BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-14
Company: ALLY FINANCIAL INC.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Scam - On XX/XX/2021, around XXXX, I received text messages from Ally Bank that said as follows : TEXT - " ALLY BANK FRAUDULENT TEXT MSG ALERT : Did you attempt a transaction of {$350.00} @ XXXX XXXX # XXXX case id # XXXX. Reply YES/NO/ Don't want fraud text message alerts? Reply STOP. '' TEXT - " ALLY BANK FRAUDULENT TEXT MSG ALERT : Did you attempt a XXXX transaction of {$5000.00} Reply YES/NO/ Don't want fraud text message alerts? Reply STOP. '' These texts did not seem unusual to me as in the week prior I had been receiving legitimate messages from Ally reporting incidents of others trying to use my funds to make purchases, and so on XX/XX/XXXX I had had my debit card shut off and a new one was being sent in the mail. I assumed these messages were related. The next text told me a Fraud Department representative would be in contact.

I was then called by someone claiming to work for the Ally Bank Fraud Department. This person told me that someone had attempted to withdraw {$5000.00} from my account using XXXX and that, in order to get it back, I would need to retransfer the funds from XXXX back into my own name. This person seemed legitimate as they had access to all of my bank account information, though I'm not sure where they got it from. Following their instructions, I used a secondary email address and I submitted two XXXX transfers for {$2000.00} each into my own name, and I was asked to confirm the confirmation codes sent to my phone, however these transfers did not go to me, but ended up going to someone with a XXXX XXXX account by the name of XXXX XXXX. 

I have been messaging with representatives from Ally Bank since XXXX on XX/XX/2021. I am not able to call Ally and report the fraud until XXXX, which I will be doing. So far the customer representatives have done everything they can to help me, though I am filing this complaint as a way to insure everything is returned back to me in a timely manner.

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 2023-01-06
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: Investigation took more than 30 days

Complaint:
This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek grand jury on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties.

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 2021-01-09
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Approximately 60 days ago I contacted Citibank after I made my payment of {$100.00} and later saw they added a annual fee of {$99.00} which put me over my limit. I asked if they could wave the fee because, due to COVID19 I was having financial difficulties. They told me they couldn't do that but if I called back in 30 days they could work with me and they reversed my payment of {$100.00}. After 30 days I called them again, as they told me to, and was told they couldn't help me until I was 60 days late and to call back then. I did as told and now they are advising me to make a payment I can't make to get in good standing or they will cancel my card. They also reported my account to the credit bureaus. I am beyond upset as I have followed their instructions thinking I would be able to arrange an affordable resolution without ruining my credit. 



I followed their instructions. I believed they would work with me. They lied.

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 2019-06-19
Company: Comerica
State: AL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX, I informed the Social Security Administration, that I am ready to collect my retirement money. On XXXX of XXXX a representative called me to confirm how I want to receive the retirement fund from the SSS, I have decided to receive my money thru a visa debit card by Comerica Bank, as I thought I would have easy access rather than my out of state bank. I understand I would start to receive my funds on XXXX one month later of my start retirement. 

The first transaction I used with my issued debit card was on XX/XX/XXXX from a merchant named XXXX XXXX XXXX which amounted into {$81.00} after making the first transaction I thought it was a scammer store so I have to call the card center and told them to stop payment on the card. The customer service told me to cut my card and stop using it, which I did but the payment went thru, and I did received the merchandise as well. from that experience, I learned that I have to pay {$13.00} to have my card sent thru XXXX. and also pay {$3.00} to replace the card. I also understand that I have to pay a fee if I will use ATM machine that are not network member. 

I am going to continue relating the transaction of the issued debit card by Comerica bank. On XXXX XXXX I did an ATM withdrawal from an ATM having a VISA logo to determine it was network member but I was charged {$2.00} on that transaction. on XX/XX/XXXX I made a purchase from XXXX XXXX XXXX market. of 1 {$110.00} On this day XX/XX/XXXX I have decided to take all my money out from this institution, so I made a withdrawal of {$3000.00} at XXXX and was charged {$4.00} total for the three withdrawals. On XX/XX/XXXX, I made an online purchase of items from XXXX XXXX of {$160.00} and another on line purchase from XXXX XXXX of {$100.00} this was the last transaction I have made from my Debit card. On XX/XX/XXXX there was a note from the debit provider of Debit Adjustment of {$270.00} I called and asked about it, but their answer was they are going to look at it and to stop using my card, at the same time they will send me a questionaire of fraud form to fill up so they can investigate what happened, in addition they told me I will recieve it in a few days. 
I never recieved anything from them but at least three times another new card issued to me. which means {$3.00} per new card. 

I called the Direct Express Fraud services department to relate to them about my demise, they have sent me some paperwork to fill up and signed and send back to them on XXXX XXXX. Until now I have not heard anything from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have written it all our and sent in a good format to the cc company Capital One. But, what happened is, I charged a reservation to the card on approx. XX/XX/19 for a XX/XX/19 reservation date. When I saw the charge on my stmt I didn't recognize it and there was no phone # to call the " XXXX '' charge. I called and asked C1 if they could tell me, they said no, you have to file a dispute and they will send the info in a few days. When I go it on approx. XX/XX/19, I freaked ... '' it was my charge '' and I wanted it. On XX/XX/19 I called C1 and they said they would " submit '' this to the fraud dept to correct. I called and emailed XXXX with the Res # that I wanted to keep the reservation, they said ok once you re-pay and I had C1 re-pay. Then on XX/XX/19 XXXX sent me an email and asked for a " letter from the cc company that I had withdrawn the dispute ''. I again called C1 who said they never have done that and don't have the abilities to do that but all should be fine as it was re-paid. I spoke with XXXX to inform them of this and they said ok. It was re-paid on XX/XX/19. Then 2 weeks later on XX/XX/19 I received a cancellation of the reservation by XXXX, who now had my money and as of this date the reservation date has not even come up, so it is not that I did not show up. Which is the only way they can state that I loose my money right? I was very stressed and alarmed and called C1 and told them all, they said they would remove the charge from my account but they had to send me a letter to request my documents in order to complete the credit. I took them two more phone calls from me and another 25 days to receive their letter with the instructions. On XX/XX/19 I faxed them 19 pages as I have all this proof and believing C1 would then re-cancel the payment. In the meantime I had to make another separate reservation costing me again but believing I would get a final credit. C1 called me today XX/XX/19 and said it is " AGAINST THEIR POLICY TO ENABLE A DISPUTE TWICE ... or was visa/master cards policy ... ( she wasn't sure just said that was their position ) ''. That, ( if even true is ridiculous ) any such policy was never told to me nor do I see any such " policy '' in any written terms. And for either of them to charge me for a " FUTURE '' RESERVATION DATE THAT THEY JUST TOOK MY MONEY THEN CANCELLED MUST BE ILLEGAL '' Or at least correctable at this point. I HOPE AND PRAY THIS CAN BE CORRECTED AS AN INVALID USEROUS AS WELL AS VERY UNHELPFUL ASSISTANCE BY BOTH COMPANIES AND THAT I CAN RECEIVE MY COST BACK.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Disputed with the company several occasions ever since I saw this on my credit reports back in 2014. This account is not associated with me. This on my credit report is making it impossible for me to do what i need to credit wise because its negatively reporting.This is not my account! I have reached out to the bureaus regarding this and nothing has been done.

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account and for some reason it was always going over and having fee 's that I didn't do and my account was always overdue and I would have to pay the over draft fee 's and I was missing money from my account and my card was always frozen so it was very stressful my bills were not getting paid due to the over draft fee 's and my frozen account I got behind on bills and lost a lot of my life

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 2023-02-16
Company: Experian Information Solutions Inc.
State: CA
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 concerned because my credit report has discrepancies that are continually being reported and damaging my credit score. I have highlighted all these discrepancies. I am being denied credit due to this false information. I have asked Experian to remove this information but they are ignoring me or sending me correspondence not addressing this matter.

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 2019-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have written to both Transunion, XXXX, and XXXX  XXXX pointing out that four student loans ( see excerpts attached ) are reporting inaccurately. Fed Loans is currently reporting negative late payments on the Payment Status line on my credit report. These four accounts are marked as closed and showing a XXXX balance. How can the Payment Status line show anything other than Current or Unknown? Historical late payments are shown in the 24 month payment history and should never be shown on the Payment Status Line. 

Such reporting is 100 % inaccurate and is hurting my credit score which is extremely harmful to a current home loan approval pending. 

Please correct this reporting error as soon as possible.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells Fargo closed my business account wrongfully and they didnt provide a reason and after a month Wells Fargo just sent {$12.00} fees for excess withdrawals.When I called customer service they said there is nothing they can do.

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 2021-02-05
Company: CONTRACT CALLERS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX, I moved from XXXX  to XXXX XXXX. I had my XXXX Account on auto-pay for the past four years. I forgot to cancel the account, and reached out to XXXX in XXXX or XX/XX/XXXX to cancel the account. I paid those four extra months and did not even request a refund, understanding that I should have called sooner. 

Once the account was cancelled, it was closed out and my auto-pay was removed. I had asked the agent for written confirmation that the account was closed, but he said he was un able to provide that. There apparently was one more bill erroneously sent to my old address in XXXX, which was then sent to collections. I never received the collections notice because it was not sent to my new address in New York. 

On XX/XX/XXXX, I noticed a delinquent status on my credit report. I could not access it online because the account was closed and I had no record of the number. I called XXXX immediately. The first THREE people I spoke to could not help me. My account was not in their " region. '' They also could not even find my account number because it was closed out. 

Finally, I spoke to XXXX XXXX Employee # XXXX XXXX. He credited the account in full {$160.00} and told me it would take 24 hours to reflect to give notice of hat happened. I was told that the account was inactive and there was " no reason to charge when account was cancelled and de-activated. '' I was also told that it was a " non-collections credit '' and he was unable to send a note or email to me since it was applied manually. It seemed to be a systems limitation. So he gave me his employee number. 

I called Contract Callers twice to resolve this. The account was removed from two of my credit bureau reports, but not XXXX. Then it showed up on an XXXX  report again. Contract Callers told me they were waiting for XXXX to verify this information. It has now been over a month and I have not been able to get this resolved. It is still on my credit report, and I am in the process of signing a commercial lease for my business, so i really need this resolved since this was done completely erroneously.

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 2019-02-15
Company: Bread Financial Holdings, Inc.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XX/XX/19 XXXX  at XXXX XXXX contacted a distant ex relative and discussed my account including who the debt was with ( XXXX  ) and told her it was a collection account. He tried to get information about me. XXXX   and XXXX XXXX have been notified by XXXX XXXX XXXX  via mail that they are working with my creditors and to contact them. They have ignored this information and given out personal account information to a unauthorized third party. He gave a phone number to contact of # XXXX ext XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-04
Company: Law Office of Brett M. Borland, P.C.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX, I signed a lease for XXXX XXXX in XXXX, SC. Within the first week and over the course of my 4 month stay, the leaser/XXXX  violated the lease numerous times and put me in a temporary unit without running water and all the window locks were broken and able to be opened from the outside. There was trash in the unit upon walking in the first time as well as no electric and broken/exposed outlets. This temporary move was activated by an immediate and emergency lock out due to a random assigned roommate reported with a gun in the unit. I never was allowed to get my stuff until the report was resolved which took 3 months to finally get access to before I abandoned my lease. I gave the office a letter outlining why I was legally allowed to abandon my lease due to the violations of the leaser. I was given no response until XXXX. Then I began receiving letters from collections for this incident and so I contacted XXXX XXXX to ask why they fraudulently filed a collections report and they said although I have time and date stamped photos and proper documentation of the violating actions of the company, that they will not stop collections because the old manager who has since been fired, falsely documented that my issues were fixed although my documentation proves otherwise. I am a recent college graduate and can not afford to line their pockets with paying fraudulently filed collections claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX  ; XXXX  and Transunion should not be reporting a collection/chargeoff in the amount of {$21000.00} on the XXXX XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account has a {$0.00} balance and {$0.00} past due. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX : XXXX, XXXX, TransUnion My name is XXXX XXXX I have provided you with the following items I have listed below that your company is reporting inaccurately. I look to place all accounts as fraudulent accounts. I am a victim of identity theft, and I have been affected by the credit breach where my identity was leaked. I am unaware of the accounts that you continue to report. Please take this documentation I have provided as an internal dispute and an affidavit. I am allowing XXXX hours for your investigation for the errors to be correct and the inaccurate items removed permanently. If this becomes a problem for any reasons after XXXX hours I will file a law suit against your company for placing inaccurate obsolete information on my credit. I demand a copy of an original contract with under the new FACTA act. I will sue for willful non-compliance under section FCRA 616. 

Accounts : 1. XXXX Inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Witness : XXXX XXXX Witness : XXXX XXXX Thank You 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 2023-02-16
Company: MOHELA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I contacted Mohela Loan Servicer multiple times regarding my PSLF application. I have worked over 20 years for the same employer which is an eligible PSLF employer. My application was processed and I only received one payment applied to my tracker count. This count is inaccurate. When calling I get different responses from different representatives at Mohela. I just want a fair and accurate count which I believe I am eligible for forgiveness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief