BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-03
Company: ALLY FINANCIAL INC.
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hello, It is hard to actually save money, to not touch it, especially in these times. That said, I have noticed that Ally Bank CONTINUES to cheat me on the interest THEY offer. I've had my online high-interest yielding savings account and their online checking and money market accounts probably since XXXX or XXXX. Way back in XXXX I first noticed that the interest that they say is compounding daily and paid out monthly continues to be short. 

How is it that I'm receiving LESS interest even though the interest is supposedly compounding daily AND I'm making deposits that increase my balance by hundreds of dollars? 

Case in point : As of XX/XX/XXXX my savings account ( high interest yielding ) which is supposedly accruing XXXX  daily in interest and is supposedly compounding daily, was credited with {XXXX} ( .15 daily x 30 days ). Between XXXX & XXXX, I made deposits that increased my balance by more than {$400.00} yet on XX/XX/XXXX my account was credited with only {XXXX} of interest. I made no withdrawals at all this YEAR, and so at no point did my balance decrease, I only made deposits. 

I called Ally on 3 different occasions to speak with them about it and I was given 3 different, senseless explanations as to why. The 3rd person I spoke to told me that my XXXX interest payment was reflective of only 28 days of interest, not 30 as was the case with my XXXX interest payment. But when I pointed out to her that my savings account clearly states that it is accruing XXXX daily and that XXXX  x 28 days would = XXXX she could NOT explain how I was only credited with {XXXX}. 

I've had this same problem with Ally bank back in XXXX and at one point, I had moved my money out of Ally and back to horrible, awful XXXX XXXX! But at some point I decided that even though I was being shorted by Ally, it was still way more interest than XXXX XXXX. 

I don't know what to do. As you all know, as it relates to interest compounding, each and every penny counts. Aren't I supposed to see ever increasing interest payments mainly because it's supposed to be compounding DAILY and I've only been depositing increasing my balance? Ally 's high-interest savings account rate has not changed in these past 3 months and it still remains at 0.50 %. I wish there was a way to make them pay me ALL of the interest that they've been shorting me since first opening my accounts. 

Thanks for reading all of this and for any help you can provide. 

Ally gave me a " case number '' XXXX about this complaint on XX/XX/XXXX. I've heard from no one at Ally since. 

Hope you can help make a permanent positive difference, 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 2021-02-16
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Promotion is misleading and predatory. Advertised as no interest or interest free for 12 months. I bought furniture in the amount of {$1800.00} in XX/XX/XXXX. Promotion expired XX/XX/XXXX. Since I did not pay off the balance. I was charged {$420.00} dollars in Interest. The interest was deferred. I was not award that the interest was deferred. It was not stated on their promotion. The company could have advice their customers that their promotion is about to end and if they want to avoid the interest charged they have the option to pay off the balance. I was not aware that it was expiring. I was making my monthly payment on time even though I was jobless due to the pandemic. To charge their customers {$420.00} for 12 months period is outrageous and predatory.

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 2020-04-25
Company: EQUIFAX, 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:
I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE PUT A GREAT DEED OF HARDSHIP ON MY CREDIT. I AM IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S WRONG DOING AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE BEEN ABLE TO OBTAIN THESE ACCOUNTS WITH MY PERSONAL INFORMATION. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A DAMAGED STATE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 was victim of identity theft and I filed a police report and sent it over to XXXX  twice in the last 60 day. XXXX  has yet to remove the information and I also heard nothing from the credit agency or data furnisher.

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 2020-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have has an incorrect collection account removed previously on two separate occasions. It has reappeared on my Transunion report and they failed to remove it with my last dispute. This account is an error listed from XXXX and as a single woman who raised two kids by myself, it has caused me hardship and I may never own a home despite working my entire life. They also have me listed with the last name XXXX under personal info but I have never used that last name. In addition, I would like to know if anyone has investigated this company for bias towards women.

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 2019-10-06
Company: PNC Bank N.A.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I posted a couch for sale on XXXX and XXXX XXXX sent me a cashier 's check for {$1900.00}, which was much more than I was selling the couch for. He asked me to pay movers {$1700.00} to deliver the couch to him. I sent {$900.00} through XXXX to him before I realized it was a scam. PNC and XXXX were unable/unwilling to help in any way. The cashier 's check was mailed from a large office building in XXXX XXXX, and used the routing number of a XXXX XXXX XXXX XXXX in XXXX XXXX, CA. The check bounced about a week later.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a USPS money order in the amount of {$700.00}. I made the deposit to my account at the Bank of America ATM. A receipt was produced stating there is a 8 day hold ( 6 business days ). When I inquired, I was told that they have to verify that it is real. 

Bank of America can give me no better reason than that. I thought that the Availability of Funds Act stated that USPS money orders should be available the next business day.

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 monetary relief
Consumer complaint received 2022-04-03
Company: EQUIFAX, INC.
State: MN
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:
In Accordance with the Fair Credit reporting act XXXX  Account # XXXX, Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the Right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It States a Consumer Reporting Agency Can not Furnish an Account Without my written instructions. 


XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX at about XXXX Eastern, I stopped into the XXXX XXXX branch of Suntrust to deposit loose change that had been collecting over the last year. The teller advised that they do not have a change counter and refused to accept my coins. The teller further advised me to go to a local grocery store to have it converted into dollars. Later the same day, I called Suntrust to discuss the matter with them and to look for an alternative branch ; however, they informed me that it is their policy to only accept rolled coins and they would be of no further service to me.

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 2020-04-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, EQUIFAX AND XXXX  HAS SOME INACCURATE INFORMATION ON MY CREDIT REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: EQUIFAX, INC.
State: MD
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 am a victim of identity theft, I never authorized these accounts. These acounts hurting my credit score and I being victimized by the bureaus. I have included my change of address card along with my md state ID .This is the 3rd time I have had to identify mysef and your system eoscar continues to give me a generalized response stating it can not identify me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Lockhart, Morris & Montgomery Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
REQUESTED A CLAIM.I REQUESTED THE ORIGINAL CONTRACT I SUPPOSEDLY SIGNED WITH MY ORIGINAL SIGNATURE. I REQUEST THESE ORIGINAL DOCUMENTS AND ORIGINAL SIGNATURES TO SHOW IF OWE THIS DEBT. ALSO IF THIS DEBT WAS SOLD TO ANOTHER COLLECTOR. I HAVE NO PRIMITIVE CONTRACT WITH THEM EITHER. I REQUEST THESE ORIGINAL DOCUMENTS WITH MY ORIGINAL SIGNATURE IMMEDIATELY OR DELETE THESE DEBTS BECAUSE THE DEBT COLLECTION IS FRAUDULENT AGAINST MY RIGHTS AND US CODES IF I CAN BE DIRECT. PLEASE DELETE OR HAVE ORIGINAL DOCUMENTS. THANK YOU

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: Nationwide Credit Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I sold my primary residence in XX/XX/XXXX and requested all utility services to be cut off by XX/XX/XXXX. XXXX XXXX, utility account # XXXX generated a final invoice in the amount of {$160.00} that was sent to my new address on XX/XX/XXXX, along with a communication that XXXX XXXX was pleased to inform me that I was eligible to receive a credit for any unpaid balances of my natural gas bill for the period of XX/XX/XXXX through XX/XX/XXXX due to the exposure and financial difficulties that I was experiencing due to COVID -19/ The eligibility to receive this one-time bill payment assistance was possible because of the Virginia Coronavirus Aid , Relief and Economic Security ( CARES ) Act. At that moment in time, I was impacted financially due to a reduction in business and work hours, therefore I completed the paper form requested by XXXX  XXXX for this one time bill assistance and mailed back via USPS. 

I did not hear back from XXXX  XXXX, therefore I assumed that my bill was satisfied and account closed. On XX/XX/XXXX, I received a letter from Nationwide Credit Corporation, the collections agency that acts on behalf of XXXX  XXXX stating that I had an outstanding balance of {$160.00} that needed to be paid immediately and that this balance was already reported in my credit score to the credit bureaus. After some research, it was determined that XXXX  XXXX never processed my Covid19 relief request and then sent my account to collections. 

The account was paid in full to XXXX  XXXX on XX/XX/XXXX, confirmation # XXXX but the collection process is still showing in my credit report, negatively impacting my score and ability to acquire future credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: CCS Financial Services, Inc.
State: OH
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 Collection Services is showing a collection reported by XXXX XXXX XXXX company which does not belong to me. I have provided supporting documentation that proves the policy was cancelled in writing and a new policy was obtained through another carrier ; they have neglected to remove the collection from my credit report. XXXX XXXX owes me the balance of my policy that was unused prior to the cancellation and they have not rectified this issue. I want my credit report to be corrected.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried on several attempts to get this company to validate that Im the responsible party that owe this debt but they have failed to validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Experian Information Solutions Inc.
State: MI
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:
Firstly, let me thank you for the hard work of your team at the CFPB. Your agency does an outstanding work and we appreciate your efforts on behalf of the XXXX people. 
Our family was interested in refinancing a family property in XXXX, Michigan. My wife XXXX visited a branch of XXXX XXXX XXXX XXXX in XXXX to inquire on this matter and was placed in touch with XXXX in their Mortgage department. XXXX sent me the contact information for XXXX, and I attempted to reach her to discuss this possible refi. XXXX did provide XXXX with my personal information as well, including my social security number. I attempted to contact XXXX three ( 3 ) times via telephone, however none of my calls were returned. You could imagine my surprise when I received a credit alert that a hard inquiry was placed through Experian. 
The Fair Credit Reporting Act XXXX FCRA XXXX has a strict limit on who can check your credit and under what circumstance. I did not authorize this inquiry. In fact, I have never spoken with XXXX nor any other representative of XXXX XXXX XXXX XXXX. Im extremely disappointed with the conduct of their team and already requested remediation on this matter. 
Id appreciate your team document this activity and investigate as you see fit.

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 2021-11-10
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: CITIBANK, N.A.
State: NY
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:
I currently have only 1 credit card ( secured ) with Citibank. I have been checking XXXX  XXXX  and other credit assisted apps and have also been on XXXX  and it shows I have another open credit card from Citi all it says is Citicards CBNA, Opened XX/XX/2020. With a {$38.00} Balance. Im certain this is affecting my credit, and at this time Im really trying to get my credit to a good enough score to help my daughter in her future. Please if you Could contact me and please get this card and {$38.00} off my report. 
Thank you. 
Respectfully, 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 2022-04-03
Company: WELLS FARGO & COMPANY
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2021 I was at a nightclub and later through the night I had noticed someone stole my phone. On XX/XX/2021 when I went to purchase a new phone I noticed a XXXX XXXX transaction that I did not authorize. The person that stole my phone authorized a online advance of {$1000.00} on my Wells Fargo platinum credit card and included {$500.00} from my Wells Fargo debit account in this transaction. I filed a police report with the XXXX XXXX XXXX XXXX XXXX. The incident number is XXXX and their phone number is XXXX. I also filed the reports with my phone insurance provider XXXX as well as XXXX and XXXX. Both of the companies verified the fraud and was able to authorize my request for a phone replacement and {$2500.00} refund. Wells Fargo seems to be the only company that will not refund the remaining amount of {$1500.00} that was stolen. I would like to also mention that Wells Fargo refunded {$330.00} additional dollars that was stolen but for some reason they will not refund the remaining {$1500.00} that I have yet to receive.

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 2017-10-25
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I currently have a personal loan through OneMain Financial. I have never missed a payment for the life of the loan. I usually mail my payments in, so typically the postmarked date is used. Also, on their payment form, there is a payment due and a payment due 10 days or after date. However, their office in XXXX, IN where I originated the loan constantly calls me the day it is due and every day after. 

I contacted their corporate office and explained what was going on, and XXXX at the XXXX office contacted me and let me know that they would give me a 10-day window before calling. 

Within the last 3 months, XXXX at the same office has started calling the day it is due and so on. On XX/XX/XXXX I received a phone call, a page, and an email all within 5 minutes. 

NONE of my other creditors or utility companies use these practices, so I can not believe that these actions are legal. These practices are predatory at best.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received a copy of my credit report and TransUnion is reporting 2 accounts with XXXX XXXX XXXX & XXXX XXXX XXXX as being in Bankruptcy and that not correct. Please any help you could give me would be appreciated. Those two were not in BK.

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 2020-04-25
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX  XXXX XXXX XXXX Account Opened XX/XX/XXXX Balanced Owed {$1600.00} Account Number # XXXX XXXX  XXXX Account Opened XX/XX/XXXX Balanced Owed {$430.00} Account # XXXX These accounts do not belong to me, and I have tried to dispute them. 


These inquires below do not belong to me either XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XXXX XXXX  XXXX/XXXX  XXXX  XX/XX/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