BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-10
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I called this company in the past following the purchase of the vehicle to request that the payment date be moved or that the 3rd payment be moved to the end of my contract as advised by my dealership upon purchasing the vehicle. Subsequently I changed employment after a counseling firm of whom I worked for as a contractor was sued by their stockholders and we were not informed. I called the company again to make the same request as they did not honor the previous request stating that I was 'too new of a customer. ' Now the request was being made due to the change in my finances. Although I had begun making two split payments I have not been late that would result in a change of {$160.00} and an additional charge of {$580.00} that Ally denies is on their ledger -- this charge is different from the actual payment of {$560.00} which you will see all three together on the ledge -- I will attach the ledger below if I can. So I CALLED the company again after they refused TWICE to provide me written documentation of the dates and reasons for the Late Fee assessment and the Past Due Amount of {$580.00} that is showing up on their ledger that the representative insisted was not there. When I called the representatives STILL WOULD NOT TELL ME WHY and could not justify an additional charge of {$580.00} that showed on the ledger as PAST DUE. The representative told me " You must be misreading it or you must misunderstood because I do not see what you are seeing. '' I will also attach the snapshot of this document if I can below. As I had previously WROTE to them I do not enjoy speaking directly with representatives of Ally due to the 'mockery ' and 'talking down to their customers ' that they do not seem to realize is present. When asked for the address of the Corporate location to request 'Dispute Resolution ' I was told, " We only have a Default XXXX XXXX and no physical location, but you can have the fax number. '' The documents are attached below of the : 1 ) Charge Ally denies is on their ledger 2 ) My proof that it is 3 ) My proof of the payment and 4 ) My question of why and trying to explain why talking to them is and has always been a very unpleasant experience. There was absolutely no justification or anything that I experienced that justified that I make a FORCED PHONE CALL to the company.

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 2023-12-20
Company: CITIBANK, N.A.
State: NV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I initiated the opening of a credit card account with XXXX XXXX XXXX, but the information I provided was inaccurate. I'm encountering difficulty accessing and closing the account because, during identity verification attempts, they send the verification mail to my previous address. All communication with the bank/company is online, I lack a means to physically verify my information. The account is connected to my financial history/reports with XXXX, XXXX, and XXXX. I want to prevent any fraudulent activities on an account I have no access to.

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 2020-09-15
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I'm a loyal customer with Citibank for more than 7 years. The Citibank checking account was actually the first bank account I opened when I arrived in the US. A few years later, I started a saving account with them. 

On last Saturday ( XX/XX/2020 ), while I was trying to check my balance and logged into my account page via desktop. However, I could only see the balance but was not able to view the transactions. The webpage said " We've encountered an issue and are having a problem processing your request. '' This happened before because of the Citibank.com tech issues. Therefore, I did not really paid attention to that. However, when I checked the account from my mobile app, I found that both of my checking and saving accounts were close. Without any notice, my accounts were closed! I was totally shocked. It was pretty late already so I used the online chatting tool to get help. I was told that the online customer service does not have the authorization to view my case and I wad lead to a phone number. I called the number they gave me ( XXXX ) the next day ( XX/XX/2020 ). After a long time waiting to reached to a customer representative. The person told me that the Citibank had made the final decision of closing both of my accounts and I would not be able to receive any payments. When I asked for the reason he started repeating the scripts. I asked him if I could get my money back and when. He told me I would receive a letter in 30-60 days explaining the next steps after they reviewed my accounts. 

For seven years with them, except 3 times overdrawn, I never did anything risky ( the overdrawn have not happened for a long time and I paid them clearly soon after it happened ). This decision came from no where and was not reasonable. Having no access to my fund for 30-60 days will put my life in a very difficult situation, especially during this covid-19 pandemic time. When I pointed out the recklessness behind their decision, the customer service person told me he needed to hang up and that was it. I realized the phone call would not go further either, so I started to unlink all my service with this bank account. But it was still too late. I updated my direct deposit setting with my employer on XXXX, but I still missed the payment which should have came in on today ( XX/XX/2020 ). 

I double checked my emails and mails, but never found any notice from Citibank asking me for any information to keep my accounts or warning me for the risk of getting my accounts closed. With no access to my checking and saving balance and missing my new paycheck, my life could not go on right now. I think what they did to me was 100 % unfair and unreasonable.

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 2021-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Dear Sir, Madam, I have an XXXX  account to monitor my credit scoring and other reports. I see that my credit card data is not showing anymore within my online account since XX/XX/2021. Before everything was fine and we have been working since long time to keep for more than 5 years excellent FICO score in between XXXX. I decided to call XXXX  and they said that I should myself talk to my bank, the XXXX XXXX, about the transmission issue. I tried also to enter in my accounts at Transunion and XXXX  but there I'm now even refused any types of information on my myself and my credit histories. I then contacted on XX/XX/2021 XXXX XXXX to have them investigate on the case and I explained XXXX XXXX what I was told by the XXXX  operator. Today after more than 30 calendar days I'm still without any result or even an explanation from both the bank and the credit bureau XXXX XXXX XXXX and XXXX  ). 

XXXX on XXXX XXXX Account Statement, the monthly downloaded pdf e-document, I do not see my FICO score anymore as the section keeps blank now. 

I need my FICO score urgently back and up-to-date again as we are the process of asking an XXXX XXXX loan for our partnership. This is vital matter for the company. 

Thanks for your assistance in this issue. 
CP. 
XXXX  : I've been a paid XXXX  client during 3 years.

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 2023-12-14
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This issue occurred with the company known as Chime but also goes as XXXX. This company is so crooked and stole {$860.00} from me while Im going through a hardship. On XX/XX/2023 at XXXX I went to XXXX  XXXX XXXX outside atm and attempted to disperse {$860.00} with my Chime Debit Card. The atm caused a error and did not disperse the money. I then got out my vehicle and went inside of the bank and explained it to a representative what happened. She told me that I would have to follow up with Chime. I contacted Chime by phone call, and they informed me that I would have to wait until the transaction goes through and stop pending and then give them a call back to dispute the transaction. On Sunday, XX/XX/2023 the transaction shown it had processed so I called and disputed the issue. Tuesday XX/XX/2023 at XXXX I received a email denial letter. The denial letter that I received does not adhere to guidelines set forth under regulation E. Wednesday XXXX XXXX at this point I felt as though my hands were tied and I went to my local police station to explain the situation just to get some kind of help. He referred me to the that same XXXX  XXXX XXXX and was very helpful. And I spoke with a very helpful manager of the bank named XXXX XXXX, she called Chime with me and went under full investigation. She ran a report and stated that the atm I went to is balanced on Thursday and it hasnt been balanced yet so its no way the dispute should have been denied. She stated the company also denied it within XXXX business day which is also not enough time to complete a atm investigation. We spoke with managers at Chime, no one was willing to help or even apply a temporary credit to my account. They stated it would take XXXX  days to complete the rebuttal firmly and no temporary credit will be provided. We then began to look over my denial letter, and noticed the many ways it does not here to Regulation E guildlines. 1. There is no terminal location/transaction location listed. 2. Type of transaction ( atm, pos, retail ) is not listed. 3. Name of Financial Institution that initiated the charge is also not listed on denial letter. ( a copy of the denial letter is included in report )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-14
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
NOTICED ERRORS ON CONSUMER REPORT AND MADE CROWN ASSET MANAGEMNT ( A 3RD PARTY DEBT COLLECTOR, ) AWARE AND THEY CONTINUE TO REPORT AND NOT REMOVE THESE ERRORS AND CONTINUE TO VIOLATE FDCPA, FCRA, CFPB AND PUBLIC LAWS, RULES AND REGUALTIONS AS IT PERTAINS TO DEBT, DEBT DISCHARGE AND CREDIT REPORTING 1. CROWN ASSET MANGEMENT, WAS SENT A NOTICE OF VIOLATIONS, AND NOTICE TO CURE FAULT, AND NOTICE TO REMOVE ALLEGED DEBT REPORTING TO CREDIT BUREAUS AND OTHER AGENCIES 2. CURRENTLY, IT IS BEING REPORTED TO THE CREDIT BUREAUS A DEBT OWED IN THE AMOUNT OF {$1800.00} THAT WAS CHARGED OFF BY THE ORGINAL ALLEGED CREDITOR XXXX XXXXXXXX AND DEEMED UNCOLLECTABLE 3. LASTLY, THIS ALLEGED DEBT IS ENTITLED TO DISCHARGE DUE TO PUBLIC LAW 73-10 OF HJR

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX ) XXXX Date Opened : XX/XX/2022 Balance : {$250.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-01
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
credit bureaus refused to reverse the late payments reported on XXXX XXXX XXXX****,  XXXX XXXX XXXX XXXX****..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2023-10-20
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2023, Americollect said, " Americollect believes that its information is accurate. '' I know that the information provided by Americollect is inaccurate. The addresses are inaccurate, I did not receive medical attention in XXXX, Wisconsin. Furthermore, the debt amount that Americollect seeks is inaccurate. Enclosed is the documents showing discrepancies. 

Americollect sent an itemize statement with a total balance due {$1500.00}. 
XXXX XXXX shows the total amount of {$1300.00}. 
The account number is XXXX. 
It seems as Americollect added interest to a medical bill. 

The other medical debt that Americollect reported is inaccurate as well. 

The Fair Debt Collection Practices Act prohibits debt collectors from using abusive, unfair, or deceptive practices to collect debts from people, including : Misrepresenting the nature of the debt, including the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: CORELOGIC INC
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Greetings My name is XXXX XXXX. On Two Occasions, Credco obtained a copy of my credit report. My ex-wife who I had divorced in XXXX still had access to my social security number. And had tried to purchase a house using my SSN to cosign on a mortgage without my consent These Two occasions were XX/XX/XXXX and XX/XX/XXXX Respectively

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 2018-10-29
Company: AMERICAN EXPRESS COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for the American Express XXXX Surpass card in XX/XX/XXXX while a promotion was going on that offered a free XXXX weekend night after the one year anniversary of holding the card. This offer stated " The free weekend night award will be sent as an email from XXXX to the email address listed on your XXXX XXXX account within 6 - 8 weeks after the first anniversary date of the Card account ''. On XX/XX/XXXX, I contacted American Express to inquire about that status of the reward and was told " The maximum time is 6-8 weeks. However, you may expect within 1-2 week as well ''. On XX/XX/XXXX, I contacted American Express again - this time, I was told that XXXX was responsible for providing the reward. I contacted XXXX and was told " American Express, not XXXX XXXX, determines if the card member is eligible to receive a Weekend Night Reward ''. I contacted American Express again on XX/XX/XXXX and was told an inquiry about the issue would be raised. Finally, on XX/XX/XXXX, I contacted American Express a final time and was told that no investigation was ever started ; however, the representative offered to open another one and stated I would be contacted " within 3-5 business days the outcome will be updated. [ And ] if you wish we can also arrange a call back once we hear from them ''. As of today, I still have received no response about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
on XX/XX/XXXX I was scammed via XXXX messenger. I sent a XXXX for {$800.00} to XXXX for XXXX XXXX tickets- and no tickets were delivered and I was immediately blocked on FB messenger. I reported it to my bank, Capital One within minutes. The service rep I talked to on XX/XX/XXXX said they would be able to get my money back and I would see the credit back to my account within 10 days. That did not happen and there has been no follow up from cap. one. 
I followed up with Cap One on XX/XX/XXXX and found that the claim was denied and closed. I explained that the previous rep said my money would be returned. They offered to reopen the claim. Once again, there was no follow up from Cap one. I called again today and was told that the claim was denied again and that basicallythey are not legally required to protect your money from XXXX transactions. 

I've also reported my scam to XXXX and the FBI. 

A large bank like CapOne should protect our money- specifically if a scam is reporting within minutes of happening. Scams are going to become more frequent - banks need to protect us. 

In my situation, I thought I was talking to someone I knew and I thought I was " being smart '' to only send half the money, get XXXX the tickets delivered and the send then other half. I saw images of the tickets- so they seemed real. The person on the other side chatted with me as if we knew each other, so I had no reason to believe it wasn't her. 

Reported to cap one XX/XX/XXXX at XXXX Followed up with Cap one on XX/XX/XXXX. Claim was closed. They re-opened. 
Followed up with Cap one on XX/XX/XXXX. Claim was denied a second time. They said there was nothing they could do as they aren't legally required to do so. 

XXXX XXXX. no : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: EQUIFAX, INC.
State: LA
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
State: WV
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation