BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-17
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank advertises transactions will take 1 to 2 business days to clear. 
In my experience this is accurate when making deposits into the account. The day following the transfer request I can see the money in BMO Alto account. 

I requested a withdrawal out of the BMO account to a linked external account Tuesday XX/XX/XXXX at around XXXX. As of the date of this complaint it is XXXX Friday XX/XX/XXXX so going on to four days since transaction was initiated and the Bank has still not approved the transfer. I needed the money for today XX/XX/XXXX so I now need to use a credit card to make this payment which will cause me to incur additional fees. 

BMO alto does not allow you to speak to any supervisor. I've called approximately 8 times over the last 3-4 days and each time I was advised that a supervisor was not available and there is no mechanism in place to reach a supervisor. I was provided with the Bank 's fraud dept phone number as I had been advised that my withdrawal was flagged for fraud review. Unfortunately the number provided is an unmonitored number. I would call and wait for about 8 minutes and then get a message that mailbox is full and it would disconnect.

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 2023-11-13
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
I tried to send the funds to my nephew in XXXX XXXX, via Paypal on XX/XX/XXXX ( transaction ID XXXX ). I had no problems sending money via paypal in XXXX years and using my bank account. This time, the PayPal system required that I log on to my bank account and that failed three times when PayPal would redirect me to log in. However, I could log onto my bank account using a different browser. I called PayPal and they said there was nothing I could do and it was my bank 's problem. I called my bank and was told that this was a PayPal problem. This had never happened before in over XXXX years. PayPal had never directed me to log into my account from their site. I ended up adding my debit card that is tied to the same bank account that is on record for my PayPal account. The transaction went through. However, I was now required to pay {$11.00} in fees to send {$200.00} to a XXXX account. If the money had been just deducted from my bank account as usual without using the debt card, the same transaction would have cost {$4.00}. I complained to PayPal and they have done nothing and refused to refund the difference. I feel like they redirect customers to log into their bank account so that when that fails, customers are forced to use debit cards for them to generate higher fees. For over XXXX years with PayPal, there was never direction to log onto bank accounts from the PayPal site and the fees were reasonable. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Old information reappears or never goes away

Complaint:
Loan was dismissed and they are still reporting on my credit beaural

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 2023-01-05
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: Their investigation did not fix an error on your report

Complaint:
I have loan with XXXX XXXX XXXX I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please fix the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. XXXX XXXX Date Opened XXXX XX/XX/15 Balance : {$270000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
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:
I have submitted multiple disputes and FTC report regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. 
These companies have refused to work on disputes even though they are required by law to do so. 

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2018-08-14
Company: CITIBANK, N.A.
State: CA
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 called Citibank phone number XXXX on XX/XX/XXXX at XXXX to be connected to a representative to report suspected fraud because a balance of approximately {$26.00} had been showing on my account despite recent payments I made totaling {$300.00}. I asked to remove any fees or interest that may have been charged to the account. Additionally, I had never been in possession of a Citi ThankYou Preferred MasterCard credit in my name card not have I ever seen such a card. Citibank. I was  assured the problem would be resolved and understood the account would be closed. I had not made any charges because I had never possessed a Citi MasterCard branded ThankYou Preferred physically or had the numbers of the card to use online. Additionally, I had never requested to open such a card product which I presume has a MasterCard logo. Going to Citibank website today to check on my accounts, I am alerted of a {$120.00} balance which it says I need to pay. I am still suspecting fraud because I have never used the card to rack up such a balance.

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 2023-01-04
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XX/XX/2022, I applied for the XXXX XXXX XXXX XXXX  from American Express website with the welcome bonus ( XXXX points ) they offer, during this process everything goes well and they do not give me any words/notifications that I am not eligible for this offer. But after I spent more than XXXX dollars for the spending requirement and pay in full price for the annual fee ( XXXX dollars ), I still did not receive any welcome bonus in XX/XX/2022, so in XXXX I politely contact American Express and they inform me that I can not receive the welcome bonus because I have another card from XXXX, but in reality I do not have any related credit cards from XXXX, this reason is not acceptable. I feel cheated and canceled the card and want to ask back for the annual fee but they refused to reimbursed my money back. I can not accept it because they can not give me an acceptable reason to decline my welcome bonus as well as to refuse giving me back my paid annual fee. If they do not want to offer me this welcome bonus, they should inform/warn me at the beginning when I applied for this credit card, instead of letting me know until I finished all the spending requirement and pay the annual fee. The credit card number for the card I am applying for is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/2018 I submitted a loan application to XXXX XXXX in XXXX, to buy a used vehicle. My credit score is XXXX on XXXX  and my XXXX score is around XXXX. I have very little debt, and my home is paid off. Based on my score I should have been offered no higher than 5 percent interest but the dealership said I was being offered 12 percent which they later emailed me and said it was just over 9. The company Ally Financial has been fined multiple times for discriminatory lending and I believe they have not altered their practices. I am a XXXX woman, XXXX XXXX vet and graduate student I do not think it's fair to have to overpay for things as basic as a car loan.

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 2023-09-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Sir/Madam, While checking my most recent credit report, I noticed Fraudulent credit inquiries that I do not recognize and did not authorize anyone to pull my credit report. The inquiries made by the below listed companies : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please validate info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 
Send payment immediately via Certified Funds to : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX Attached are copies of my state ID. Warm 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 explanation
Consumer complaint received 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2022-02-10
Company: EQUIFAX, INC.
State: IL
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:
hXXXX XXXXhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion report XXXX This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
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: Old information reappears or never goes away

Complaint:
Loan was dismissed and they are still reporting on my credit beaural

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 2022-12-23
Company: Experian Information Solutions Inc.
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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2022-02-10
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I opened a business checking account on XX/XX/XXXX, with the understanding that {$500.00} deposit will avoid any/all service fees. It has come to my attention on XX/XX/XXXX, at the XXXX branch office while I was depositing a check that {$200.00} was deducted from my account for service fees. I requested/asked the teller ( XXXX ) that I want the {$200.00}, posted/returned into my account was told by her that I needed to go back to branch where I opened my account and request the refund there. I told her that made no sense especially if my account was opened outside the XXXX metro area. Notwithstanding, I called to find out that XXXX XXXX, XXXX Branch Manager, XXXX XXXX @ XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX, no longer worked there, so I asked to speak to the branch manager, was told XXXX XXXX was unavailable that she would call me back [ not ] I called back same day again ( XXXX ) this time she got on the phone. I explained after repeating myself several times for ( XXXX XXXX seconds ) at XXXX EST. She replied that she would get back to with a partial refund I told that would be unacceptable either refund total amount or I would file Complaints and close my account. I find out on ( XX/XX/XXXX ) instead it was {$150.00}, not {$200.00} in service fees while I withdrawing funds of the deposited check on ( XX/XX/XXXX ). She called me back Monday ( XX/XX/XXXX ) at XXXX EST ( XXXX XXXX seconds ) with no full refund. So this is how you extort money from accounts this is what the Authorities need to be aware of!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-23
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 AM A VICTIM OF IDENTITY THEFT BY A GUY I WAS DATING. I SHOULD'VE KNOWN HE WAS NO GOOD WHEN HE SO EASY TO STOP TALKING TO ME AFTER I LET HIM STAY WITH ME FOR A MONTH. I HARDLY CHECK MY CREDIT BUT I TOOK A LOOK AT MY CREDIT REPORT AND NOTICED THERE IS SOME FRAUDULENT INFORMATION ON MY FILE THAT NEEDS TO BE REMOVED/BLOCKED WITHIN THE NEXT 4 DAYS. 


FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX FRAUDULENT ADDRESSES : XXXX XXXX XXXXXXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX FRAUDULENT NAMES : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: WYNDHAM CAPITAL MORTGAGE, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I have four credit inquiries on my credit report which I did not authorize. Upon trying to get it removed by the credit bureau they informed me that the only way to get it removed is by filing a consumer report.

Company response to consumer: Untimely response