BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-29
Company: ALLY FINANCIAL INC.
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Thursday, XX/XX/XXXX, I did an internal transfer of {$4000.00} from my Ally Checking account to my Ally Investment account. The funds were deducted immediately from my checking. As of XXXX on Friday, XX/XX/XXXX, those funds are missing. They are not reflected in my checking or investment account balance. I have been unable to reach anyone by phone, despite remaining on hold for 2 hours. I was able to reach a representative via the Ally Bank chat, and the representative said there was nothing he could 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 2019-05-30
Company: WLCC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I borrowed {$300.00} from this lender and so far they have garnished XXXX out of my wages, this is more than half of what I borrowed and they still plan on taking more. If I had known this I would have never borrowed anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-29
Company: Square Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hello : On Saturday, XX/XX/XXXX : My son, XXXX was trying to open an account with Cash App dba Square under his account name " XXXX XXXX XXXX '' & was told to test his Account by sending Money to someone which was me & for me to send the money right back to him. 

Instead of the Money coming " directly back to him off of " my own '' Cash App Debit Card, they withdrew the Money out of my Checking/Debit Card Account & the transactions failed several times which caused my Checking Account to be overdrawn. 

After further discussion & the Cash App Rep still trying to figure out the problem, I was told that they would go ahead & put the Money " right back '' in my account but they never did. Instead, they sent me a Text Message saying that my Money would be deposited back into my Checking/Debit Card Account by Wednesday, XX/XX/XXXX. They phoned me several times again & I told them I wanted my Money returned to me ASAP! 

On Thursday, XX/XX/XXXX, Cash App dba Square, tried to withdrawl the {$340.00} again. I then contacted my Bank & they said they would file a Fraud Claim & do an Investigation. 

As of today, Friday, XX/XX/XXXX, I still have not received my {$340.00} back. I reached back out to Cash App dba Square the same day asking them why I still have not received my Money as they originally promised on Saturday, XX/XX/XXXX. They responded back to me via e-mail saying that it takes several days for them to review the situation & in some cases they may not Refund the Money.

I did not authorize them to take any Money out of my Checking/Debit Card Account. 

Within a few days, my son did receive his Money back while I am still waiting. 

I have already filed a Complaint with my Bank & the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: TRUIST FINANCIAL CORPORATION
State: TX
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 a loan with SHEFFIELD FN and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, SHEFFIELD FN and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.

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 2021-10-07
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: Account information incorrect

Complaint:
On my credit reports the total amount owed on my student loans is incorrect. The account is listed on my credit report as 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 2019-11-13
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:
I applied for a personal loan today XX/XX/19 and I was not approved because when they ran y credit, they said that there was an account and some inquiries reflecting badly on my credit report. That account does not belong to me. I did not open that account and I did not allow anyone to open this account in my name. I have never opened an account with that company nor did I ever make any purchases or payments towards the account that I have listed on this report. I filed a police report as soon as I found out about these unauthorized items on my credit 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 non-monetary relief
Consumer complaint received 2020-08-29
Company: CAINE & WEINER COMPANY, INC.
State: TX
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 a loan with XXXX ( Original Creditor : XXXX XXXX XXXX ), XXXX ( Original Creditor : XXXX XXXX XXXX ), and CAINE WEINER ( Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ), XXXX ( Original Creditor : XXXX XXXX XXXX ), and CAINE WEINER ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: Advanced Resolution Services Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2018 I sent a certified letter to XXXX   disputing a public record, a bankruptcy they have listed on my credit report. I challenged the information 's accuracy and demanded that XXXX VALIDATE that said information was mine. I advised XXXX that the information was incorrect and that I have a letter from the US Bankruptcy Court XXXX XXXX XXXX stating that they DO NOT provide public records to 3rd party agencies, yet XXXX still claims the BK Court has CERTIFIED the information is accurate. Advance Resolution Services INC. has been equally as difficult to deal with as they keep telling me the information has been VERIFIED via electronic signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: LoanCare, LLC
State: MS
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I filed a complaint with the CFPB on XX/XX/XXXX ( COMPLAINT NUMBER XXXX ). This complaint was for missing money orders that my company, loancare, took away from my account. My account was current until XX/XX/XXXX payment. I paid via check, and my check bounced four times. It was done bouncing on XX/XX/XXXX. The account shouldve been back dated to my XXXX payment since thats the month I was paying for when my check bounced. After all the bounces, my account back dated to XX/XX/XXXX. You can see this on the explanation loan care provided from the prior complaint. This is not correct. I paid via money orders, that should not have been taken away. I told loan care this, and they stated provide copies front and back of the money orders. I did this multiple times, and they stated they did not receive them. After I filed this complaint, loan care came back with documentation explaining that my account was back dated, but they did not explain why it was back dated to XX/XX/XXXX. It also states that my account was current as well prior to the bounces. It was contradicting itself in the letter. As you can see in the attached documents, it blatantly says it got back dated all the way to XX/XX/XXXX. But since loan care responded, CFPB closed the complaint. It was not taken care of, nor did my question get answered. Where did the money orders go, and why did it get back dated to XX/XX/XXXX? They were deposited by loan care as seen on the back of the money orders, but taken away from my account. Is loan care stealing this money and not applying it? I called loancare to discuss today. I spoke with XXXX who was a supervisor, and she said she actually does see the front and back of the money order on XX/XX/XXXX and my account should be corrected! Go figure! The ticket number where she found this in was XXXX. She said she would fix, but all the sudden she said she couldnt because I filed a formal complaint with the CFPB. She was no longer legally allowed to talk to me and CFPB had to handle it. I told her multiple times, CFPB closed the complaint. Loan care stated the complaint was still open on their end, so CFPB had to get ahold of them to fix. Can someone fix this? I am missing almost XXXX on my account!

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 2020-05-22
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: Information belongs to someone else

Complaint:
I have a XXXX XXXX bill that I've gotten help to contact them and they are still leaving a debt on my credit that is not mine. Please do what you can to make sure they remove this from my credit report. It stopping me from buying a home at a decent rate.

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 2019-11-13
Company: RockLoans Holdings LLC
State: ME
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/19 I received an email Rocket Loans informing me that I have " Exclusive Offers. '' Shortly after submitting my application on the company 's website I received a response stating I was denied the loan. on XX/XX/19 I replied to the email requesting an explanation as to why I keep receiving offers to apply for the loan. I received a response from Rocket Loans Support stating the company uses an automated system and their decisions are based on credit reports and my income. I responded to that email by pointing out that the company unscrupulously soliciting business by misleading me, and I'm sure other consumers, into believing that I was qualified for a loan. On XX/XX/19 I received an email from XXXX XXXX, VP, Sales, informing me at all of the appropriate disclosures are at the bottom of the original email. As you can see in the attachment, the company clearly highlights the suggestion that one sees their respective offers before reviewing any disclosures. 
On XX/XX/19 I received two more offers from Rocket Loans, only a few hours apart. Clearly Mr. XXXX ' response is disingenuous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-02
Company: AMERICAN EXPRESS COMPANY
State: MI
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:
AMEX took out of my checking account {$5900.00} when I signed up for autopay. The Authorized autopay amount was {$170.00} per month. AMEX ran the charge thru my checking account three times before it cleared by overdraft protection. I was charged by my bank {$99.00} for overdraft charges, and AMEX charged me {$28.00} per time they tried to collect this unauthorized amount.

AMEX blamed the error on their computer system. AMEX claims they can not control nor change their computer system when errors like these occur. Therefore, AMEX is highly susceptible to Cyber Security Fraud. AMEX can not control their own computer system per them ; not even on over-rides.

I want my {$5900.00} back. AMEX stole this amount from me and I did not authorize them to take this money out.

AMEX is not responding to my dispute online with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-12
Company: EQUIFAX, INC.
State: DC
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 called Equifax to have multiple two year old hard inquiries removed from my credit. 

Equifax had the wrong DOB listed for me. I was advised to send in a copy of my Birth Certificate and DL to have that corrected. 

Secondly, Equifax advised me- any creditor has the right to run a hard inquiry on credit at any time if I do not freeze my creditor. Therefore, in XX/XX/2016 I had numerous hard inquiries on my crdit that I did NOT authorize. There are authorized inquiries in XXXX and XXXX of 2016- that should be removed. Equifax failed to remove them and after our conversation, she told me there is nothing she can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: Credit Associates of Maui, LTD
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Contacted Credit Associates of XXXX in order to make a lump sum payment on the debt that I had with them. Spoke to a woman named XXXX who said that I could settle two of the accounts I had with them for amounts that were slightly less than what was owed. I asked XXXX if this would clear my obligation with them and was told that it would I also asked if I could receive a receipt regarding the transaction via mail or email which I provided to her the time of the conversation. I asked when I would see the removal of this from my credit to which I was told it would be posted on XX/XX/XXXX. On XX/XX/XXXX I left a message for XXXX requesting a receipt as I had still not received it but received no reply. I called again on XX/XX/XXXX and got connected to her to which I was told she would have an " XXXX '' send the receipt to my email which I never received. After checking my credit on XX/XX/XXXX I discovered that the supposedly discounted amounts that XXXX had given me on XX/XX/XXXX were reported to the credit bureau as derogatory and a collection/charge off debt owed which was not something that was disclosed by XXXX when the debt was collected. I called to speak to the supervisor and have yet to receive a call back. I have been unable to get any correspondence from them to date and was falsely led to believe that the amount I paid would settle the debt that I had with them which is a direct violation of the FDCPA which states that debt collectors can not use any false, deceptive, or misleading representation to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I tried to log on to my USAA account for the first time in a few years. I talked to a security specialist, who unlocked the account, then promptly relocked the account so we can't pay bills. All of our bills a due to come out in the next day or two, none will get paid. USAA says there is nothing that can be done. No one in the company can fix it. 

I'm pleading with the CFPB. I realize you won't get this resolved any quicker, but I hope it helps the next person in this situation. It's not a good place to be in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: Fleet Mortgage Corp
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am trying to close on a Home Equity Line of Credit, but ca n't close because the title search ( attached ) is showing a 2nd open mortgage on the property. The original mortgage ( XX/XX/XXXX w/ XXXX XXXX XXXX - attached ) was assigned to XXXX XXXX XXXX , subsequently corrected to Fleet Mortgage Corp. ( assignment & correction attached. ) In XX/XX/XXXX we refinanced with XXXX XXXX XXXX. ( mortgage attached. ) Apparently Fleet never filed a Satisfaction of Mortgage, so the Fleet Mortgage is still showing up on the title search as open. Fleet Mortgage Corp. was subsequently absorbed/bought out/merged - not really sure what. I am unable to track down anyone that has any records from when Fleet held the mortgage, and can file the satisfaction of mortgage to clear my title. Also confusing ( but not sure if its relevant? ) - In XX/XX/XXXX I refinanced the mortgage with XXXX XXXX. XXXX filed a satisfaction of mortgage, but the issue of another open mortgage on the property never came up.

Company response to consumer: Untimely response
Consumer complaint received 2019-11-02
Company: Aqua Finance, Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: JPMORGAN CHASE & CO.
State: IL
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 unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. JPMCB AUTO FINANCE Inquiry : XX/XX/2019, XX/XX/XXXX Inquiry : XX/XX/2019, XXXX XXXX Inquiry : XX/XX/2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My bank sent a payment that would have brought all 3 of my Capital One credit cards current. Capital One just applied it to one account. I called on XX/XX/21 and the representative said they couldn't divide the payment up and apply it to all 3 accounts and would mail my payment back to me. I asked for a supervisor because the other 2 accounts were going to come due and asked if they could possibly freeze the accounts so I wasn't due another payment, interest, and late charges/fees. The manager said she would document the accounts since I was waiting on the payment to come back through the mail. The call ended while I was on the phone with her. I called today, XX/XX/21, because I noticed the payment was never sent back to me and that the other 2 accounts were hit with fees and another payment. I called and the guy said he didn't know why they couldn't have divided my payments since they do it all the time and passed me to his supervisor. His supervisor said the payment was sent out today and would take 10-15 days for me to receive it and there was nothing she could do about the other 2 accounts in fixing the payment that was occurring or the fees or late charges. She was unhelpful in helping me try to resolve the situation and said I could file a complaint if I wasn't happy. I mailed a payment of {$6000.00} that hit my account originally on XX/XX/21.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-07
Company: AES/PHEAA
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:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: EQUIFAX, INC.
State: VA
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:
I have sent several complaints to XXXX  and Equifax about fraudulent accounts and Inquiries on my credit report. I am not using credit repair company to help me in any way. I am disputing these fraudulent accounts and inquiries on my own. I am in jeopardy of using my top secret clearance and my job for this. I am responsible for taking care a family of 7. Please Reinvestigate this complaint. XXXX  and Equifax has XXXX XXXX and XXXX for XXXX. FRAUDULENT Inquiries from XXXX  XXXX, XXXX/XXXX, XXXX, XXXX XXXX XXXX  and Equifax XXXX XXXX.

Company response to consumer: Closed with explanation