BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-11
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have been a BMO Harris Bank customer since XX/XX/2020, a full year, and I have been using the smart money account ever since. Simple account, no overdrafts, no worrying about checks or hidden fees. However, after trying to open a savings account I have been denied several times and I don't know why. I don't know if its discrimination or because they don't like they way I look, it is completely ridiculous how I've been loyal to this bank for a year only to be rejected by trying to utilized their other products. What's the point. I looked at my chexsystems report, nothing bad was reported I assume, I called and tried figuring it out but the banks don't have to say what it is which leaves me clueless. I've reported XXXX XXXX XXXX  XXXX XXXX for the same reason. all I want is to not be treated like a criminal while there are real life criminals committing crimes and not being held accountable. Is this how we treat our working class customers?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: Experian Information Solutions Inc.
State: IL
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:
XX/XX/2018, I sent correspondence to the bureaus regarding fraudulent accounts that are on my credit report. The fraudulent account is still listed on my credit report. Pursuant to Section 605B of the FCRA i would like to have this fraudulent item blocked.

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 2021-03-28
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I was recently alerted to a change in my credit score, When I checked it out there was a new collections on my account from XXXX sometime, After I researched it I contacted the said original creditor and they admitted the credit card was mailed to an address thats not mine and was used and never paid, As I explained it was 100 % not my account they said its not there problem any longer and I needed to contact the new collection agency which is Midland Credit, So as I contacted Midland credit the representative was very rude and ignorant stating there is nothing I can do but pay in full {$690.00} or settle for {$510.00} but as I explained its not my account they were only interested in getting paid, I have disputed this account with all 3 credit bureaus only to have It come back as accurate, This makes absolutely no sense to me due to this not being my account, Now this account shows as closed with a derogatory Mark on my credit report in which significantly lowered my scores, I dont have any where else to turn for help because it seems Im getting stuck with someone elses debt, Can you please help me? 

Original Creditor : XXXX XXXX XXXX Original Amount of credit : {$300.00} Card mailed to XXXX XXXX XXXX XXXX Pa XXXX Opened XX/XX/2019. 

New creditor : Midland credit XXXX. Fax #. XXXX XXXX. Account XXXX. 
My info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-13
Company: Patenaude & Felix A Professional Corporation
State: CA
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:
My wife and I received a Debt Collection Notice from the Law office of Patenaude & Felix on XX/XX/2018. I responded to this notice within 30 days ( Confirmed via Certified mail Receipts and I Confirmed by an associate who works there ) requesting Verification of the debt. Since they received my dispute verification on XX/XX/2018 they have yet to verify this debt however they have continued to attempt to contact myself and the my wife. ( We have recorded calls where the agent Identify 's  themselves along with the name of the law office they are calling from and the purpose of the call ) It is my understanding that they must cease ALL Debt Collection activities until they have provided proof that I actually owe this debt however they have not done that. I feel this company is not operating within the boundaries set forth by Consumer Financial Protection Bureau and would like this matter to be investigated. We will provide any documents needs to help support our claim including the original notice, a copy of the dispute letter, certified mail receipt confirming they law office received my dispute via Mail within 30 days of the original Notice, and voice recordings of the agent calling us as recently as today XX/XX/18.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: Experian Information Solutions Inc.
State: FL
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: Other problem getting your report or credit score

Complaint:
I asked experian why my experian the only credit report that is going down instead of going up. I am unable to get a straight answer or anyone to help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I had opened the account ( checking and savings ) with First Citizens bank on XX/XX/2020 with promotion of XXXX $ mentioned on their website. I completed all the requirements for the bonus but still the bonus has not posted. The bonus was supposed to be posted within 120 days of fulfilling the requirement. I have completed the requirements on XX/XX/2020.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-04
Company: Experian Information Solutions Inc.
State: IL
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 written letters through Federal Trade Commission due to identity theft, advises verbally that these accounts are result of ID theft and requested it be blocked and stop reporting. I have submitted disputes and provided my Drivers License and FTC REPORT # XXXX. This company continues to report these multiple accounts with the knowledge it is a violation of the federal law.

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 2018-10-01
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: Their investigation did not fix an error on your report

Complaint:
I just received a letter from Equifax and the bankruptcy is still on my credit report they are telling me to contact the court. It's been 2 years and I was informed by the lawyer who filled in my behalf that after 2 years this should no longer be on my credit report. I want it removed. the letter is stating they can keep the bankruptcy on my credit report for 10 years?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
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:
In XX/XX/XXXX, I was contacted by XXXX XXXX XXXX regarding a debt they purchased from XXXX XXXX. I agreed to their terms, and began payments to them directly. My car is on its last leg, so I reached out to Portfolio Recovery to see if I could satisfy the dept early and upon doing so, have it removed from my credit. The associate assured me that yes, upon full payment, it would be removed. On XX/XX/XXXX I received a letter that my payoff was received. I recently applied for a car loan, and my application was denied. I use XXXX to monitor my credit, and discovered the collection account is still on my credit report, just as paid and closed. I reached out to XXXX and they suggested I contact Portfolio Recovery directly to request it being removed. I was advised that Portfolio Recovery does have the ability to remove a closed and paid account, however they are not in practice to do so, therefore, it will show on my report until XX/XX/XXXX. I understand they are under no obligation to remove this, I just wish they would have been honest from the beginning. Now, they are paid and this has ruined my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Around XX/XX/2021 Square Inc, closed my account due to a chargeback. My cash tag is XXXX XXXX. I had no affiliation with this chargeback and do not understand where that came from. However, with my account being closed I still had a remaining balanced left on my account. It totals to {$180.00}. I have tried to connect multiple debit cards and bank accounts and it keeps denying them. I have contacted them on multiple occasions only to be told to continue to try different methods. Nothing is working and I am still unable to gather my remaining funds left in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
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 XXXX XXXXXXXX XXXX Account # 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 - in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 - in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account 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 - in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 - in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 - in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-09
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Original Creditor, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, Company Inquiries : 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

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 2020-10-27
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Navy federal charge me 2 return ck fees.. the bank transfer {$20.00} to pay my credit card payment with out me authorizing the transfer. My account was short do to this payment. I have money in another account tht could have covered the payment. the bank does not allow for the customer to cover the payment before applying fees. Other banks give a customer 24 hours to put the money in your account to cover a check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
USAA Bank Fraud XXXX XXXX account Impersonating representatives accessing account stating account closed. 

Check mailed for remainder of account. 

No verification of account closed. Letter from USSA state changes not closure to account. 

Also current screenshot current status of truck claim fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: CONTRACT CALLERS INC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Paid collection in full. Was told by rep when I paid in full. The account would be taken off of my credit report. Still reporting to all 3 credit bureaus. Please remove and listen to recorded call.

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 2021-04-27
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: Account status incorrect

Complaint:
I already reached out to TRANSUNION and to XXXX XXXXXX/XX/XXXXand notify them of their error posting of information on my report. I was never late on this account. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " accurate '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: Experian Information Solutions Inc.
State: VA
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:
On XX/XX/XXXX I tried to get approved for a VA Loan to purchase a house in XXXX XXXX Colorado and was notified that a {$7000.00} loan from XXXX was put out using my information by a former friend XXXX XXXX XXXX. I have no reason to apply for this loan and when the loan was issued I was in XXXX XXXX on Military XXXX. I did not apply for this loan and need it off my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX has reported a collection item on my credit report that is not a valid debt to them. In fact, XXXX assured me my account was corrected in XX/XX/XXXX via phone, and I was surprised to see a collection item on the credit report through XXXX XXXX. 

The context for the issue is that in XX/XX/XXXX, I contacted XXXX advising I would be moving from XXXX, GA to XXXX, GA in a new neighborhood, and I wanted to find out if they could transfer my service. I was told the review would take approx 7 business days and then I would have answer. The rep told me my ticket number was XXXX. I was told if XXXX was not able to move my service, they would cancel my account and not charge any early term fees. 

I moved into my home on XX/XX/XXXX and checked on the status. XXXX had lost the request, then they said it would take longer than a week. It ended up taking until XX/XX/XXXX before I got a response. In the meantime, while XXXX was trying to figure out whether they could move my service, they were charging me monthly for a cable service I could not even use. When I finally got the answer in late XXXX, I was told to turn in my equipment so that they could close my account. I made payments which should have brought my account to XXXX and was still charged even more money. 

I spoke to a representative in XXXX who assured me the account would be credited and my bureau would be updated. The representative also told me there were notes on their system of record confirming everything I was relaying to her. As of XX/XX/XXXX, it appears as though they may have credited my account, but my credit bureau still reflects a collection item which is impacting my score. 

I want XXXX to make sure my account is closed with a XXXX  balance, and to make sure the credit bureau collection item is removed promptly.

Company response to consumer: Closed with non-monetary relief
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: 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 am having problems with Equifax. When I call, they are super illusive about my information and they keep me on hold for over an hour and when they see that I am patient, they hang up. They refuse to answer questions or update information. I have been hung up on while on hold 4 times in one day, that can't be by accident. My information has been compromised more than three times by Equifax. I am one of the people who was awarded free credit report and score due to the 2017 breach. 

They have messed and compromised my info more than 3 times, letting it be accessed on the dark web and for fraudulant reasons and they won't help what they have caused. I am tired and frustrated with them. 

I can not access my info on any other platform ( XXXX XXXX, XXXX, and XXXX ), aside from theirs and often times I have problem logging in. 

I have an error on my file, a misreporting I have been trying to get removed, which was removed from all other creditor files. 

XXXX XXXXXXXX XXXX. 

I have been asking to verify original debtor or proof that it belongs to me, ehich they can not provide because it does not. 

I simply wanted to get help and get someone from the fraud team to talk about it and dispute it. However, when I finally get someone after holding 30 -45minutes, they put me on hold for transfers and I always get mysteriously hung up on. 

I need help from CFPB to get this matter resolved and get my mishandled information in order with Equifax. Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
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 got my credit ran today XX/XX/2020 because I applied to XXXX XXXX Apartments and I did not qualify to rent an apartment because my report came back with a lot of accounts in negative standing. Before today I didn't even know that these accounts were on my credit because none of them are mine ; I did not open any of the accounts I listed on this report and I have never allowed anyone to open any credit card, loan or anything else in my name. I don't know who is responsible for all of these accounts but I have already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I never made any payment towards any of these accounts. As for the companies that the accounts are coming from, I do not have any written/verbal contract with any of those companies nor am I affiliated to them in anyway.

Company response to consumer: Closed with explanation