BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Experian XXXX XXXX XXXXXXXX XXXX, TX. XXXX I have noticed that my consumer report contains information that is a result of identity theft. I did not provide any written permission or instructions for the transactions to report on my consumer report. Therefore, pursuant to 15 USC 1681c-2 ( a ), I am requesting that the reporting of this information be blocked and deleted. This request to block is not being made in error and is not based on any material misrepresentation of fact by me that is relevant to this request. The identified transactions are not information related to any transaction by me as the consumer : Account Name- XXXX, Account # - XXXX, Reported Balance- {$590.00}, Reported Date Opened- XX/XX/2022

Company response to consumer: In progress
Consumer complaint received 2023-11-30
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/23 I made a payment from my XXXX XXXX  account to my BMO credit card. I received a confirmation from XXXX  that is reflected on my checking account statement with a payment ID of XXXX and a XXXX  of XXXX and BMO insists they didn't receive the payment. I could NOT resolve this with them after numerous attempts. 

BMO says there's no record of it and so I called XXXX who has confirmed it was paid and confirmed it was deducted from my account. BMO has sent this to collections given me a late payment fee and this has hurt my credit score. 

BMO just sent me a letter that said I have a past due amount of {$270.00} instead of a payment of {$300.00} and I was forced to pay {$570.00} or have more late fees. 

Since just before the merger/takeover of Bank of the West with BMO I have had almost continuous problems with getting late mailings/not getting credit for my payments. I can prove each payment has been made each month on time. They will not accept any proof that I have offered and they keep promising when I make a payment that this time it will surely go through correctly.

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 2021-01-16
Company: EQUIFAX, INC.
State: PA
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:
I submitted a dispute to XXXX, Equifax, and XXXX well over 30 days ago. I still have not received an update or had the unauthorized accounts removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-12-03
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
my names XXXX XXXX XXXX. i noticed in XX/XX/XXXX that my paypal account was limited they asked me to submit a bank statement which they confirmed they accepted as well as a photo id of a drivers license, they said it the id i sent and the name on the paypal account didnt match which i found weird i thought maybe i had sent in the wrong id since i also have my daughter 's ID on my phone. a day after paypal permanently limited my paypal account due to inconsistency with user agreement, i had a balance of XXXX on my account which thy have been not allowing me to withdraw since the end of XXXX. i have contacted paypal on the phone they and got different answers from different people i spoke to so i was unsure what was going on they referred me to to a new method of submitting the proof of ID, this time i made sure i sent the right one however they still denied my appeal ( XX/XX/XXXX ) and refused to remove the limitation i have contacted them almost everyday and none of them still have been able to help me, they want to hold my money for 180 days before the funds are released to me and there is even a chance the money will be kept by the them, i find this to be very unfair practices and would like this matter resolved. paypal reference : XXXX paypal email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This is a debt from a medical provider. I have XXXX and a XXXX supplement by XXXX XXXX XXXX. The provider, XXXX XXXX XXXX XXXX, Could have obtained the insurance information from the hospital as the rest of the providers do. Secondly, I never requested their services and was never informed of them. Also, I have made several attempts, by phone and on-line, to provide the insurance information to the provider and was met with incompetence and rude response. Their response was " pay it or we will turn it over to a collection agency. '' Additionally, I have informed CMRE Financial Services in writing that it is an erroneous charge and to stop contacting me. They still call. The amount is {$160.00} for services they supposedly provided on XX/XX/22.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: LEXISNEXIS
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/XXXX, I submitted a letter to the United States Bankruptcy XXXX XXXX XXXX XXXX  requesting proof that they furnish bankruptcy information about consumers to CRA 's and on XX/XX/XXXX, I received a letter back from the court stating, " It is not in the policy to report to any credit reporting agency ( CRA ). Back in XXXX I begin submitting complaints to Lexis Nexis about an alleged bankruptcy that was reporting to my consumer report. By the end of XXXX, I was assured by customer service representatives that work for Lexis Nexis that this alleged bankruptcy XXXX was no longer being furnished to my consumer reports or in my consumer file. In XXXX of XXXX I submitted a complaint to the attorney General of XXXX  informing them of the " fraudulent '' and " alleged '' bankruptcy XXXX that was being furnished to my consumer file. On XX/XX/XXXX I received a notice from the Attorney General 's office of XXXX  that this complaint was sent to you and that your corporation had XXXX  days to respond to me. Throughout the year of XXXX, I consistently called and requested copies of my consumer file that showed that this alleged bankruptcy was not being furnished to my consumer file. 
However, my most recent consumer reports and consumer file show that XXXX XXXX is in fact furnishing this fraudulent information to my consumer reports and consumer files without permissible purpose which is a violation of my consumer rights! 
The alleged bankruptcy XXXX that is being furnished to my consumer reports and consumer file, is not only inaccurate but according to the FCRA XXXX unlawful and violates my right to privacy according to 15 USC 1681 a ( 4 ). According to 15 USC 1681 a ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect for consumers right to privacy which XXXX nor this third party has done! 
Not only is this account being furnished to my consumer reports illegally but this account does not follow XXXX reporting guidelines/standards when reporting any information that is furnished to a consumers consumer report. 
Please see the attached letter that was sent to the third party listed in addition to my consumer report which shows the violation according to the FCRA and XXXX compliance standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: EQUIFAX, INC.
State: PA
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 submitted a letter to the 3 Credit Bureaus on XXXX XXXX, 2022, to update this suspicious information. 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. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX XXXX Balance : {$48000.00} DP OF XXXX XXXX Balance : {$28000.00} DP OF XXXX XXXX Balance : {$48000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: EQUIFAX, INC.
State: AR
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:
I would like to state that Equifax, XXXX, and XXXX is in direct violation of 15 U.S Code 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I, the consumer, never gave Equifax, XXXX, or XXXX written consent to report anything on my consumer credit report or to create a report on my behalf. No consent is identity theft. Pursuant of 15 U.S Code 16819 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting. By allowing Equifax, XXXX, and XXXX to furnish these inaccuracies on my consumer credit report XXXX cause me to lose confidence in the banking system. If Equifax, XXXX, and XXXX wants to continue doing business with me, they should delete these inaccuracies off my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2022-09-26
Company: EQUIFAX, INC.
State: LA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I was debited for XXXX $ from my chime checking account into an unauthorized XXXX credit card account at XXXX XXXX. Transaction number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
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: Credit inquiries on your report that you don't recognize

Complaint:
Sharing credit information with companies/ and or 3rd parties creditors

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 2023-11-08
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting 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:
A Parent Plus Loan application and credit inquiry were submitted without my permission. The two colleges my children attend and the Dept of Education deny utilizing my social security number and submitting an application for a loan without my permission. I have contacted Federal Student Aid and the Dept of Education Inspector General on multiple occasions since that occurred and was told that they are unaware of who is responsible for this federal crime. The agency that appears on my credit report on XX/XX/23 is the Dept of Education and I received a letter that my loan application was denied. This has adversely affected me because I had approved loan applications on file with both colleges and someone submitted another application that was denied which caused the previous application to be rejected. I am now being asked to pay for over {$30000.00} in educational expenses. I did not submit the application on XX/XX/23 and each agency that I contact informs me they aren't aware of who did. The Dept of Education will not take responsibility for the loan application or credit inquiry that appears on my file, although their name is reflected on my credit file. I have a police report with my local county asking for assistance with holding whatever entity responsible for unlawfully using my social security number, submitting an application in my name, and accessing my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/23 I woke up to see that I had a cash app charge for XXXX XXXX  deducted from my bank account. I contacted cash app yesterday and talked to someone on their chat and all the person told me was to basically contact my bank. They were no help to me what so ever. I turned off my card and reported my card for fraud to my bank. Around XXXXXXXX XXXX XXXXXX/XX/23 I had XXXX declined transactions from cash app from somone trying to get XXXXXXXX XXXX from my account because I had turned off my card, both transactions were declined thank goodness. The scammer made a cash app with my name and information so, that it would look more legit. I do not have a very popular name so, when you search my name on cash only XXXX people with my name pop up. One of the accounts with my name was created only two days ago so, its easy to figure out who the scam account is. I reached back out to cash app XXXX XXXXt and I was not very happy to say the least because I reported the account that I believe was stealing my information and cash app still did nothing to shut the account down. Cash app gave me a vague answer that someone would contact me by email ( I still haven't received an email from them ). My bank was able to credit the XXXX XXXX  back to my account and do the right thing unlike cash app. This app needs to seriously be shut down for fraud. Its absolutely digusting that a scammer can easily make an account in someones name with just their debit card information. Cash app does nothing to verify identity like asking for an ID and a selfie. Cash app has several complaints on the XXXX website as well going back several years. Cash app has known that its app isn't secure and that it allows scammers to basically run the app. I'm grateful they only got XXXX XXXX out of me but it breaks my XXXX to think that someone XXXX  on a fixed income has lost several XXXX  due to this app and now they can't pay their rent. Something needs to seriously be done about this app. It should be illegal for this app to still exist since they allow fradulent activity to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance Owed : {$1800.00} ; XXXX Balance Owed : {$11000.00} ; XXXX  XXXX Balance Owed : {$9600.00} ; XXXX  XXXX Balance XXXX : {$16000.00} ; XXXX XXXX  XXXX Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Owed : {$0.00}.

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 2022-12-06
Company: AXOS FINANCIAL, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I recently opened an Axos Bank Rewards checking account on XX/XX/2022 using promo code XXXX which is a {$300.00} bonus after meeting specific terms with new account holders. Terms have been provided at the bottom of this form. 

On XX/XX/2022 a {$7100.00} deposit was placed into my Axos Rewards checking account originating from XXXX XXXX, and the transaction coded as investment income. This deposit transaction met the terms of having a deposit within a single month from a third-party, being within the first 3 months, and being greater than {$7000.00} which makes the deposit sufficient to meet the bonus threshold according to the terms. 

I reached out to Axos bank to check on the status of the bonus on XXXX different occasions. The first was via online messaging system and was told that my account did not currently have a promotion code attached to it, even though their system auto populated it during the application process. I then proceeded to call into customer service, and was told that I met the requirements according to the reps immediate supervisor and I believe she did see the promo on the account, but no further action was taken besides having me wait longer. 

Because of conflicting answers from the Bank, and knowing others who have applied in my same time frame received their bonuses already, I would like some help in mediating the situation to ensure that Axos Bank stands up to their obligation. 



" To receive up to a {$300.00} Bonus : An Axos Bank XXXX XXXX application that includes the promotional code XXXX must be submitted between XX/XX/2022 at XXXX PST and XXXX PST on XX/XX/2022 to qualify. You must open your new Rewards Checking account and have qualifying direct deposit ( XXXX ) see table below. XXXX XXXX XXXX XXXX amount in XXXX Evaluation Period You must have these deposit amounts within a single calendar month during the first XXXX ( XXXX ) calendar months your account is open, including the month in which your account was opened. Direct deposit funds must be new to bank from a third-party source ( not originated from another Axos Bank XXXX account ) to receive bonus credit. All eligible awards will be delivered to your Rewards Checking account within 30 days following the XXXX waiting period. Account must remain open for 180 days or an early closure fee of {$150.00} may apply. A member may only qualify for one bonus tier and will not be eligible for future bonus payments if inflows subsequently increase beyond the 30-day Evaluation Period. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: World Acceptance Corporation
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have tried to get the company to stop reporting incorrect information. They arent responding to my correspondence. There is inaccurate information reporting on my credit report by this company every month. There has not been any activity with this account since XXXX yet they are still reporting inaccurate information. They are also having debt collectors harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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

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

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

Company response to consumer: Closed with non-monetary relief