BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-12
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2020 my husband and I flew on XXXX XXXX XXXX  XXXX from XXXX XXXX XXXX NY to XXXX Florida. 
In flight, we were offered an application for the XXXX XXXX. We were handed the application and a pen to complete it. We were told that it was a card with no annual fee and there is a special inflight only offer of XXXX bonus points to sign up. I believe this may have also been printed on the application also. The flight attendant strongly advised people to sign up as this was the best offer XXXX XXXX has even had. The next highest offer she said was XXXX points for a version that had a fee attached. In addition, the attendant said since there is no fee and and since XXXX pools points she recommended that husband and wives each fill out their own application so that they each would get the XXXX points. To obtain the bonus points all you needed to do was to meet a minimum spend about in the first few months. 
My husband and I to date have received only XXXX bonus points in our XXXX accounts. On XX/XX/XXXX I reached out to XXXX and they claim they have no such offer of XXXX points. I asked for a copy of our applications and they said they could not provide them. On XX/XX/XXXX I reached out to XXXX 's who manages the card and spoke with a supervisor, who also said they had no such offer and was 'sorry for the miscommunication ' and said the highest offer they had was the XXXX points for the card with a fee attached. I also asked for a copy of our applications and she said that the application department and has them and she could not get them for me. 
This was fraudulent and heavily pushed advertising on the plane while in flight and I am requesting that the XXXX points be deposited to my husband 's account and my account. I am submitting two separate complaints, one under my credit card number and one under his. Thank you.

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 2023-05-04
Company: ALLY FINANCIAL INC.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Dear Sir/Madam, I am writing to file a complaint against Ally Bank for their failure to resolve a recurring issue with my rent payment, which has been flagged for fraud and declined multiple times. Despite my attempts to communicate with the bank and their promise to investigate and respond within 24 hours, I have not received any response, and my rent payment continues to be declined. 

The details of my issue with Ally Bank are as follows : My recurring rent payment has been flagged for fraud and declined several times, causing inconvenience and jeopardizing my relationship with my landlord. 

I have contacted Ally Bank 's customer service multiple times, providing all necessary information and seeking resolution. However, the issue remains unresolved, and the bank has not been forthcoming with updates or solutions. 

Ally Bank promised to investigate the issue and respond within 24 hours. However, they have failed to do so, and my rent payment has been declined again. 

This situation has caused me significant stress, inconvenience, and potential financial loss. As a customer, I expect Ally Bank to provide efficient and reliable banking services, as well as clear and prompt communication. 

I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take appropriate action against Ally Bank to ensure that my rent payment issue is resolved without further delay. I also request that the CFPB hold Ally Bank accountable for their lack of communication and failure to address this matter in a timely and efficient manner. 

Thank you for your attention to this matter, and I trust that the CFPB will take the necessary steps to help me resolve this issue with Ally Bank. 

Sincerely, 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 2022-03-10
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Today XX/XX/2022 I received a email from Citibank. I called Citi and spoke with a representative. The Representative stated that there was not a block on my account. However a new debit card needed to be ordered in order to access my online account. My phone is currently disconnected so I couldnt not receive the verification code. Representative then transferred me to a supervisor to verify my identity. I answered every question and the supervisor said that I had failed the verification. She instructed me to hang up and call back to do the process over again, I did. Once again a representative transferred to a different supervisor. This time the supervisor tells me that a block has been placed on my account again and I have to wait 60 days. I ask what was the purpose of placing another block on my account, The supervisor said fraud. I have {$4300.00} in my account and I have verified my identity since XXXX XXXX. I keep getting the runaround about my money. Im not giving the opportunity to pay any debts because of being refused access to my account. How can they its because of fraud when theyre denying me the opportunity to pay any thing. CitiBank is the one who is being fraudulent. Im fed up with the XXXX and I am ready to seek legal action against CitiBank

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 monetary relief
Consumer complaint received 2023-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX and the Department of Education are making it impossible for me lead & grow my corporation as the founder and CEO, of a SBA 8 ( a ) registered company. The company was just denied a business line of credit and credit card by Bank of America stating the reasons as delinquent student loans and limited credit profile. I paid the student loans to a {$0.00} balance and did not wait for the government to give me a free hand out forgiveness loan. I worked 365 days straight with no days off to save up to pay off the entire loan balance. Almost 5 years later, the Department of Education is tarnishing my personal character by listing erroneous information that doesnt accurately reflect my character. The Department of Education is listing my accounts as delinquent when I paid them to a {$0.00} balance. This is a clear case of discrimination in lending and a clear violation of my rights under the FCRA. How dare the Bank of America representative criticize my ability to repay one credit card with a $ XXXX balance. Yes, I have repaid my one, open installment account to a XXXX balance every month since XX/XX/2023. At the age of XXXX and still leading an active/in good standing corporation for the last seven years in business, Id say we are an ideal business to receive funding from a traditional lender. But at this point its clear to me that the real reason for being denied a business line of credit for an established corporation with no derogatory reporting and an owner with good credit is only because of my race as a 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 2023-03-06
Company: Experian Information Solutions Inc.
State: IL
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 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 explanation
Consumer complaint received 2023-05-30
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went to the Dr on XX/XX/, my copay was {$100.00} with XXXX XXXX  as per my XXXX  XXXX policy XXXX plan # XXXX which i paid at the time of service. a couple of months later XXXX XXXX sent me a bill stating that some weird insurance company paid some money but not all of it. I write to XXXX XXXX twice without a response advising them that it appeared they billed the wrong insurance company and that my copay was supposed to be {$100.00}. I never heard back from XXXX XXXX on either of my letters. today i received a demand for payment from a collections agency I.C. Systems XXXX XXXX XXXX. XXXX XXXX MN XXXX demanding payment of {$79.00} which i do not owe as i paid my co- [ ay at the time of my visit as per my 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 2023-05-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
Portfolio Recovery Associates. 

I my ex wife open up a credit card ( XXXX XXXX ) around XXXX and because of the divorce she decided not to pay and the debt and it was left with me. Over the years and currently the debt has been reporting negative to credit bureaus on my credit file and XXXX also been threatening to sue me in a state that the debt was not established. When the debt became closer to being off my credit file because its been 7 years since opened, XXXX changed the date open from XXXX to XXXX. They also sent falsified monthly statements to me when ask to verify the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My bank and I have tried numerous times since XXXX 2017 to remove a duplicate item on my credit report. My bank has attempted corresponding with Experian to get this resolved, but them item remains on my report. My bank has provided letters that I have attached to my dispute, and each time, the dispute comes back as validated, and does not report the inaccurate item. I have attached the letters and email from my bank.

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 2023-03-06
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:
Hello, I had a credit alert last summer of 2022 that my score had dropped immensely. I logged into Experian account to see if anything was ontoward. I saw that there is a credit card with XXXX in my name in the amount of approximately {$67000.00} that was unpaid. The address attached to this card is an apartment address in XXXX, XXXX. I live in XXXX XXXX. Prior to that I lived in XXXX XXXX. I have never had another address in Florida or the XXXX. I have never had a credit card with this company either. The card is also opened in a business name with my name. It is similar to me but not the name of my company. I have spoken directly to XXXX XXXX XXXX to dispute this and also with Experian Credit reporting where I keep an eye on things. I had experian remove this address from my file. I have received a letter from XXXX saying that after months of investigation they have determined that I am responsible for this account and that they determined the address via public records. Also, basing their information on the fact that there were no returned statements and that previously the card had been paid by money order before I am assuming the person stopped paying. WHat doesnt make sense is that I explained to them I have never had an address in XXXX and if that is what is attached to this account, why would that person who opened the account return the statements? It seems also obvious that if that person wanted to make larger or more purchases, wouldn't they would pay something so they could continue to use it? In any case, please can you help me to remove this address from the public records and or advise me how to prove to XXXX that this is in fact not me. I have no other blemishes on my credit report. Thank you.

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 2020-06-12
Company: EQUIFAX, INC.
State: TN
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 have been trying to dispute an incorrect negative account on my credit report for over a year. I tried to dispute this online after retrieving the report in XX/XX/XXXX, only to go through the entire verification of my identity process and then be told that the dispute had to be filed by mail due to " system issues ''. I then tried disputing by mail on XX/XX/XXXX with no response. This issue resurfaced when i was going through a refinance in XX/XX/XXXX. This time i received a message to use " my equifax '' to file my dispute. I again went through the entire verification process on XX/XX/XXXX and was told i needed to call in. I called in and the offices were closed. I called back on XX/XX/XXXX and went through the verification process to be advised that i could file a dispute online. The system then terminated the call. Today ( XX/XX/XXXX ), i called to dispute and was routed through the verification process, once again entering all of my personal information only to be told the offices were closed and to call back during normal business hours. This information has been resolved with the other bureaus. Equifax who exposed my and many other consumers data insists on using a system which requires you to provide PII to their systems with no intentions of providing support.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a debt which was collected by Portfolio, settled thru XXXX XXXX XXXX, Never sent the paperwork with finalization after saying will do. I was sent a notice of dismissal. Their statements back in 2019 werent in order Anyway happy it was settled! This was due to helping my ex spouse in XXXX XXXX XXXX but due to economy in XXXX we suffered. loss of business, jobs in XXXX. Again unemployed. 

My complaint is this.co. Is daily harassing still. It seems robo calling by others with its name sometimes. I have listed all these # s on Do not. call website. Also when working the employers send these calls. Today I had a Call from XXXX XXXXXXXX from portfolio asking to call PRA group. No content! Constant harassment. 

In with employers and other connections and with XXXX.Also my phone is hacked. Calls on debts with stature of limitations, and seems operating with employers or connection who and gaining commissions perhaps! Operates with XXXX which never corrected report for a year and I am just about to check to see whether they have now done. ( with wrong spelling of names silly mistakes! It took them a year and still not sure it is done. In between suffered with high interest rates which we will have to make a separate claim as this is how they operate with car dealers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-12
Company: CL Holdings LLC
State: AL
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:
I called Jefferson Capital to settle a debt of XXXX and have it removed from my credit ..they gave me a settlement amount for XXXX and they said I can pay that and they will have all three bureaus remove it once paid ... I paid this amount on XX/XX/2020..confirmation # XXXX ... the account updated on my credit and now shows a balance of one thousand and some dollars ... .I paid the settlement amount in full and when I call the customer service number it says o have XXXX balance please help and remove this account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: EQUIFAX, INC.
State: AR
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. My identity has been compromised. My name and social security have been used for quite some now. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my report as soon as possible. XXXX {$240.00} XXXX {$3200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
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:
See fraudulent inquiries on my credit report for companies XXXX ( XX/XX/2023 ), XXXX XXXX  ( XX/XX/2023 ), and XXXX XXXX XXXX via XXXX XXXXXXXX XXXX XXXX XXXX ( XX/XX/2023 ).

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 2020-06-12
Company: Ditech Financial LLC
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:
We filed a CFPB Complaint # XXXX against Ditech Financial for Account XXXX in regards to the reporting of inaccurate information concerning : a ) an outstanding balance and b ) account reporting as charge off account. A payment was made to the original creditor Greentree before merging with Ditech Financial. Some how that last payment has vanished and now Ditech is stating that they transferred the account to XXXX XXXX XXXX, XXXX. The problem with that is my credit report only shows Ditech as the company that has reported or reporting on this account. Ditech Financial seems to have made no effort to investigate before responding to the CFPB Complaint which is discouraging. The payment was made while the Greentree/Ditech merger so its on Ditech to fix this issue that is harming my credit scores with inaccurate account information.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: DC
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. 

Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-07-24
Company: Experian Information Solutions 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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