BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-26
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
The bank is scrambling my accounts. On XXXX XXXX I had a {$68.00} overdraft. I deposited {$88.00} to cover it so I wouldnt accure any fees. After this deposit I had a balance of + {$19.00}. On XXXX XXXX my account showed {$180.00} overdrawn. Some items that had been paid on the XXXX ( XXXX   XXXX XXXX {$99.00}, XXXX XXXX {$58.00}, XXXX {$17.00} and XXXX {$16.00} ) were now pending with overdraft fees attached to them and new charges ( XXXX {$10.00}, XXXX {$35.00} ) which came on the XXXX were paid. Even the dates all had been changed to the XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-16
Company: ALLY FINANCIAL INC.
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is in regard to Ally Bank. 

My partner and I moved back from XXXX, XXXX to the US ( Friday XX/XX/2023 ) and we were looking for a home to rent. We found one and signed the contract ( Friday XX/XX/2023 ), which required us to wire funds to the listing agent 's company ( first months rent of {$4100.00} ) and the new landlord ( security deposit {$4100.00}, last months rent of {$4100.00}, and a pet deposit of {$1500.00} for a total of {$9800.00} ) within two business days. We then initiated the wire from our Ally savings account early that afternoon ( between XXXXXXXX XXXX and XXXXXXXX XXXX ) Ally allowed the first wire but then denied the second. Ally sent me an email to " Call [ them ] to verify some information. '' I called Ally, verified everything they asked ( SS #, name, phone number, both security questions ), and then they said the account was under review and they locked us out of our only savings account. I asked to speak with a supervisor to explain the situation further and said I could send over anything they needed to verify I am who I am ( e.g., video of myself + SS card, driver 's license, passport, contract of new lease, etc. ) Ally said none of that mattered and there was no way they could unlock my account as the process was now going through its motions which would take weeks, but said I can leave a message for the supervisor to call me back within 24-48 hours ( XXXX ). I called again after 40 hours ( Sunday XX/XX/2023 ), asking if I was to receive a call back and the women I spoke to said it's unlikely as supervisors don't work weekends (? ). I informed Ally of the urgency of this request and how us having a place to live was at stake- they said that didn't matter. 

We have been treated in such a cold and un-empathetic manner. Every time I speak with a representative their top concern comes across as getting me off the phone. This bank has verified all of our information and they are more concerned with protecting themselves from a potential < $ XXXX fraudulent wire ( which it isn't ) than having their 4+ yr member go without a home. In our most stressful moments, Ally Bank has proven their unwillingness to look after their customer.

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 2018-03-09
Company: EQUIFAX, INC.
State: CO
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 used to have a XXXX XXXX secured card that I deactivated but when I go on to see my credit score on independent websites, it shows that I have a XXXX XXXX credit card since XX/XX/2016 when I have never used any XXXX XXXX card. I filed a complaint with XXXX already and it has been solved but I have a problem Equifax because I don't want that on my credit score. That is my problem and I hope you could help me with that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: AMERICAN EXPRESS COMPANY
State: NC
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:
I made an electronic payment of {$1100.00} to pay off my credit card balance to American express but the credit card company keeps sending me unrelated emails giving maiiling address and sending checks but are not checking the electronic payment made to them even after I furnished them with the transaction trace ID from the XXXX XXXX ( XXXX or XXXX digit number ) and continue to insist that I send them the details of check. 

They want me not to pay off so that I can keep paying interest. 

This is unfair practice and American Expressed must be banned doing business in credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: Experian Information Solutions Inc.
State: AL
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:
According with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-28
Company: WorldRemit Corp.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I send money yo XXXX to my self and i never got the money but the bank say that i collect the money when is not true i use a company name worldremilty to send the money and the bank where i was send the money say that i collect the money but is not true because they say the money was collet at XXXX XXXX of XX/XX/2023 when is not true because the transantion was a XXXX is note posible because at that time the transantion it was not made yet that proof that the receit is not real. With these i give the right to consumerfinance to do what they need to do to get my money back thank XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-08
Company: EQUIFAX, 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: Account status incorrect

Complaint:
In 2020 at the height of the pandemic. XXXX did Not apply funds that I paid during the pandemic. I have tried to dispute it and get the 5 months non payment off my report as it is inaccurate. Instead they transferred my loan without my consent and left the incorrect information on my credit plus new additional months not paid which is incorrect information by XXXX and showing on this report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I'm happy to used Paypal with my online transactions as a it is where my clients send their payments. I'm doing short intro, video teaser or video promotions for my clients.. But suddenly they limited my Paypal account and they email me that I can no longer used Paypal because they noticed some activity in my account thats inconsistent with their User Agreement. Without specifically mentioning what user agreement I violated. They limited my account. Email is the only way for me to reach them but I dont received any reply from them. I was saddened with this because this is where my clients send their payment and it's affecting my business. I loved using Paypal. Hoping that they reconsider.. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Company did finally response and part of the response claims " Please be advised our records reflect the official bank check was provided free of charge. '' Unfortunately this is NOT true. We were charged an {$8.00} processing fee by XXXX XXXX bank employees. We paid in cash and received no receipt for the {$8.00} fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 recently submitted a request for an investigation of the disputed account, which you claimed was verified. Since I believed you didnt properly investigate my dispute, I contacted the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update the following account from my file. XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$210.00} and XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3900.00}

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 2020-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding item that is listed on my consumer credit report : Accounts Receivable Account # XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

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 2023-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
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:
Back in XXXX of 2022, I joined the XXXX in when I did I closed all my credit cards when I closed my capital one card they told me that I would not have to pay off a balance so I was good but when I was done with all my training I came home to a XXXX XXXX dollar payment I have called them but they just keep telling me they are sorry one of their workers told me that but I still have to make the payment I have been paying it but think it is unfair that I have to pay it when one of the workers gave me the wrong information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-15
Company: Experian Information Solutions Inc.
State: LA
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:
My current address, employer, and name are wrong and showing multiple names and address on my credit reports. Have tried to remove them but no change.

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 2021-07-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Equifax is violating FCRA regulations by reporting fraudulent information on my credit. As per their request, I have sent them police reports, court documents & FTC affidavits documenting bonafide ID Theft/ Fraud however they have failed to remove 5 accounts on my credit report which has lowered my credit score by over 200 points. 

Today I talked with a supervisor who said that all he could do was file another dispute even though Equifax has already disputed the information several times. Disputing is pointless because it is fraud so the original creditor is validating fraudulent information. More importantly, the original creditors can not provide proper validation that is required by federal and Texas state law. The original creditors, due to fraud, can not provide me or Equifax with any original credit application or signed loan contract with my signature displaying that I borrowed money or applied to borrow from them which is a strict violation of FCRA. 

As per federal and state law credit reporting agencies must remove any information from a consumer credit report that can not be properly validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have been trying to close my Savings Money Market account for almost three weeks. There were pending transactions. I had to call Capital One Bank 4 times, every three days to close my account. 

After two weeks of request to close my account, the account was finally closed and a final check was cut for the balance remaining in the account ( {$50000.00} ). 

I patiently waited for the check to arrive, deposited the check into my personal savings account in another institution, and waited for seven days for the check to clear. 

Today, XX/XX/2018, I received notification that the final check issued by Capital One Bank was denied/rejected by Capital One for no reason. 

I immediately called and spoke to a manager in the customer service department and was not provided a reason or an explanation for Capital One Banks actions. I was not provided with an expected date of resolution. I was not provided with any options for resolution. 

In the meantime, I do not have access to over {$50000.00} of my money, am loosing potential interest my money can be earning, owe {$34.00} for a return check and {$34.00} for insufficient funds in my account. 

All this negative impact has occurred to no fault of my own, but Capital One Bank. 

I still do not have a resolution and would be greatful for any help your organization can provide.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-07
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
To whom it may concern, Upon reviewing my credit reports, I noticed that there may be some violations per the Fair Credit Reporting Act. I noticed with the credit collections account number XXXX on XXXX the date opened states XXXX and for Experian it reports open date as XXXX. The other account with the same creditor account number XXXX states that there is a balance of {$700.00} owed on this account but there is another account under the same exact name and amount owed account number XXXX states this account was opened XXXX. Neither of these accounts am I familiar with. There are two other accounts that I am not familiar with until I currently reviewed my credit reports. One account is XXXX XXXX ( XXXX XXXX XXXX account number XXXX along with XXXX XXXX XXXX XXXX XXXX XXXX ) account number XXXX. I also noticed with this account that there are inconsistencies in the balances on Experian the balance reflect as {$760.00} while on XXXX the balance reports as {$760.00}. Please remove these unfamiliar accounts that is possible fraud accounts. 

I also noticed that there are an enormous amount of inquiries on my reports that have not been requested by myself. I am asking that these request for credit inquiries please be removed. These inquiries include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Thanks again please do a detail investigation of these accounts and remove as soon as possible because they are having a negative effect of the scores reporting on all three credit bureau.

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 2023-04-15
Company: Experian Information Solutions Inc.
State: IN
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 explanation
Consumer complaint received 2020-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have completed every step on the FTC 's website for the Recovery Steps for Identity Theft Victim of which I am but still TransUnion does not follow federal guidelines! applicable to deployed soldiers & victims of identity theft. which is, once the paperwork with cover letter asking the company to remove the derogatory accounts because they were NOT USED BY ME. I called TransUnion again today, Tuesday, XX/XX/XXXX ( I have been working on this since XX/XX/XXXX ) asking to remove derogatory from my report! 
The companies, although they know it was not me making the purchases must be asked if they will permit being removed (? ) from the derogatory on my report.?! I was not asked if I wanted to be a victim ... & I already disputed the companies over ten ( 10 ) times!?

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 2018-01-21
Company: Coastal Credit, LLC
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Owed 4000 on a car loan had horrible family issues they refused to work with me I begged for more time due to my sitiuation they refused demanded I pay them or they would destroy my credit they took my car and resold it for triple the amount owed but they still call and harass me and my family even call my job and friends the company name is coastal credit

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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