BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-08
Company: ALLY FINANCIAL INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Ally Bank has not paid me a promised {$200.00} bonus for which I qualified, so I am asking CFPB for assistance. 

In XXXX XXXXXXXX, Ally Bank offered a bonus of {$200.00} using the promo code XXXX for opening and funding a new SPENDING ACCOUNT. 

As I previously had a savings account with Ally, I called its customer service to confirm if I would be eligible for this bonus offer. I had never before had a spending account with Ally. A customer service agent confirmed that I would indeed be eligible for the {$200.00} spending bonus and encouraged me to sign up for the offer, which I did on XX/XX/XXXX. 

I changed my direct deposit to Ally Bank and deposited more than the required {$1500.00} direct deposit ( {$1700.00} on XX/XX/XXXX ) well within 90 days from the time I opened the account, per the requirements of the bonus offer. The bonus of {$200.00} should have posted to my account within 30 days of that direct deposit, or by XX/XX/XXXX, but it never appeared. 

On XX/XX/XXXX, I called Ally Bank and spoke to a customer service agent named XXXX about this issue. It became clear from this conversation that either Ally customer service agents are not well trained about this offer or are intentionally evasive in order to get customers to give up what is owed to them. First, XXXX claimed my account was not in good standing, which disqualified me for the bonus. This was not true as my account was open with a balance and the account had never been overdrawn. Secondly, XXXX claimed I had to have kept the entire direct deposit in the account to earn the {$200.00} bonus. But the requirements ( see attached ) clearly do not state that, I countered. Thirdly, XXXX said I had previously had a savings account ( since closed ) with Ally, so I was not a new customer. I informed him that the requirements specifically state disqualification for the bonus only if an applicant had a SPENDING ACCOUNT previously, which I had not. He read the conditions of the bonus and agreed I should have received the {$200.00} bonus. He promised to manually escalate my request to a supervisor and that I should receive the {$200.00} within 1-2 business days. It has been three weeks since that conversation, but the {$200.00} bonus has not been credited to my account. 

This is clearly a case of bait and switch so that Ally Bank gains more clients and deposits without paying out the bonus they advertised. This is a particularly egregious offense as I am a XXXX XXXX Will you please help me with my complaint to Ally Bank so that my {$200.00} bonus is paid to my account? 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 monetary relief
Consumer complaint received 2023-01-19
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. The following companies have violated my rights by performing a hard inquiry on my credit report without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2023-01-11
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'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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
In accordance with the fair credit reporting act, This creditor ( Capital one ) has violated my rights. Under 15USC1681 Section 602 states I have the right to privacy, 15USC1681 Section 604A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions, Under 15USC1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be corrected or discarded. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is not accurate. 
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 non-monetary relief
Consumer complaint received 2021-03-20
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am currently paying my student loan and have been as a direct debit, but my payment is still going to principle AND INTEREST, where I understand the full amount of my payment should be paying down the PRINCIPLE only ... and this is not happening. 
I called twice and both parties said I will get a call back ... and no one ever did. All my payments we never late ... and since covid issue ... I continued to pay every month ... its not fair I'm being charged interest as many are NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
To whom it XXXX concern, In XXXX of 2021 I received news from Credit Karma that I had a new credit card in the name of XXXX XXXX XXXX XXXX from XXXX XXXX Bank USA. I knew at once I was a victim of identity theft because I do not have a XXXX in my name and I never applied for a Credit Card from XXXX XXXX Bank USA. I contact my local law enforcement and filed a police report with XXXX Police Department in that year as well summited a report to the XXXX XXXX XXXX. I then contact XXXX XXXXXXXX XXXX USA and informed them that this card was fraudulently open and I was a victim of identity theft. 

I was able to get all statements from XXXX XXXXXXXX XXXX USA and found out that the application was made online, the application statements were written in Spanish and many purchases were made at local XXXX in the XXXX area XXXX The credit card was sent to my old current address in XXXX where I used to live in the years of XXXX. The card was opened in the year of 2021 and I was not living in XXXX at that time the card was opened. I was never in physical possession of the card and never received any statements until I knew I was a victim. I went to the XXXX were XXXX of these purchased were made to try to get surveillance tapes. I was told by the manager to contact the police for them to try to get the records for me. The Police filed a report yet still never received any news if this matter was looked into. The XXXX XXXX informed me, We dont have the man power to look into this at this time. 

I have also contacted all Credit Bureau of this identify theft and my name is still showing up as XXXX XXXX XXXX XXXX. They have failed to do their jobs at protecting my identify of this matter when documents were sent to them on this matter. 

Last year I was served from XXXX XXXX XXXX XXXX in XXXX, WA sent me a letter telling me that they were taking me to court if I did not pay off the charge of the card. I went to court to submit my letter to the courts as well as sent my letter to them. I have still not heard from XXXX XXXX XXXX about if they are still taking me to court. 

So here I am waiting for someone to do their jobs

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: Self Financial Inc.
State: MA
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 see multiple 30-60 days late marks on my report, I thought I had paid them before. I was in the hospital because of the XXXX and probably that statement didn't get a chance to came with me. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
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:
Please see attached document detailing how this company is in violation of several of my consumer rights permissible purpose of consumer reports, THE LAW CLEARLY STATES any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( o ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
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 XXXX XXXX XXXX Account # XXXX, has violated my rights. 
I received A letter From XXXX XXXX XXXX  Account # XXXX. 
Has violated, my rights, I will be submitting the letter with violations codes. 
15 USC 1692 ( B ) ( 2 ) 15 USC1692 ( C ) ( A ) 15 USC 1692 ( D ) ( 2 ) 15 USC 1692 ( G ) ( A ) 15 USC 1692 ( G ) ( A ) 15 USC 1692 ( C ) ( A ) 15 USC 1692 ( D ) 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 2023-01-11
Company: Experian Information Solutions 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:
Sent dispute letters and never received any verification forms back, also the information on the report is not correct, there are different information on all three reports reporting the wrong information on all three reports

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 2023-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Good day : I have tried to fix this problem with Capital One with the help of Consumer Financial Protection Bureau Complaint per the following details : Account ending in XXXX Capital One CID : XXXX CFPB Complaint ID : XXXX Capital One responded : " The Spark Business Basic Checking account ending XXXX was originally closed at your request on XX/XX/XXXX '' - THAT IS A LIE! Capital One wrote : " The final closeout check number XXXX for {$970.00} was issued to your address on file. Our records indicate you received this check, and it was paid on XX/XX/XXXX. '' - I NEVER RECEIVED THE CHECK! The " attached paid check copy '' has an error in the signature! - THAT IS NOT MY SIGNATURE ON FILE SO WHY DID CAPITAL ONE PAY OUT THE MONEY? 
XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
State: MO
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 am submitting another CFPB Complaint to you today to request once more to thoroughly investigate my Credit File and correct the erroneous information you report on my Credit File. Under the Fair Credit reporting Act, you must investigate a consumer 's Credit File and correct the erroneous information. I checked my Credit File and I see no changes at all. You have not complied with the request and the federal law. You continued reporting the disputed accounts as if they are accurate and verified. I previously requested that you send me copies of your investigation but you have not! I, once again, would like to request that you correct the following accounts as soon as possible ; XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$710.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$79.00} XXXXXXXX XXXX XXXX Balance Owed : {$26.00} XXXX I demand you to comply with the Federal law and have the disputed accounts corrected as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Cancel card in XXXX .... I have my card ending in XXXX and it should have three deposits coming. I do not want any other card except for my XXXX with BLUEBIRD. I will not contact you anymore regarding bluebird unless directed otherwise... I apologize for any inconvenience or confusion. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
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:
This collection account has an OPEN status and that is a violation, because a collection is by default a closed account. Delete this account due to inaccurate reporting. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have 2 portfolio recovery accounts on my credit report. I have disputed these accounts. I have reached out the the company multiple times asking for the original purchase agreement and never received. Therefore this information is unverified & inaccurate and needs to be deleted from my report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: EQUIFAX, 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:
I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
State: NV
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/2022, I sent XXXX, XXXX and Experian a copy of my credit report that I obtained from them stating that they are reporting unaccurate information on my consumer report, however it keeps coming back VERIFIED, how is this possible when everyone is reporting this item completely different? FCRA states all items MUST be reported 100 % accurate. I provided evidential documents to show the inaccuracy of the account, however they still choose to ignor the documented FACTS that I received from them. XXXX, XXXX and Experian need to be held accoutable for their NEGLIGENT FCRA REPORTING. Every date of last activity is reporting years apart, balance ECT...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
I have lost my debit card and there were numerous charges unauthorized by me dating back from XXXX to late XXXX. All the charges were from the state of XXXX which I was not even in. 

I submitted a claim to my Bank ( Bank of America ) on XX/XX/XXXX for a claim amount of {$2800.00} consisting of all the charges from XXXX til XXXX and was told on XX/XX/XXXX that Bank of America would be unable to pay my claim as they state " The charge was authorized by you or made by someone who has permission to use the card or account '' which is untrue. I called them on XX/XX/XXXX to appeal the claim but was told by the bank that they can not open old claims which I believe to be false. 

I understand that some of the charges are too far back to chargeback but I fully expect the charges from XXXX and XXXX to be able to be charged back to my account considering how recent they are. I do not think a blanket rejection of my claim is a valid solution to my issue.

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 2021-01-19
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
IDENTITY THEFT A COLLECTION COMPANY SOUTHWEST CREDIT SYSTEM HAS FASLEY REPORTED A DEBT THAT DOES NOT BELONG TO ME COMPANY NAME XXXX XXXX XXXX I NEVER OPEN THE ACCOUNT THAT REPORTS TO ALL 3 CREDIT COMPANYS,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12
Company: Atlanticus Services Corporation
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
FORTIVA Credit Card. 
Ok I payed This card off a few years ago. I did something with the Bank and this was on the list of late payments. Apparently my account has built up late fees of {$14000.00} Not One call or Email or Regular Mail from them. I payed this off again a few weeks ago. 
What my complaint is I called and got the runaround a few times And the Fact that Nobody from that company even tried to reach out to me. People wonder what drives people over the edge. Well its XXXXXXXX XXXX This.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation