BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-29
Company: ALLY FINANCIAL INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have tried several times to access my checking and savings account at Ally Bank, but the bank appears to have blocked access to my account and refuses to give me a reason. When I called their helpline they told me that they could only help me if I wrote to them. When I wrote to the bank I received no response. This letter is attached. I also called the bank several times during the past month I was repeatedly told they could not help me. 

I am an attorney and I have to pay for clients bills as I'm authorize to do from this account. I have suffered significant damage in my clients have suffered damage because of the bank 's action. Is the bank does not respond to me I have contacted you and hope that you can help to resolve this matter and encourage the bank to pay me compensation and ensure that such blocking of my account without any reason does not happen in the future.

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 2023-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
Disputed {$600.00} charge from XX/XX/XXXX from Full XXXX. We were sent all the wrong colored tshirts and sweatshirts we ordered and merchant just argued with us. I disputed it with Capital One for many weeks. They came back to say we were already given a partial refund from this company ( {$250.00} ). This refund was for a separate transaction with Full Spectrum. We cancelled screenprinting on another order after we received this bad order. 
Then Capital One removes the refund the merchant gave us and charged it back to our card. We are now owed a refund of the {$600.00} + {$250.00} PLUS INTEREST I have faxed 10+ times back and forth and they will not help me. 

I have many, many pages on this. I can email all of the correspondence I wrote back to them, please let me know what email or fax to send them to. Thank you so much for your help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-16
Company: AVANTE
State: WA
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:
There are multiple companies reporting a debt that was incurred while I was living in a different state and someone else obbously used my info to go to the er The companies are Avante XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: Winklevoss Exchange LLC
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Re : XXXX Complain against Gemini Trust Co , llc, a New York-based cryptocurrency exchange. 
Despite providing information and documents requested by Gemini Trust Co, llc in their response to my previous complain XXXX, my account still restricted and frozen. Customer service is not responsive. 
I believe that Gemini may be in violation of federal consumer financial protection laws, and I urge you to investigate this matter and take appropriate action. I have attached copies of my previous correspondence with Gemini. Thank you for your attention to this matter. 
Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Unknown to us when we modified in XXXX lender added XXXX to deferred principal for a principal reduction they applied in XXXX 2014. Our acct history sheet did not provide this information. 
We did not receive modification breakdown until XXXX 2030 and XXXX 2021 which showed this principal reduction being added to our deferred principal which for over 20 years we would be charged interest on. 
Why would anyone want to increase expenses through modification which would not help them financially

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
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:
Dear Sir/Madam : THIS IS IN RESPONSE TO COMPLAINT : XXXX YOU ARE ALLOWED 30 DAYS FOR A COMPLAINT RESPONSE On XX/XX/XXXX, I have sent letter of dispute I have been ignored and the proper protocall was not used to determine my dispute reason permited by law I had not heard any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report. 
Items : XXXX XXXX Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report. 
Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from ( Your Name ) credit reports. I demand the account be verified or removed immediately!

If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of  the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : 1 ) any actual damages I sustain by you failure to delete the item ; 2 ) punitive damages as the court may allow ; and 3 ) costs of the court action, plus attorneys fees. 

I have forwarded a copy of this letter to the Federal Trade Commission. 

Sincerely, XXXX, XXXX XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX , FL 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 2023-03-28
Company: MoneyLion Inc.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 at approximately XXXX EST I checked my balance in my money lion checking account when I noticed a very low balance I immediately contacted money lion. There were two unauthorized transactions pending totaling XXXX. I informed them I did not use my card to make any purchases on Friday evening except one at the XXXX XXXX near my home in XXXX KY and the purchase amount was for XXXX. They are refusing to return my money and also made them aware at the emergency situation in which I was involved and why I needed my money asap. My grandchildren have been abandoned in XXXX and I needed to drive to XXXX immediately. They have yet to return my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
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 have disputed items on my credit report with all 3 major credit companys. Equifax has all the same accounts as the other 2 but all my disputes with equifax they just say been verified. They actually aren't investigating. They have an Item on collections that has been paid in full. one of my accounts with XXXX shows only payment in XXXX but has been XXXX XXXX XXXX. shows wrong balance as well. My premier card and credit one card both have wrong balance yet equifax will not probably verify this info. They also drop me 19 points after removing student loans that were not due and are over 100 points lower then other 2 credit companys. this is getting nowhere with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to ... promptly delete all information which can not be certified. that I have disputed. Please resolve this manner as soon as possible. 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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-05-04
Company: EQUIFAX, INC.
State: LA
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 submitted a dispute to equifax and they closed my dispute after 1 day. To me that means they didnt take my dispute seriously and didnt look into it further. I dont think thats fair and it shows that there was no work or investigation on their end to resolve my dispute with the credit companies in question. I feel they should reopen the dispute and further look into it and delete what is wrong on my credit report. I constantly have told them that I have no knowledge of the accounts and they ignored my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
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:
Accordance to the fair credit reporting act XXXX XXXX XXXX, acct # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. Shows I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it's also shows 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 2023-10-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Let me explain my circumstances. 
I have a low 700s Fico credit score on all 3 bureaus, it never goes above XXXX on all bureaus. 
All my accounts are current and have never been late. I have a perfect revolving payment history, and a perfect installment mortgage loan. 
Zero Inquires on Experian, 1 Inquiry on XXXX, 2 inquires on XXXX. My credit age goes back to XXXX, with a 4 % overall credit utilization. 
This all can be verified through the platform http : //www.experian.com. With all that being my credit score should be in the 800s. Minimally high 700s. XXXX XXXX XXXX  which uses a vantage score has me in the 800s. XXXX XXXX however is not the source mortgage companies ; auto dealerships and bank lenders use. They all use the trusted, more accurate fico system. 
My credit score never rises above 700s, and I just recently found out why when applying for a business line of credit and an auto loan and to my surprise was declined for both by primary lenders. I was forced to take a 16 % subprime auto loan, which is insane with my credit profile and score. 
in the http : //www.experian.com and XXXX platforms there is a section in http : //www.experian.com called " key factors ''. in the key factors and " additional scores '' section the langue used in both sections in bold red pertaining to my credit profile is below and the exact language used in the decline. Somehow this erroneous information is incorrect, somehow in my credit profile, and preventing me from getting and type of funding. This is also the reason why my credit score will not go above XXXX on none of the bureaus.

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 2023-10-13
Company: Grant Mercantile Agency
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We received a call from Grant Mercantile Agency Inc., a collection agency on Friday XXXX XXXX stating that I owe them {$750.00} for the XXXX  bill that was due from XXXX XXXX XXXX XXXX. During the call we mentioned that our Insurance company took care of the bill and we received a confirmation letter from Grant Mercantile Agency stating that the account has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: EQUIFAX, INC.
State: FL
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:
I have been trying to dispute inquiries that have been on my report that I didn't authorize or don't recall. I have been asking for proof and I haven't received a response. 

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 Equifax 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had a balance of {$48000.00} in my account. Chase Bank closed my account on XX/XX/XXXX without notice. I have been very patient with them. As of today I still have not received a check for the balance that was in the account. I have called several times and told that account is under investigation with no reason why. 

The calls are as follows, with each call being around an hour : XX/XX/XXXX Account still under investigation call back next week. 

XX/XX/XXXX Account still under investigation call back in 2 weeks. 

XX/XX/XXXX Account still under investigation. The department investigating can not be called. Was told in can take 90 days from closure to complete. I asked for them to send copies of my bank statements. 

XX/XX/XXXX Account still under investigation. The department investigating can not be called. Was told they can take how long they want to complete the investigation. 

XX/XX/XXXX. Went into the Chase Branch on XXXX XXXX XXXX in XXXX, LA XXXX Spoke with XXXX and XXXX XXXX. Stayed there for over an hour. 
They called and was on hold as well, finally spoke with someone stating that the investigation was complete but they were no notes to tell them what to do with the funds, but I will receive something in one week and they would email. 

XX/XX/XXXX. Went back to the bank, they said they never received an update. 

XX/XX/XXXX Called in and received the same response. Asked to speak with the supervisor. Threatened to sue and received the legal team address to send lawsuit. 

XX/XX/XXXX. Went back to the bank, they said they never received an update. 

XX/XX/XXXX. A check was mailed to me for {$4000.00} stating that it was the balance of my closed account. I never cashed this check because it is not the balance. 

XX/XX/XXXX. Account is still under investigation and they have no further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  *I disputed all these unauthorized open accounts*

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 2023-07-16
Company: EQUIFAX, 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:
XXXX XXXX has reported to all XXXX bureaus a 30 day late payment. According to the FRCA, creditors can report a later after 30 days. They have acknowledged that the payment was received on the XXXX day in XX/XX/2023, yet refuse to update their incorrect reporting. I have disputed this with all XXXX bureaus as well, however the outcome has not changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: EQUIFAX, INC.
State: MI
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXXXXXX 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 Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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/21 I sent correspondance identifie all inaccurate items. As of today over 45 days later I have not received any communication. I feel like Im on a hamster wheel with this issue. I recently found out my information was compromised in the XXXX  data breach and now more than ever I feel my information may have fallen into the wrong hands. I ask for your assistance to get these erroneous/inaccurate items removed from my report.

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