BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-27
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/, a little before XXXX XXXX I used Ally Bank 's online check deposit feature to deposit a {$2000.00} check from the US Treasury. 

Despite beating the cutoff time, I noticed there was no actual details of when the check would post. Later that night, the site was updated to indicate an extended hold of five days was placed on it. The only reason given was " inconsistent information on the check '' ( what?! ) I am familiar with the reasons that an extended hold can be placed on government checks - none apply in this case. I've never been overdrawn. It wasn't over the large check threshold. There is no reasonable doubt that this check will be paid ( it's a GOVERNMENT CHECK ). 

It seems they are actually probably just annoyed that my balance is far lower than the value of a check, and made up a reason to hold it. 

They refused to remove the hold when I asked. Now {$2000.00} is in limbo. I've been waiting five months for this check.

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 2024-01-08
Company: U.S. BANCORP
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Im writing about the following data that appears on my credit report. Im challenging the validity of this record showing a debt that is recorded in your system under the FCRA, Fair Credit Reporting Act, Section 609. I am asking you to remove this record. If you can not remove this record, I request you remove this data from my account immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US BANK XXXX XXXX I want this deletion from my report 3 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 non-monetary relief
Consumer complaint received 2024-01-06
Company: ALLY FINANCIAL INC.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have tried to open a Savings account with Ally bank online ( application : XXXX ), I called and spend over 1hour and 45minutes and escalated to supervisor on the phone, the translation services was not translating the same information that I was given, the account could not be opened and they claim fraud concerns, they did not provide any other option to resolve the issue, I did explained that is a savings account so I can put part of my salary, I am a XXXX XXXXXXXX that have a legal status in the XXXX, I provided all documents they required and at this point I feel discriminated against. This is unacceptable. I do have evidence of screen capture of time on the call and the letter they sent.

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 2023-12-29
Company: ALLY FINANCIAL INC.
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I purchased a new XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN, XXXX. I traded in my old XXXX with a value amount of XXXX they estimated with pictures through email. Then brought trade in value down even more more to XXXX while in person. I did have a loan still to pay off with old jeep of XXXX and I put down XXXX with a check. When the workers were talking with Ally Bank they coming up with a payment amount. I was shocked that the monthly payment was so high of XXXX, but I really needed a reliable vehicle for me and my XXXX children due to the old jeep had a lot of recalls. This would be my first time purchasing an actual new vehicle to where I always bought used vehicles. So, I had no idea what to expect. My children and I were at the dealership for a very long time. I think it was XXXX hours total. So, I saw that the interest rate was at 19 %, but didn't know what was good or bad for interest rates on a new vehicle. I even told the XXXX that the monthly amount was way to big and I was only looking to pay XXXX at the most. But like I said I needed a reliable vehicle. The amount financed was at XXXX, but with the interest rate and such jumped up to XXXX! How is anyone supposed to pay this off? Well, I received a letter dated XX/XX/XXXX. Letter was from Ally Bank, XXXX, MN saying they had to adjust the interest to 18.00 % with total sale price of XXXX, XXXX payments of {$720.00}. I just thought about this for some time and was think this interest is not adding up to me at all. I asked an attorney about this and they said this is illegal to change the rate and amounts and nothing to sign or spoken to first then the state of Minnesota with new vehicles the Max percentage that banks can charge is 8 %. When this bank ran my credit score it was fair and have always been on time with my old loan with the old jeep. The dealership 's XXXX wasn't going to let me take the new vehicle that day even when I signed everything. But the XXXX said I could take the new jeep so I ended up taking it home. I knew there was something wrong going on here. The dealership also had already sold my old jeep within XXXX weeks.

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 2023-11-25
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I went to the nail salon on XX/XX/XXXX  to get a full set of nails and a pedicure. The next day, the nail polished chipped off multiple toenails, and I realized the technician had missed a spot on my nails. I went back on XX/XX/XXXX  to get them repaired. They attempted to give me the same person and I declined, they then gave me another technician. Then on XX/XX/XXXX  the nails chipped AGAIN! I was in Alabama at the time, and had to go to a new nail salon to get a brand new nail set. This resulted in me spending more money and ruining my TRIP! I called the nail salon while in Alabama and there was not an answer. I disputed it with my bank, Navy Federal Credit Union and they temporarily credited my account. I then got an email on XX/XX/XXXX  explaining they favored the nail salon 's side of the dispute because " there is no record of service cancellation. '' This reasoning is illogical and does not make sense. There was not a record of service cancellation agreement that even happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: CA
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:
Credit Bureaus are engaging in deceptive and unfair practices of the FDCPA which it prohibits. They are reporting late payments on accounts that are incorrect and inaccurate. Under law The late payments on this account are inaccurate and are in direct violation of 15 USC 1681s-2 ( a ) ( 1 ) ( B ). 

XXXX XXXX Acct # XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number 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 2023-10-27
Company: EQUIFAX, INC.
State: IN
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:
Personal information was made public to 3rd party agencies as well as inaccurate information on my personal consumer report without my expressed written consent in writing. I also believe but can not verify that XXXX as well as other 3rd party agencies benefitted monetarily in sharing my restricted private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX is reporting an account incorrectly. 
XX/XX/XXXXXX/XX/XXXX with a paid balance of {$3000.00} is showing remarks as payment after charge off/collection. Payment deferred. It was never charged off, and certainly was NOT ever sent to collections, and the business has verified that. I will include my emails back and forth from the company and they indicate they have tried to fix it several times and that XXXX is refusing to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Experian Information Solutions 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:
Every single US DEPT AND XXXX/DOFED account that Is reporting on my consumer report is incorrect and needs to be removed. Every negative alleged account is reporting inaccurately, and erroneous which is grounds for removal under the Direct Violation of 15 USC 1681 Reporting incorrectly. Please have them do a full complete investigation on my credit report, please dont just have them do it by eoscar, my life is depending on my good credit. Every inaccurate account is unauthorized and needs to be removed ASAP. 

This debt collector and credit reporting agency engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

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 2023-11-27
Company: Experian Information Solutions Inc.
State: TX
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:
To whom this may concerns : My wife and I negotiated an apartment lease cancellation fee and subsequently paid a cancelation fee to XXXX XXXX XXXX  in the amount of USD XXXX. As a result, this fee brought our balance to USD XXXX. XXXX XXXX XXXX  incorrectly reported the fee of XXXX to XXXX XXXX XXXX. Subsequently, this has impacted me and my wife 's credit score with XXXX, Experian, and XXXX. We submitted written request, which included USPS certified mail, to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Experian, and XXXX requesting to remove the collection balance from our credit reports. 
Action dates : 1 ). On XX/XX/2023 a written request was sent via USPS certified mail asking to dispute account with original creditor. Letters were addressed to XXXX, XXXX, and Experian. 
2 ). On XX/XX/2023 a written request was sent via USPS certified mail asking to dispute account with original creditor. Letters were addressed to XXXX XXXX XXXX. 
3 ). Beginning XXXX through XX/XX/2023, multiple attempts made to XXXX XXXX XXXX to correct the issue they initiated. No response. 
4 ). On XX/XX/2023, my wife and I re-ran our credit reports to see if dispute was resolved. As of XX/XX/2023, the dispute is still active. 

Additional details available upon request.

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 2023-11-27
Company: Experian Information Solutions Inc.
State: MI
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-11-25
Company: Chime Financial Inc
State: TX
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:
on XX/XX/XXXX i had {$550.00} taken from my credit builder bank account with Chime by XXXX XXXX XXXX, this only resulted because a Chime employee wrongfully informed me about a month ago that i could not block merchants from my account so i would just need to turn off my credit builder card. i have XXXX accounts, my regular checking account and my credit builder account. money from my checking account will go into my credit builder. When i noticed this money had not only been taken from my account unauthorized it was transferred from my checking to savings when i had the button to do so turned off and my card turned off as well. somehow i have no idea those buttons were turned on and i know for a fact i did not do so or authorize so. i called the company and the lady on the phone told me that the information i had been given is wrong. and i could've blocked the merchant. anyway i file the dispute with the lady on the phone and she advises me to delete my credit builder account as well. i told her i want to given i no longer feel safe that a bank employee is giving me wrong information. i then ask her if doing so will my money be refunded back to me properly and it wont interfere with depositing. she said " no '' i kept calling back chime employees to speak to someone higher up about this issue and nobody offered any help or had any desire to help me in my situation. even had some employees insult me. i have records of phone calls with the employees. 
finally on XX/XX/XXXX the dispute was settled but the money was not deposited back into my checking out. 
i call and again i was informed how another employee screwed up, they told me i should've never deleted my credit builder account because thats where my money would be given back. i told them i was told opposite. 
i would call almost everyday and same thing, wrong information, employees not wanting to help, employees not even knowing what to do. they even kept informing me that my money was already given back to me. finally after my XXXX call or more a lady says she can see i never received my {$550.00} back. she said the company would mail a check and it will be there in 30 days. i said thank you and asked if all the information could be emailed to me. she said they would be emailing me everything by the end of the day. i did not receive anything. i call the next day i was then told by another employee they dont offer emailed information because it is against policy, i ask to speak to someone higher up because i need my money they hung up. i called again and a lady told me to message the help center. i email the email address she gave me and i am responded back with " wrong email '' i call again XXXX at a loss now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-24
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I mailed a certified letter to Navy Federal Credit Union. The letter explained the inaccurate reporting of XXXX accounts on my consumer report. According to my consumer reports from XXXX, XXXX and XXXX XXXX credit card accounts and one unsecured account was charged off ( XXXX, XXXX, and XX/XX/XXXX ). The IRS clearly defines a charge off as gross or ordinary income. According to IRS Publication 4681 a charge off or canceled debt must be reported as gross income on your tax return. The lender must file Form 1099-C and send the consumer a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency or other applicable entity. I never received my copy of Form 1099-C for the three charged off accounts. Navy Federal is in violation of 15 USC 1681 s-2. I requested my copy of Form 1099-C and the deletion of the accounts from my consumer reports. Navy Federal Credit Union responded with a letter dated XX/XX/XXXX stating the information is being accurately reported to the consumer reporting agencies. Income does not get reported on consumer reports which in fact makes the reporting of these accounts inaccurate. By definition, the IRS clearly says a canceled debt or charge off is income. The reporting of these accounts as a debt is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX Credit card reported my account as delinquent to credit reporting agencies in XX/XX/XXXX : I have paid off the full balance every month ( with the few exception there were autopay glitches from their end ). There were never any balance owed. 

XXXX of XXXX, there was a duplicate payment for the full balance ( they took a phone payment and autopay in the same month ). When I found out, I requested one of the payments be posted back to my bank account. So for the months of XXXX and XX/XX/XXXX, there was an overpayment ( credit ) on the account so there was no balance due and I could not pay anything to account. I was on autopay for these months. 

The bank decided to credit me back for the duplicate payment in XXXX. Apparently when they did this, they reported me to credit reporting agencies as me being delinquent for the month of XX/XX/XXXX. They backdated the credit back to the original date of payment in XXXX and then said that I did not make the XXXX and XXXX payments ( despite the fact that they had my money in their possession until XXXX ). There would not be possible for me to retroactively pay for the months of XXXX and XXXX ( no balance b/c it was showing a credit to the account ). They also did not let me know that the payment back would result in this. 

When I call XXXX XXXX  XXXX credit card, they tell me that the situation is " unfortunate '' but the credit report is correct and nothing can be done. 

If nothing else, how can they take my money interest free for XXXX months ( XXXX ) and back date the credit? They will not work with me. They tell me it is the consumer 's obligation to foresee the outcome and they have no reason for full disclosure. 

For the months of XXXX, I have never received any statement due. All those months, the balance was always showing a credit, so autopayment would not have been able to make any payment on the account. They RETROACTIVELY made me delinquent on my account by BACKDATING the credit from the duplicate overpayment. Had they only credited my account in a timely manner for the duplicate payment, all this would have been avoided, too. 

Please help me. I want them to remove the credit delinquency from 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 explanation
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: NC
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:
Inaccurate information and unverified information on my reports the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: TX
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:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-11-27
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to you with a sense of urgency and frustration regarding the fraudulent accounts that have infiltrated my credit report. It is imperative that you take immediate, aggressive action to rectify this situation, as it is causing severe damage to my financial well-being, and I hold XXXX responsible for allowing these errors to persist. 

The following fraudulent accounts have been reported on my credit profile : XXXX XXXX  XXXX XXXX XXXX  XXXX Despite my relentless pursuit of justice and rectification, these fraudulent accounts continue to plague my credit profile, causing untold harm to my financial standing. I am not merely requesting, but DEMANDING that XXXX launch an immediate and aggressive investigation into these disputed accounts, ERADICATE them from my credit report, and furnish me with a revised credit report that reflects the truth about my creditworthiness. 

Thank you for your immediate attention to this critical 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 explanation