken to better safeguard my funds. Vanguard called and indicated that they would not share any information regarding actions they may or may not take to enhance the security of my funds.

Company response to consumer: Untimely response
Consumer complaint received 2020-05-20
Company: Redfin Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage on redfin.com and on XX/XX/XXXX, I received an email that said I did not meet the minimum credit score criteria from a loan officer named XXXX XXXX XXXX XXXX. The company did pull my credit and I received an inquiry. I asked XXXX would I be getting an adverse action letter. She stated no and advised me to call the credit bureau. I advised her that per ECOA, REG B and RESPA I should receive an adverse action letter. She stated that because it was a preapproval, I would not get a letter. I advised her this is untrue however, the company refuses to provide the letter. I had to provide all financial documentation required for a complete 1003 and the company ran my credit. This is definitely an application.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: COLLECTION PROFESSIONALS INC (Illinois)
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/20 I checked my credit and found Collection Professionals marked me as having outstanding bills due. These accounts was never a collections account and vendor extended payment plan. All checks went to vendor and never to collections agency because it was NOT A COLLECTION, Not even the correct account number or date on one. From the first dispute they removed 4 of the accounts and left 3 which were not collection accounts. The most recent demand for money from them was of XX/XX/20 showing 5 different accounts that are not even open because all accounts have been paid in full and closed with vendor, some over a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX  data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid.

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 2019-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2019-03-05
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX, I am looking into my credit and I see addresses that are not mine possibly belong to a family member or another person. I was married so my last name has changed from XXXX to XXXX. Please make note or update the correct information. My currently and only address is XXXX XXXX XXXXXXXX XXXX XXXX OH XXXX. PLEASE DELETE REMOVE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX # XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-20
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MN
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:
My car, XXXX XXXX XXXX is financed through Toyota Financial Services. My car was involved in an accident and was totaled. As a result my insurance paid its part and my gap coverage paid theirs. There was still a remaining balance due which was sent to me to be paid off. First I received a bill for {$670.00} then another bill came a day later with an updated balance of {$590.00}. I paid the the bill with the balance due of {$590.00} and sent in my check with the bill attached following the instruction on the bill. Now after looking at my credit report, Toyota Financial Services has made a derogatory mark on my credit report saying I still owe {$80.00} and the the amount has been charged off. 

When I contacted Toyota Financial Services they're telling me they can't find my check or the bill they sent me of {$590.00}. They wanted me to send them a copy of the bill and canceled check. I told them I don't have a copy anymore because the instructions on the bill says to send it in with my check and that is what I did. I have not gotten a chance to send my cancel check because they did not instruct me on how to send it. I have talked to Toyota Financial 3 times. The first two times they said they were going to escalate and get to the bottom of it, but they never did. The last time I called, I asked to speak to a manager and they put me on hold forever that I had to hang up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-20
Company: Square Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I hired a mover named XXXX 's XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX phone number XXXX They wanted me to pay thru XXXX well the money was not available that day so they made me use Cash App but first I had to get a refund from XXXX which I did. Then I paid them thru Cash app {$1300.00} from my XXXX account. Then they started unloading my furniture. Yes they literally held my furniture hostage until they received the money that very day. Then I found out that the owner XXXX XXXX wanted another {$220.00} dollars because it took almost 2 hours to find a way to pay him the {$1300.00} I refused but his men were still unloading my furniture. What I did not know was that they had blackmailed my grandson and granddaughter into paying from their XXXX account the {$220.00} thru CASH APP. I did not authorize nor did CASH APP have the right to take funds from that account. Both my grandson and grand daughter are under the age of XXXX years. My grandson used his phone to access CASH APP but used my granddaughter funds from here XXXX XXXX account. I do not even have the CASH APP login because XXXX XXXX told my grandson to delete the file so I would not find out but it showed up later in the day on my granddaughters XXXX XXXX account. I was furious. I tried to get the money back from CASH APP but there in no phone number to call just their APP. I have sent numerous emails and texts to XXXX XXXX XXXX and XXXX and they stated that they refunded money but as of today I have not received this {$220.00} back into my granddaughters account. I am requesting the money back from CASH APP because it specifically states that you have to be 18 to use the app and both XXXX XXXX and XXXX XXXX knew my grandkids were under XXXX and sometining should be done to this moving compnay that holds people furniture hostage and you have to pay before they deliver your furniture

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Transunion is reporting false information about me and their negligence is preventing me from obtaining credit due to this serious error.

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 2021-06-13
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: Investigation took more than 30 days

Complaint:
XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
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 have been repeatedly been contacted by portfolio recovery associates  about the debt of another person. They keep contacting me and even on sundays. Their numbers get blocked but they use different numbers from all over the country.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-26
Company: WELLS FARGO & COMPANY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
after much aggrevation Wells Fargo has held a bankrupcy against me since 1999 on there systems .origanating attorney presscott and pearson New brighten mn sendt all forms to executive case number XXXX at wells fargo ive banked with them for 60 years and my bankrupcy was under XXXX XXXX who bought wells fargo.originating account XXXX .recently denied loan and account for XXXXCan you Help?

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 2022-10-27
Company: EQUIFAX, 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:
I submitted a letter to the XXXX Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Old information reappears or never goes away

Complaint:
This Bureau just keeps lying in their responses to you. They say they're going to do something, then when I run my credit I find out they either made more errors or never corrected the items. So they send me their version of a fake report claiming to have made corrections but didn't in reality. So when I run my reports monthly is when I find the errors are still there or worse! I am demanding the information below be removed per my last few complaints to the CFPB that remain in error! If they don't do it right this time they'll be staring down a civil law suit! No one can be this XXXX! But they seem to be! This is why they should not be trusted to handle any consumer information, they're constantly screwing up! 

1. XXXX still remains on my report as an employer when I haven't worked there in XXXX  years! I'm tired of demanding it be removed! Remove it or I sue! 
2. They deleted my current street address ( XXXX ) from the report & replaced it with a XXXX  that I never had! XXXX XXXX & XXXX are current! See attached. Fix it now or I sue! 
3. They " added '' an address that is NOT MINE to my report! See attached. I got a notice from my credit monitoring service recently & now this is on my credit as a " previous '' address when it was NEVER my address! I've only had XXXX XXXX in UT! Remove it or I sue! 
4. XXXX XXXX XXXXXXXX - comments about my having disputed this account when I NEVER DID & demanded numerous times it be removed, remains on my report! If they can't fix it then they need to permanently delete the account BY LAW since they keep screwing this up! I never disputed the account so they either remove the comments or permanently delete the account per the law! See attached. If it shows back up I will sue!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
account XXXX XXXX XXXX XXXX  card PAID in FULL credit bureaus stopped reporting it as a paid account and deleted it off my credit reports. This account needs to be reporting on my credit report! I have sent certified letters and complaints and i believe to be getting discriminated against since i have ignored and shoved to the side. This account needs to be REPORTED!

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 2021-01-26
Company: EQUIFAX, INC.
State: GA
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 Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: SYNCHRONY FINANCIAL
State: NM
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On or about XX/XX/2017 I made a purchase from XXXX XXXX, a XXXX XXXX. I purchased a power washer and agreed to pay for the purchase through a credit offer from Synchrony Financial ( credit card ). I went on line to Synchrony 's web site to review my bill and set up payments ... There was a " Promotional Purchase '' offered " no interest for 12 months '' I entered into that payment plan. Having participated in other 6-months, 12-months, same a cash offers I thought this was a good deal, until I went on line after my first payment had posted and reviewed my bill. I shocked to see " Promotion Fee '' of {$50.00} added to my bill. I called the company ( XXXX ) to inquire about the {$50.00} fee and was told that by singing up for the " 12-month promotion '' I agreed to pay the {$50.00} fee. I stated that at no time was I told that there would be a fee of {$50.00} to enter into a same as cash payment plan. The customer service person informed me that cost was in the contract I signed, I replied that I was not informed that this type of fee would be imposed. I requested to speak with a supervisor, XXXX # XXXX in XXXX came on the line, I explained my situation to her and she replied : " I 'm sorry Sir there is nothing I can do for you. '' She went on to say that you should have looked at the paper work before signing. I feel that this is a fraudulent action by Synchrony Financial, the {$50.00} fee I was charged would possibly end up being more than any interest I would have paid on a {$400.00} charge over a 12-month period.

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 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Good Morning, On XX/XX/2020 I tried to receive my free annual credit score from XXXX, Transunion, XXXX, and XXXX. I was unable to receive it due to not being able to confirm my identity despite using the correct information.

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