BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-22
Company: ALLY FINANCIAL INC.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
For over a week I have been unable to access my account online. This appears to be a widespread issue with Ally. This online-only institution apparently can't manage to keep a website functional. 

Clearing cookies and browsing incognito didn't work for both XXXX and XXXX XXXX, which together make up about 70 % of internet users per statcounter.com. For the past week I receive the following error when attempting to access my account : " An error occurred while processing your request. 
Reference # XXXX '' I contacted Ally a week ago, and again today, and they have no solution or promised fix. I was able to access the account by downloading XXXX and the page properly loaded. XXXX users make up 4 % of the internet market, so this doesn't bode well for the public 's ability to access their accounts for at least a week. 

This is wholly unacceptable for a financial institution whose only means of access is online.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
yes XXXX XXXX XXXX collecting off XXXX XXXX after 10 years of this bill she got {$660.00} still balance {$1700.00} pay for court ssi taxes XXXX michigan takeing it from XXXX leaveing her with {$0.00} amount. steeling XXXX XXXX   yearsold women.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: Exeter Finance Corp.
State: IA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The company? its you, you do all the reporting correct on credit reports well its you that made the mistakes I do not think its fair that i raised XXXX daughters by myself and i am still working 45 60 hours a week and for the first time i might stand a chance at XXXX buying my first home its a dream i have had for years. so i finally started to look at what is important and its my credit score and i want to fullfill this dream. Whenever i was late or couldn ; t pay something you make sure you waisted no time putting it on my credit report but gee when i finally work hard and do something good you do n't put that on there why is that not fair at all. 

exter finance says i still owe XXXX on all my reports it is paid i owe nothing XXXX XXXX credit card states i owe XXXX wrong its paid owe XXXX XXXX XXXX i owe nothing XXXX states i own XXXX wrong i owe XXXX so my credit used is not XXXX percent adn my available credit is not XXXX its higher new accounts is lpi personal unsecured loan XXXX no late payments XXXX XXXX paid XXXX XXXX XXXX pd XXXX XXXX XXXX pd XXXX still there and aes still there all those inquireies XXXX XXXX XXXX   XXXX XXXX XXXX i didnt do those i am trying to build my credit to get my own house not ruin it i did not do those i work with XXXX XXXX are they real or am i throwing my money away? please update asap i am waiting on you to have my dream. please its most important day for me to see my score go up and to get a house ... please

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: NAVY FEDERAL CREDIT UNION
State: DC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Hello CFPB This is a follow-up from your last message to me on XX/XX/XXXX complaint ID XXXX. Navy Federal has yet to contact me and settle this issue. I paid the fee to XXXX because Navy Federal will not reply to me nor refund me my money of {$25.00}. Now this entire issue has caused anothe problem with the fee I paid to XXXX. XXXX can not figure out what happened to the fee I paid on XX/XX/27 which covered Navy Federal 's check with no money value on it. Again I was not aware there was no money value on the check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I sent a letter to remove this personal information that XXXX to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove this personal information not later than 4 business days. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Date Updated : XX/XX/2019

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX County, TX and XXXX County, TX placing inaccurate and old data into current clean records via XXXX, Equifax or some unknown reporting agency. Many of the transactions have been verified by attorneys via lawsuits to be invalid or not filed claims. Records were clean prior to recent intervention by unauthorized credit pre-screens being issued by recruiting agencies and other types of businesses which were not employing or in the business of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: Experian Information Solutions Inc.
State: MO
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 is a credit reporting outlet that get it information from credit reporting agencies XXXX, XXXX and experian. The problem is they are reporting incorrect information about my credit from these agencies. They have that I owe {$5700.00} from XXXX XXXX XXXX and that I owe {$250.00} to XXXX XXXX XXXX. 

I owe XXXX XXXX XXXX and XXXX XXXX Nothing. My credit report should show both these accounts with a XXXX Balance Owed. 

I want an Investigation as to why XXXX XXXX keep reporting incorrect information. 

Waiting to hear from you. 

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 2018-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 is a credit reporting outlet that get it information from credit reporting agencies transunion, XXXX and XXXX. The problem is they are reporting incorrect information about my credit from these agencies. They have that I owe {$5700.00} from XXXX XXXX XXXX and that I owe {$250.00} to XXXX XXXX XXXX. 

I owe XXXX XXXX XXXX and XXXX XXXX Nothing. My credit report should show both these accounts with a XXXX Balance Owed. 

I want an Investigation as to why XXXX XXXX keep reporting incorrect information. 

Waiting to hear from you. 

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 2019-07-06
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
When travelling in XXXX XXXX, on XX/XX/XXXX I was forced to leave my US Bank debit card behind in an ATM machine, because I was surrounded by a hostile group of locals who made me feel very uncomfortable. They first conned me into believing that I was supposed to use my card to get a local pass, and then when the card would not be returned be the ATM machine started pressing me into using another card, shouting, made me worry about my personal safety, so I decided to leave the card in the machine and to contact US Bank. 

I walked away from the ATM machine into a hotel lobby nearby, which was a safe place, and immediately contacted US Bank on the phone. By the time I managed to get through to US Bank Security ( waiting on hold, authenticating, etc ) there were three cash withdrawals posted on my account, for {$210.00}, {$360.00}, and {$140.00} This is absolutely preposterous beause : ( a ) I never informed US Bank about my travel plans ; ( b ) I have not withdrawn money from my account abroad in at least ten years, so there is no pattern of me using the card from abroad ; ( c ) how would the US BAnk allow all three transactions to go through, should not there be a reasonable daily withdrawal limit?

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 2018-12-04
Company: Experian Information Solutions Inc.
State: NY
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:
Experian is repeatedly falsely verifying unauthenticated inquiries on my credit file. I have not received a firm offer of credit for any company to be listed as a hard inquiry on my credit file nor did they have a permissible purpose. I have opted out of prescreened offers of credit from lenders who use the credit bureaus years ago.

Upon information and belief, no one from Experian has taken accountability for my credit disputes, therefore no one from Experian can testify in court against me.

Is it going to take millions of Americans to start submitting certified/notarized/sworn Affidavits of dispute, that would be filed with massive Federal Class Action complaints, to get Experian to adhere to the law? Clearly, Experian does not complete reasonable dispute investigations for consumers. From my personal experience, Experian conducts investigations based on hearsay, which should cost them billions in Fair Credit Reporting Act violation fines and punitive damages.

I have been advised to provide Experian and the CFPB with this Affidavit included in this complaint and wait for a response from Experian. This CFPB complaint, all responses, both prior and present, documents, this Affidavit and possibly the Affidavits of others will be submitted to a consumer attorney in the event I become the lead Plaintiff in a Class Action suit against Experian to claim damages for myself as well as millions of Americans who have been affected by Experians FCRA violations.

PLEASE SEE THE ATTACHED AFFIDAVIT OF DISPUTE REGARDING MY CREDIT FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: Coinbase, Inc.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
For a month now I have been trying to withdraw my money from my account and it will not let me. It gives the error Im trying to close to many accounts. I only have one account. You have XXXX of my money that I need to pay my mortgage and other bills. I have emailed you over 30 times, called ( your customer service is not helpful at all ) put on XXXX  and XXXX. I need results I need my money out back in my XXXX XXXX  account. My email is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: EQUIFAX, INC.
State: IL
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:
While reviewing my credit report I have noticed several accounts opened that don't belong to me. I haven't applied for theses accounts. There are variation of my name and address that I've never lived at on my report. 
XXXX XXXX XXXX Reference Number XXXX Dept Of Ed/XXXX   DEPT OF ED/XXXX  Consumer XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-06
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX and XXXX XXXX received a positive result on one trade line. Equifax did nothing wrong, it's just that the person that updated credit for XXXX XXXX XXXX XXXX made the necessary correction on a very old credit trade line, and they did not complete the same result for Equifax. The trade line was paid off several years ago. The account was never late, yet the account is still posted on my Equifax report as 30-59 Days Past Due. This is causing me great problems on my credit scores with Equifax. I submitted a hard copy dispute several months ago, and XXXX XXXX XXXX XXXX corrected the account with two out of three credit bureaus. I respectfully request Equifax to complete another reinvestigation where XXXX XXXX XXXX XXXX responds back accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Experian Information Solutions Inc.
State: TN
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:
am writing this due to non compliance with CRA Experian. They have failed to remove information that has been identified as identity theft. I have attached supporting documents, ie police reports, identity theft reports, and proof of identity all sent certified mail. I spoke with XXXX and XXXX on XX/XX/2020. I strongly believe that they are in violation and are outright refusing to uphold the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: Experian Information Solutions Inc.
State: DE
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:
I was shocked when I reviewed my credit report and found late payment. I am not sure what happen but I believe I had made my payments when receiving my statements if they were not deferred. The accounts show incorrect late payments for the entire year of 2016 from XXXX to XXXX which are incorrect.

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 2020-08-02
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
OnXX/XX/XXXX I called Navient to pay off my remaining balance in full to close my account which was {$16000.00}. I found out on XX/XX/XXXX that they allocated {$3900.00} towards my Navient account, not closing my account. They used {$12000.00}. XXXX toward my XXXX account which was not authorized. I contacted XXXX XXXX XXXX fraud department.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: Square Inc
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX an unauthorized payment for {$3000.00} was made from My cash app account to another unknown cash app account. I immediately reported as fraudulent to cash app as well as reporting an incident that happened 5 days before where I received notice that My pin requirement setting was turned off. I did not do this and when I checked app settings it was not turned off but to be safe I changed My pin thru the app and toggled setting off then immediately back on. I submitted to them the supporting documentation as well. The actions and treatment from support is blatantly avoiding resolution to the point I suspect to perpetuate the internal fraud committed when the money was stolen from my account. My account was completely secure on my side so why is cash app is unwilling to prove the promise of encryption was fulfilled on their side?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
Purchased : Tue, XX/XX/XXXX Posted : Thu, XX/XX/XXXX Services I never received I would like to be refunded. I never received services. They rebilled me for services stating they refunded me and XXXX   rebilled me. The said they never rebilled. Im seeking a full refund and any fees associated

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: Penn Credit Corporation
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this debt. 
I'm requesting for a full debt validation of this debt or delete the negative report off my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
DiscoverCard Payment Protection Plan. I was unaware that I was enrolled in this and did not give my consent. I did some research into what the charge was for and found that I had been charged this fee since XXXX. Until I looked into it further I thought it was a regular fee and was not aware that I had to give my permission to be enrolled in the plan. I also saw online that there was a class action lawsuit regarding this problem in XXXX. I am wondering what my rights are as a person who has not had resolution to this yet. I did speak with Discover to cancel the Plan. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: EQUIFAX, INC.
State: DE
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:
I was shocked when I reviewed my credit report and found late payment. I am not sure what happen but I believe I had made my payments when receiving my statements if they were not deferred. The accounts show incorrect late payments for the entire year of 2016 from XXXX to XXXX which are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
On XXXX XXXX, 2020 I made a cash advance transaction at a local ATM from a list recommended by Citibank. The amount posted to my credit card account that same day. In addition, Citibank put the same charge in the pending charges, along with a {$15.00} ATM fee. So now I have a {$300.00} charge posted for the advance, and another {$300.00} charge in pending, reducing my available credit by {$600.00} ( instead of the expected {$300.00} ). All attempts to resolve through customer service, both chat and telephone call, resulted in being told I would have to wait until the pending charge posted. It was already posted. They said it could take 30 days or more for the charge to " roll off '' depending on the merchant. They are the merchant.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 a victim of identity theft the information which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. TRANS UNION deleted the account and then placed it back on ). TRANS UNION has failed to remove block and deleted information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the 605b, 609, 611 ( a ) ( 5 ) ( B ) and are outright refusing to uphold the law.

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