BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-08
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2022, I received a letter in the mail from BMO Harris Bank regarding a new savings account that was opened in my name. I did not open this account. I contacted BMO Harris immediately and informed them that this was fraudulent. I then filed a report on XXXX. A report pulled from XXXX showed that a fake California driver 's license was used to open this account. I provided this information to the BMO Harris fraud department. I never received a follow-up from them and was unable to speak with anyone at the fraud department despite trying to contact them several times. On XX/XX/2022, I saw on my credit report that a credit card had been opened in my name at BMO Harris bank. I did not open this credit card. I filed a police report and again contacted the BMO Harris fraud department and provided them with the police report number. The person I spoke with at the fraud department recognized these accounts as fraudulent. They also informed me that is was there policy to not contact consumer who filed identity theft claims and that I must contact them for updates. However, there is no direct line to the fraud department. I've called the main customer service line multiple times and even they were not able to speak with someone from the fraud department on multiple occasions. I also filed a dispute with the three major credit bureaus regarding the fraudulent credit card account and fake address used on my credit report. However, the all three denied my identity theft claim and stated that the credit report was accurate, despite all the evidence to the contrary.

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 2019-04-25
Company: EQUIFAX, 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:
I currently have two addresses that appear on my credit report that I have never resided at that are not associated with me, and that do not belong to me. The addresses are ( 1. ) XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, and ( 2. ) XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. 

I also currently have a total of 9 Hard Inquiries that appear on my credit report that I did not authorize. They are : ( 1. ) XXXX XXXX XXXX  ( 2. ) XXXX XXXX XXXX XXXX XXXX XXXX 3. ) XXXX XXXX XXXX XXXX 4. ) XXXX  XXXX XXXX 5. ) XXXX XXXX XXXX XXXX XXXX XXXX 6. ) XXXX XXXX 's ( 7. ) XXXX XXXX XXXX  ( 8. ) XXXX XXXX XXXX 9. ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: Coast to Coast Financial Solutions, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was not given a written notice from Coast to coast financial regarding an alleged debt that occurred in XX/XX/2013.

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 2018-03-21
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Good Morning, On XX/XX/XXXX my loan payment of {$590.00} was due. A payment of {$400.00} was made on XX/XX/XXXX and {$190.00} on XX/XX/XXXX satisfying this payment. 

A few days before my due date I received an email advising I owed {$400.00} to my XX/XX/XXXX payment. 

On XX/XX/XXXX, I called XXXX XXXX at XXXX and spoke to a customer service representative after reviewing my payment history and could clearly see the issue was what the company did with the XX/XX/XXXX {$400.00} payment. The representative checked my records which was expected but after a good amount of time passed I felt as if he was looking for any reason to make the issue my fault. However, he could not find an issue and I was advised he would submit an action to have the {$400.00} credited to my XX/XX/XXXX payment. This would take 7-10 days. 

On XX/XX/XXXX, I called XXXX XXXX at XXXX and spoke to another customer service representative as the {$400.00} was not credited to the XX/XX/XXXX payment in the time period advised and my XX/XX/XXXX bill was showing I owed a payment due of {$990.00} and not the regular {$590.00} on XX/XX/XXXX. She advised that the other representative did put in to have the {$400.00} credited to the XX/XX/XXXX payment but it would take much longer for this to be credited with a timeline of 4-6 weeks. 4-6 weeks?!?! What financial institution, business, or otherwise takes 4-6 weeks to make account related changes? 

Full disclosure this is not my first issue with XXXX XXXX and have had to stay on top of my student loan account due to the amount of mistakes they make in servicing my loan. Most are minor in example not processing an ICR plan reapply in an attempt to get my spouse to sign paperwork on my loan despite having all of my loans prior to being married. 

However, considering the issues and my status of applying for loan forgiveness I believe these issues are related to cause issues down the road when applying for the forgiveness. 

At this point I feel I have no other option but to file a complaint with the CFPB every time I have an issue because there is no other real recourse for XXXX XXXX actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-13
Company: Exeter Finance Corp.
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: Credit inquiries on your report that you don't recognize

Complaint:
I was alerted of hard credit inquiries which I did not authorize and no knowledge of. I was advised by companies to dispute with credit bureaus as they could not remove. Credit Bureau explained FTC filing is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: BARCLAYS BANK DELAWARE
State: OH
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 use XXXX XXXX and was notified today XXXX that someone accessed my credit score without my consent.

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 2018-03-21
Company: Omega RMS, LLC
State: NV
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 XX/XX/XXXX I submitted a complaint to CFPB ( complaint : XXXX ). That complain has since been closed, however the information I requested in feedback has not been provided by the company, Omega RMS. The company responded to the complaint and I provided feedback. In my feedback I requested proof of the information in the company 's response but have not been provided that information. 

I am disputing the " placed for collection date '' as well as the " client date last paid '' that is being reported to the credit bureau by Omega RMS. 

According to the information I received from the original creditor, XXXX, and the last payment was made XX/XX/XXXX. I have requested multiple times for all information from Omega RMS including proof of the last payment and that information has not been provided. I have only been provided the information that was attached in the initial complaint. Furthermore, the " placed for collection '' date is incorrect. Per the original creditor, XXXX, the placed for collection date is XX/XX/XXXX. Omega RMS is reporting XX/XX/XXXX as the placed for collection date which is not accurate. 

The original creditor, XXXX, also confirmed the account was charged off XX/XX/XXXX. Omega RMS in their response to the initial complaint stated they are collecting on behalf of XXXX XXXX, however the account had been charged off by the original creditor and they are no longer pursuing collection on this account. Omega RMS is attempting to collect on a debt that they purchased ( XX/XX/XXXX XXXX from a 2nd party collection agency ( XXXX ) that is no longer in business and also not pursuing collection on this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX my FICO score went down from XXXX  to XXXX. I immediately log in to the 3 Credit Bureaus website to check what happened on my credit score ; I ended up submitting online disputes. I wasn't able to provide and attach any file supporting my claim because I don't have any documents at that time. There was no phone call, email, nor a final statement of account about this collection claim of {$86.00} that was reported by XXXX XXXX XXXX. The credit bureaus investigation results say that the claim is valid but didn't provide any reason. I decided to call XXXX XXXX  the credit collection agency in Texas that reported this claim to the credit bureaus. I asked what was the {$86.00} collection claim on my credit report that they also failed to notify me ; there's was no statement of account for me to verify. In the end, they ask for a dispute letter for them to investigate on this case. On XX/XX/XXXX I sent a dispute letter to XXXX XXXX On XX/XX/XXXX, I received a collection bill from XXXX XXXX XXXX The very first bill I got regarding this claim, but then again, I don't know the details of how I ended up having a credit of {$86.00}. OnXX/XX/XXXX I sent the dispute letter they asked to dispute the validity of the debt that they are claiming. In reply to my dispute letter, on XX/XX/XXXXXXXX  sent me a copy of all the documents they have on my account. For the first time, I finally see the final account statement billed by XXXX XXXX XXXX I can finally explain myself and again dispute those charges, those charges on my account are not valid. On XX/XX/XXXX, I sent another dispute letter to XXXX XXXX XXXX to explain what really happened and that their claim is not valid. I asked them to remove the collection claim that they reported to the credit bureaus. With all these steps of explaining and sending the dispute letters nothing solved my problem. I still have a collection report on my credit history and my credit score is still low. As my last resolve, I am filling this complaint and I will attach copies of those disputes letters and other supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: Experian Information Solutions 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:
XXXX XXXX which I hold no contract with nor have received services from, reported a charge off against my SSN in the amount of {$5700.00} with Experian, XXXX and XXXX credit reporting agencies. I requested verification of the debt and account however XXXX XXXX  failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-21
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing due to National Credit System is trying to collect on a debt that is not accurate. Two of the credit bureaus have remove this inaccurate information from my file. 

This company according to the State of Florida secretary website shows this company not active to collect in Florida. I have attached that document.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX is not Bonded in the state of Texas to collect debt.

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 2019-04-25
Company: EQUIFAX, INC.
State: ND
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:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 13 and 14 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
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 submitted a Lease Payment Deferral Agreement with XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX ( not 30 days late at this point ) to defer XX/XX/XXXX payment. At that time I paid the deferral fee in the amount of {$120.00}. I requested for the Deferral documents to be emailed to expedite the process time to ensure that the agreement would be processed in a timely manner. I did not receive the document on XX/XX/XXXX, therefore I contacted XXXX on XX/XX/XXXX to receive the documentation needed, I was advised that the email was sent, it takes a few minutes to be received. I attempted again on XX/XX/XXXX to receive the documentation and I signed and returned the documentation by fax receiving a confirmation of receipt. I contacted XXXX early XX/XX/XXXX to see if the information was received and I was advised that the deferral was not processed at that point and I was advised to call back. I contacted LFS on XX/XX/XXXX to learned that the documentation was not received or processed, therefore I sent the documentation again. At this time the Hurricane Irma had made landfall in the Florida/Georgia and we were forced to evacuate. I learned a week later that the deferral was not processed until XX/XX/XXXX and a 30 day late payment was applied credit to our credit report. A dispute was sent to the dispute department and denied stating that the payment was already 30 days late which is incorrect. This account has never been 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Lets see where can I begin, first and foremost, these debt collectors think they can magically pull over a fast one over me. I recently decided to check my credit score to find that a new collection had been added to collect on a debt that was never mine to begin with thus dropping my score down to 25 points because of this injustice. XX/XX/2018 commonwealth financial systems decided to collect for the amount of XXXX first I never was sent anything over the mail regarding this debt or my right to dispute this which is a violation of the fair credit reporting act. second buying from another debt collector doesnt mean you can scam me. I have monitored my credit report on the daily to mysteriously find that the numbers from the previous debt collector XXXX matches ( XXXX XXXX ) ring a bell? Again I refuse to give my information out in the open to be scamed. you debt collectors are getting very sloppy which is ultimatley going to end up with you being sued big time. you are getting information about me without express consent. i will be sending this to my lawyer in the meantime for him to look at while we are at it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Received notification with my bill a few days ago that my apr was increasing to 23.4 % and penalty apt to 29.99 %! I spent over an hour with 3 different individuals at the credit card company. None of them was helpful and they passed me on to another number, which said they would not speak with me unless I gave me a copy of my credit report, I have had this card for 40 some years and ordinarily pay my bills in full. I suspect Im being penalized by them for a dispute for a partial balance with a mover. Thats the only change on the credit report I looked up since I bought a condo in XXXX when I had a score of XXXX. 
I was always happy with this card-they would even thank me for my long term membership every time I called. Now they rest me like XXXX. Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: EQUIFAX, INC.
State: AZ
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:
I have sent multiple request for an unverified account to be reported correctly or removed from my credit report. I have sent notice to Equifax and XXXX both reporting information inaccurately. I have verifiable proof that Equifax has lapsed the 30 day timeframe to investigate this issue and still reporting as accurate. I demand this be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: Experian Information Solutions Inc.
State: DC
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 now have over twenty five hard inquiries on my 3 major bureau credit report. I didn't apply for all of these lines of credit. I applied at three car dealerships. Only they have my applications and authorization signatures. I think that when I started applying, some form of identity theft began and others began to apply to. XXXX XXXX informed me that I may have been exposed to two different data breaches. I wrote XXXX, Experian and XXXX to get these inquires removed and they are refusing to help. Please assist.

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 2019-04-25
Company: SUNTRUST BANKS, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX DOB : XX/XX/XXXX XXXX XXXX DOB : XX/XX/XXXX SunTrust Mortgage Bank Loan number : XXXX Tracking number : XXXX Case Number : XXXX XXXX Homeowners Insurance Policy Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Wind Policy Number : XXXX XXXX XXXX XXXXXXXX or XXXX XXXX XXXX XXXX XXXX Claim Number : XXXX Issue : Scheduling a 50 % Inspection the lease on my rental house expires on XX/XX/XXXX. I was evacuated from hurricane Florence. My house had over {$350000.00} of damage and is currently not inhabitable. My immediate need is to have an inspection to collect insurance monies for work completed so my contractor will continue to rebuild my house. I have no place to live after XX/XX/XXXX so timing is critical. I discussed this issue several times with Suntrust with no understanding or effort on their part to correct this problem. I originally called for a 50 % inspection on XXXX/XXXX/XXXX. I followed up after 5 working days on XX/XX/XXXX. I called a third time on XX/XX/XXXX. I called a fourth time on XX/XX/XXXX and a fifth time on XX/XX/XXXX. I was told an inspector called me on Friday, but I have no records on my phone of any type of call. As of XX/XX/XXXX, no inspector has contacted me. This represents a time period of 18 days. SunTrust states that an inspector will contact me within 5 business days after I request an inspection. What is the issue? As of XX/XX/XXXX, no inspector has contacted me. 

Regards, 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 non-monetary relief
Consumer complaint received 2021-05-04
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The company, National Credit Adjusters, purchased a debt from XXXX XXXX after I was able to successfully dispute the account and had it removed because I am a victim of identity theft. The company changed the dollar amount the account number and added it back to my credit report, which are violations under the FCRA.I have contacted them on the following dates occasions XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and have not received a response to my debt validation letter requests, which I have a right to request Fair Credit Reporting Act, Section 609. This debt is not mine, I have not applied for and loans from XXXX XXXX, the original debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: National Credit Adjusters, LLC
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:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. It is over 30 days and I have not received any results.

Company response to consumer: Closed with explanation