BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-30
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My name is XXXX XXXX I am writing in regards of disputing a denial in the account ending in XXXX. 
For claim number XXXX. The dispute was initially made on XX/XX/2022 due to an error made by a Bmo bank employee from a previous dispute claim number XXXX filed XX/XX/2022. I was told that debit card ending in XXXX would be immediately deactivated and could not further be used in dispute XXXX. Only after a transaction of {$370.00} with the same debit card ending in XXXX did not deactivate debit card ending in XXXX. I continued with the dispute and was told that I was not at fault because debit card ending in XXXX should have immediately been deactivated after dispute XXXX was filed. The transactions for debit card XXXX happened seven days after claim XXXX was filed. As shown in attached photo. With notes also attached stating such reason XXXX. Employee forgot to shut the card down .. Ive received a email stating that dispute XXXX was denied and that a provisional credit of {$370.00} would be deducted from my account as of XX/XX/2022. I am here to dispute the denial of claim XXXX reason being I no longer had possession of debit card ending in XXXX. I was also told by XXXX XXXX employee that debit card number ending in XXXX would be deactivated and could no longer be used. I can not be at fault for something I had no control over. Here are attached supporting documents regarding my claim ..as shown in both disputes attached card number ending in XXXX was used in both disputes .I would like to pursue further with a complaint against Bmo Harris Bank 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 2016-03-11
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
they have place a debt on my credit reports of XXXX and did not call me or speak to me. plus they did not send me any verification of this debt. contract or anything.

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 2022-03-28
Company: Genesis FS Card Services, Inc.
State: VA
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:
Milestone credit card/ MasterCard/ GenesisFS Card Services Inc XXXX Bank of XXXX XXXX XXXX XXXX, XXXX, OR XXXX is reporting wrong information to credit bureaus. They have reported that I havent paid in over 30 days in XX/XX/2022. Therefore they have dropped my credit score tremendously for this incorrect info they hav reported. Not only that, but they are reporting information a month and a half later. This was for XXXX reporting and it is about to be XX/XX/2022. This information is incorrect. I made a payment on XXXX XXXX, so how can I be over 30 days passed due? Somebody needs to look into this company. I also have pictures of statements from them. Showing my information... ..My score has dropped XXXX points on XX/XX/XXXX, XXXX of this. When my score was just increased by XXXX points on XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This Company has failed to validate these accounts its been o we 60 days

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 2016-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
The TransUnion company has a policy of updating there information every 30-90 days. To a user taking responsibility of finances is being forced in some situations into losing more finances. with the movement of data information at a moments notice, the stroke of a key, this company and any other company should only have 7 days to process that data. 
When I paid all my debts off every company evolved was able to slow mail me with a guarantee that I would receive the letter in 5-10 days. If these companies a lot the time and personnel to that, they should be forced into posting any updates in under 7 days and be forced to update there software to do this for them. 
They should be making themselves more accountable for timely accuracy instead of rules and by laws to protect themselves. Someone might say " well you should not have got your self into this situation ''. My only reply is that 's history because today I am getting my self out of the situation and TransUnion just cost me over {$400.00} in getting a loan that was assisting me in taking on my financial responsibility. Both Equifax and Experian excellently up dated the same information that day while on the phone with them or with in 2 or 3 days of my paying all my debt off. 
sincerely XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX   violated my 609 rights by reporting incorrect information to Equifax regarding my credit profile. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  reported to Equifax that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, names, and employers corrected on my report as this is a violation on my consumer protection rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My account with XXXX was settled eight years ago, but it is still showing up as a negative on my credit reporting with TransUnion.

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 2016-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Transunion has over XXXX unauthorize inquiries and Negatives on my credit report. 
My VA Mortgage of {$1700.00} is not reporting correctly as my VA Mortgage was modified on XXXX XXXX. Also I am requesting that Bankruptcy XXXX Discharge by Federal Judge is not displayed on my credit report and files or Public. 
I am on XXXX and Retired and under the Department of Justice of XXXX XXXX Congress XXXX I respectfully should be accomendated. 
I am a XXXX XXXX XXXX Military Veteran.

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 2020-03-21
Company: Shellpoint Partners, LLC
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Our original Loan service ( XXXX ) was aquired by NewRez back in XX/XX/2020. 
We were contacted by NewRez loan Retention and Offered a spectacular Refinance option that required no out of pocket costs or appraisals. During the initial Refinance the communication was excellent. Once we submitted all documentation by XX/XX/2020 we received an email letter of congratulations that our loan had been approved with the new locked in rate of 3.7 % we were instructed that we would most likely move to closing before the end of XXXX. After this approval email, In XXXX received several phone calls asking for the required documents ( which were already sent in XXXX ) They had me send them to the same email several times, each time I questioned the whereabouts of my documents and there was no explanation. Afterwards I had had ZERO success reaching NewRez via email or telephone. My NewRez Loan processor refuses to return my calls or emails since XX/XX/2020. I filed a complaint with NewRez on their website and receive a certified letter in the mail that offered no help whatsoever, with Phone numbers that lead to irrelevant service departments. Now with the current world situation we are very concerned about the status of this refinance and have received Zero assistance, They claim my file is sealed, say that my loan processor is available and when transferring they hang up on me. I have all my attempts of email communication documented and can provide when necessary. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
The CRA furnished this account on my report after I let them know this account isnt mine. They send me statement back saying verified. According to the law an account can only be verified by the consumer and personal interviews. So in the extent who are the names that were interviewed to say thus account was verified. This is aggravated identity theft. I did not give any one written consent to furnish this account on my reports. This is causing damage to my reputation.

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 2020-03-21
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My mortgage payments for XXXX, XXXX, XXXX, XXXX, XXXX were mishandled by Mr. Cooper. I made additional payments to ensure that my account was never delinquent. Also my hefty escrow payments were to temporarily be allocated to cover any money that was owed as our family dealt with a financial hardship. I am asking that the information showing my account as 30 days late in XXXX, XXXX, XXXX of 2019 be removed. Furthermore I am asking that the information showing my account as 60 days late in XXXX of 2019 be removed. I communicated extensively with my mortgage provider and was guaranteed that my credit would not me negatively impacted as I continued making my mortgage payments on an alternate schedule during my families financial hardship. I ask that these 4 black marks reflecting late payments in 2019 be removed from my XXXX  credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 was incarcerated for fifteen years and got out and seen someone had lived under my name while I was gone, I reported fraud and identity theft at that time then went to a lawyer because no one would fix the problem, and the lawyer I called advised me to file bankruptcy and that would get these fraudulent items off my credit report but the lawyer was giving me false information just to get me to pay him XXXX XXXX dollars and lied to me because none of the fraud accounts have been removed off my credit report, Ive been fighting this for years and no one seems to care about the facts that I was in federal custody till 2018 and all the accounts were open many years before that year.

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 2016-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Credit Bureaus need to be held accountable for their neglect and I want violation penalties accessed and awarded to avoid additional litigation and hardship that will be placed on the courts and myself. These are the only adverse items on my credit report and it has caused me extensive damage and financial hardship. Despite Federal / State law and numerous request for the credit bureaus to delete and disregard the negative items and balance owed on all accounts reported by XXXX XXXX XXXX previously XXXX XXXX XXXX they have refused to comply. Litigation Case XXXX. The Judge ruled against bank for possible Mortgage Fraud, all payments and funds are held in XXXX County Superior Court.

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 2015-10-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Over the past few months, Chase Bank has been in the practice of charging me insufficient funds fee over charges to my debit card and selected ACH transactions. At most times, the fees charged are over the amount disbursed by Chase Bank. I requested for a way out of the incessant charges and I was advised to choose the option that the bank would not honor any charge to my account if there are no sufficient funds to cover the transaction. This option was chosen between XXXX and XXXX 2015. ( Ca n't remember the specifics ) On the XXXX XXXX 2015, I saw XXXX charges of {$34.00} each for XXXX transactions of {$10.00} and {$6.00} each. I called the bank to have them reverse the charges on the basis that:1. I have chosen the option they offered to me not have any charge honored if there is no sufficient funds to cover it. 
2. As at the time I made those transactions, my account was in credit. 
I contacted the bank and they declined to reverse the charges, instead they went ahead to add another {$15.00} charge as extended overdraft fee. 
.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-05
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

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 2020-12-06
Company: WILSON & ASSOCIATES, PLLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wilson and associates sold my property on XX/XX/XXXX and again on XX/XX/XXXX and now they fixings to sell it again if they were not the trustees on XX/XX/XXXX how can't they be the trustees on XX/XX/XXXX I haven't sign Any thing

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: GREAT WESTERN BANCORP, INC.
State: IA
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 have a health savings card through my employer. I had ordered some vitamins online, two products, and have the receipts for {$4.00} each. My health savings card was charged 4 times, 2 at {$69.00} and 2 at {$79.00}. I went to the bank that my employer uses for our XXXX account, filed a dispute, and they denied it. They did not ask any questions, just went by what the people who charged my card without authorization from me told them. I do not see how this should be allowed and not be taken care of by the people who I put my trust into, our bank. Our bank is Great Western Bank, and I talked with their acting manager, XXXX, at XXXX. I am furious over this. {$300.00} stolen from me and they will do nothing

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 2022-03-28
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: EQUIFAX, INC.
State: MI
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 XXXX, I tried to open a My Social Security account. In order to verify my identity, the form asked questions based on Equifax 's credit file for me. The questions related to loans, leases, accounts, addresses, former names, etc. that did not pertain to me. 

I called Equifax 's help center & was presented with a similar set of questions that Social Security presented me. I could not answer the questions, as these were not my accounts, loans, etc. The person refused to speak to me because I could not answer the questions. 

For the next 6 days, I tried both Equifax & Social Security again. Each time had similar error questions. 

On XXXX, I called Equifax again. The problem remained. I asked for a supervisor and the call was terminated by Equifax. I called back & was told to send certain information to Equifax so that i could repair the problem. I faxed the information immediately. 

On XXXX I received a mailed credit report from Equifax. The error information from XXXX, etc. was not on the report. I called Equifax back. Again I was presented with several questions to verify my identity. The questions still related to someone else, so the agent would not speak to me. I asked for a supervisor & the call was again terminated by Equifax. 

On XXXX I tried calling Equifax again. The same incidents occurred. No agent would speak with me. I asked for a supervisor and the call was terminated by Equifax. 

For several days, I called Equifax again. The problem with the questions remained the same and again, a sking for a supervisor resulted in being disconnected. 

On XXXX, I wrote to the CEO of Equifax ( by US Mail ). 
As of this date ( XXXX ) I have received no reply and the call-in questions remain the same. 

It appears that Equifax has my file mixed with someone else 's file, at least for the part that is used to verify ones identity. 
Therefore : A ) I am prevented from answering identity verification questions for any entity that uses Equifax for such verification. The Social Security Administration is one example. Equifax themselves is another. 
B ) I am prevented from ever speaking with anyone from Equifax to correct any erros which may exist on my credit file. 
C ) I am prevented from enrolling in Equifax 's on line system to monitor, lock or dispute my account. 

I apologize for taking your time, but I am out of options to get this computer error repaired. 
Thank You for helping. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: FORD MOTOR CREDIT CO.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My payment is due on the XXXX and I made my payment over the weekend as scheduled. Then I got an alert on my credit report that my payment was late. I was not 30 days late because I made my payment before the XXXX, I just think because of the weekend, that it did n't post on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XXXX XXXX. ) I applied for the Barclays emirates sky rewards world elite Mastercard & the XXXX XXXX XXXX XXXX on XX/XX/2022. 

I was denied credit solely based off of what Barclays responsive statement which is : EXCESSIVE CREDIT APPLICATIONS. 

To say anything is excessive is completely subjective and opinion based only and is NOT a reason to deny my extension of credit. My credit is excellent and I have not had any applications for credit in the past two years. My income annually is over $ XXXX It appears that Barclays is discriminating.

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 2017-05-25
Company: EQUIFAX, INC.
State: TN
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:
Equifax and  XXXX  are showing an outstanding balance on my credit report that I do not owe for   XXXX     XXXX   XXXX . I have reached out to   XXXX   XXXX    XXXX  regarding this account and they indicated that the account was paid off  XXXX / XXXX / 2014 .     I contacted   XXXX    XXXX   XXXX  in my financial counselors ' office and she too heard them confirm my account status.

Company response to consumer: Closed with explanation