BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-27
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Citibank informed me my account was inactivated. Mode of contacting me was via Online message sent to a messaging account that has no obvious notifications. Notification has now disappeared and is unable to be viewed. Ive asked for it to be re emailed and they state they can not so this. They said they inactivated my savings account for inactivity ( in the form of transactions ). I have been depositing money personally monthly and sometimes twice monthly for the past two years and have accumulated XXXX dollars. Because my account is inactive I am unable to withdraw money to buy a house. My options when I found out two weeks ago that my account had been inactivated was to 1. Visit a branch ( which does not exist in the entire state of Texas where I live ). 2. Send a notarized letter with my name on it and social security to a branch in XXXX XXXX Texas. I was told by multiple employees at Citibank and managers that after receiving the letter my account would be reactivated the following business day. I spent XXXX dollars notarizing and overnighting a letter on the XXXX of XXXX to the address provided by Citibank. It was received at XXXX on the XXXX of XXXX. I have called everyday since for an update. I keep getting the run around and no one can tell me anything on my account. They simply keep telling me that it will be one more day, one more day, oh actually 2 weeks. I have talked to multiple managers and employees and all have a different story. Apparently the branch that controls the processing of letters does not have a phone number and so the employees over the phone can only contact them by email to check my account. I never get an answer if their emails were ever read. I am trying to buy a house and use my savings to do it. This is ridiculous and should not be allowed.

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 2019-03-06
Company: ALLY FINANCIAL INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Ally bank has consistently reported that i have two 30 day late payments in XXXX and XXXX of 2017 which is lowering my credit score. I have tried several times to dispute this with both Ally back directly and with the credit bureaus. I have uploaded documents ( screen shots ) of my payments with the data, times, and confirmations of my payments but all of my disputes have been ignored.

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 2019-03-06
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Recently have went to apply for a loan from my bank. They told me they could not find a credit score for me from Equifax. The other two credit bureaus report fine for me. I have already checked with all of my accounts and they all report to equifax and have been reporting effectively to them. They, being Equifax, say I have no credit file and that I need to send in documentation showing who I am, for example SSN, drivers license, etc. I have faxed over everything they have requested 3 times. Yes ... .3. And still nothing has been resolved. They still tell me I have no credit file. I have requested them to create me one and they still have not done so. They continuously send the same paper in the mail telling me to mail them the same documents I have already mailed 3 times. I am getting no where with them. They either don't care, or just don't fell like taking the time to help. Again, all of my accounts have been reporting to them so this is definitely an Equifax issue. I've been a US citizen all my life and have a car loan and a credit card and I am an XXXX  XXXX  XXXX, who receives financial aid. This problem is affecting my life and needs to be resolved. I have done everything on my end. This company just won't do their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Filled out online application with marcus.com ( Goldman Sachs Group , Inc. ) for their High-yield Savings Account on/about XX/XX/2021. Received message that they " need a bit more information before we can continue the review of your application ''. 

Realized this might be due to credit freezes that I have implemented at all three major credit bureaus, so I temporarily lifted the credit freezes at the three major credit bureaus. 

Called the bank on XX/XX/2021 to complete the application process. Was denied an account, and was told that I could not be provided a reason for denial. Terminated the call. 

Performed research to find that I am due a reason for denial per the Fair Credit Reporting Act. Called the bank back on XX/XX/2021 and requested to speak to someone about the reason for denial, based on the requirement for the bank providing that information to me per the Fair Credit Reporting Act. Supervisor XXXX told me at approximately XXXX XXXX on XX/XX/2021 that their decision is not based on credit reporting, therefore they are exempt from the Fair Credit Reporting Act. They were unwilling to provide a specific reason for their denial, citing company policy as the reason. They were also unwilling to provide opportunity to provide additional information in order to better verify information provided in the application. Supervisor XXXX stated specifically that their decision is not based on information provided by credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. DEPT OF ED/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   gave me two letters of release stating the debt wasn't mine Experian and XXXX   keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX IL XXXX My name is XXXX XXXX XXXX My phone number is 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 2020-01-25
Company: U.S. Auto Sales 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 information incorrect

Complaint:
US Auto Finance has continued to report false late payments on my credit history. The vehicle was returned to US Auto in XX/XX/2019. This account was part of a bankruptcy case that was dropped and a Federal court issued a order for US AUTO to close the account. 

The last late payment shown should have been in XX/XX/2019. The company has violated the FCRA by continuing to report false and unverifiable information. 

The vehicle that US Auto is claiming to be in my possession they have. Also, US AUTO has failed to follow Georgia law and properly notify me of the sale of the vehicle. US Auto took possession of said vehicle in XX/XX/2019 and they have yet to make any changes to the balance. Nor have they notified me in writing of the sale of the vehicle. 

A late payment of 30 days is being reported for the month of XX/XX/XXXX. This is inaccurate. The payment in XX/XX/XXXX was only late by 14 days. THE FCRA clearly states that no entity shall falsify any information in a credit file. This is false information. If the XX/XX/2019 payment was only 14 days late, the month of XX/XX/2019 should not read 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: CAVALRY INVESTMENTS, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: KEYCORP
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX, KeyBank withdrew {$7000.00} from my bank account. When I noticed the withdraw they first treated the problem as fraudulent activity. However, they realized they we were the ones that actually took the money out of my bank account. The bank states this is the Right to Offset for a private student loan from 10 years ago. I had no prior knowledge of this loan, nor was I ever contacted about the loan. When I began looking into the problem and asked for documentation the bank was only able to provide me with a promissory note dated back in XXXX. I asked the bank to show proof of statements that were sent to me and they do not have any. The bank included paperwork that makes it appear that the loan was sold to XXXX XXXX XXXX XXXX and then sold back to KeyBank, When XXXX XXXX was contacted they were unable to find any information regarding the loan in collections or recovery. They stated they never had serviced the loan. KeyBank now refuses to return the {$7000.00} and is asking for another {$6000.00} to satisfy the loan. When KeyBank used the Right to Offset they made my mortgage bounce making my bank account go into the negative {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX at XXXX XXXX I contacted the corporate offices of Santander Consumer USA. I was about to pay off my vehicle but due to poor health and mismanagement accrued nearly {$1900.00} in late fees. I asked for any amount to be waived. The board of directors was gracious enough to waive {$500.00} within a few days. I called numerous times to thank them and even emailed them. I called and asked On numerous occasions during the month of XX/XX/XXXX is I had to pay the late fees and what would happen. 

All of the representatives I spoke stated that there was no regular payment required, I could pay them at a later time and that all that would happen would be is that they would keep my title until the late fees were paid. I also used the contact feature on their webpage to tell them not to charge me a late fee on a late fee. Santander was still showing that I had my regular car payment due even though I had paid all principal and interest. 

XX/XX/XXXX we received a bill for {$.00} which we paid. On XX/XX/XXXX I began to receive notices from XXXX XXXX that Santander was placing 30 day late notices on my credit report. I thought for sure it was an error because the car was paid off so I just disputed it. My credit rating dropped 70 points almost disqualifying me from a business loan I am trying to take out for a veteran owned business. A new 30 day late was posted on my credit. I called Santander and emailed and sent messages through XXXX wondering what they were doing. For days they strung me along saying they would get back to me. 

On XX/XX/XXXX at XXXX I was contacted by XXXX XXXX who began angling the conversation to the point that I was not told by the agents that I didn't have to keep paying my late fees like my regular payments ( which I was ), that it was my fault this was happening ( yes the late fees but not the hit on my credit ). XXXX brow beat me by asking the same questions over and over like the detectives I used to work with, trying to get a confession. I gave up and stated to her that I was getting a lawyer for Santander ruining my credit. 

I was sent an acceleration letter for {$0.00}. The letter stated that if I did not give them {$0.00}, they would accelerate my loan or repo my car. Now My XXXX  score dropped 124 points in one day because they closed the account unexpectedly with a balance instead on reaching out. I took the money to pay them out of my life saving so they wouldn't continue to harm my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
hi this is about inquiry on my credit repot one is capital one onXXXX/2023 the other one is capital one also on XX/XX/2023 thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-30
Company: TD BANK US HOLDING COMPANY
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: Information belongs to someone else

Complaint:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Our company XXXX XXXX XXXX XXXX XXXX located in XXXX, China, offered the market the sale of disposable masks and KN95 to combat the Covid 19 pandemic. We made a sale to Puerto Rico of 100,000 masks and our client offered to make the payment using PayPal. We do not usually proceed with these transactions, and we always prefer it to be Wire Transfer. Our client in Puerto Rico made two payments via PayPal : USD XXXX on XX/XX/XXXX and the second payment of USD XXXX dated XX/XX/XXXX. We shipped by XXXX and XXXX and the customer received all the goods. At first, our PayPal account was blocked because, according to PayPal, there was a suspicion of some irregular transaction. We submitted all the documents to verify that the negotiations are correct and regular and after several attempts for many days, PayPal released the account. Our client has repeatedly insisted with PayPal by internal PayPal message to release the money, but until today XXXX XX/XX/XXXX XXXX, PayPal has closed all kinds of communication with us. On Friday, XX/XX/XXXX, PayPal sent our client four emails indicating that their case had been resolved and that the money had already been released to the client. In two emails, PayPal states that the two cases ( claims ) that had been opened by our client, had already been resolved and that the case was closed. PayPal immediately sent two other emails stating that the payments were sent. The XXXX XXXX Bank, which was the one who granted the credit to my client through his credit card, already collected the invoices and my client already paid it. So, PayPal does not have any debit pending with my client. On Saturday, XX/XX/XXXX, we immediately contacted PayPal to confirm the emails that had been sent to my client confirming the payments, but, no notification was sent to us, and worst of all, it was that both on Saturday XX/XX/XXXX as today XX/XX/XXXX PayPal tells us by phone that it is analyzing the case and that in 02 weeks it would give us an answer. It is inconceivable, frustrating, unacceptable, shameful and a great lack of respect that PayPal has not only with its customers, but also with the companies to whom they must allocate the money. It seems that PayPal wants to retain XXXX XXXX for its own purposes and interests and with all its extreme bureaucracy and lack of attention, we do not understand how a company of this magnitude takes these actions, without even taking care of its reputation and dignity. as a company. We need going to international institutions to be able to exercise our right as an honest Chinese company and the only thing we request is that PayPal send us the money that belongs to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have attempted on several occasions to have a credit freeze lifted by Equifax. I do not recall placing a freeze, but apparently there is one, which I was informed of by a mortgage company. I have made several attempts online, as well as calling customer service to lift the freeze. Due to the huge data breach Equifax suffered and caused harm to so many, I do not trust them. I have been told by three separate representatives that I would need to fax a copy of the front and back of my license as well as my social security card in order for the freeze to be lifted. I do not trust to send this information considering when I call it seems I am reaching someone in another country and Equifax has proven they can not be trusted. I do not know what other avenues to take in regards to this matter. I have already verified all of my personal information over the phone several times with no avail. I am unsure where to turn and I don't think Equifax should be in a position to ask you to send such sensitive information to someone that honestly I don't know who is getting it and they have proven they are not to be trusted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This account had previously been disputed and removed from report. I guess another company acquired it and they were given a letter by me explaining it was removed and I again was disputing. I received a letter dated XXXX XXXX, XXXX saying they were ceasing collection. This is the second letter I received from them explaining they were ceasing collection, which I got before the XXXX of XXXX. I received my updated credit report explaining that they re-investigated and the information was said to be true. I did not receive any documents showing proof of their investigation and it is still on my credit report even though the collection agency said they were ceasing collection. My report is dated XXXX XXXX, XXXX which is after the letter from the collection agency. It should have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
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: Information belongs to someone else

Complaint:
I AM NOT LIABLE TO THE ACCOUNT BEING DISPUTED. THE ACCOUNT HAS BEEN REPORTING LATE PAYMENTS WITHOUT MY KNOWLEDGE AND I HAVE NO IDEA HOW AND WHEN THIS ACCOUNT STARTED REPORTING NEGATIVELY ON MY CREDIT REPORT. PLEASE HAVE THIS DEROGATORY MARK PERMANENTLY OFF MY CREDIT REPORT FOR IT HAS BEEN DAMAGING MY CREDIT SCORE.

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 2020-06-01
Company: CITIBANK, N.A.
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a credit balance on my Citi Double Cash card for {$7600.00} and I have been trying to have Citi Card make a bank transfer of it to my personal checking account. 
I called up Citi Card customer service on XX/XX/2020 and they said it would occur in 5-7 business days. 
The money never arrived and I called up Citi on XX/XX/2020 and was told my transfer is still waiting for approval. 
The money never arrived so I called Citi onXX/XX/2020 and was told my transfer was approved on XX/XX/2020 and it will take 3-5 business days. 
The money never arrived so I called Citi on XX/XX/2020 and spoke with XXXX who initially said my transfer was not approved, so I asked to speak with his supervisor who said my transfer was approved on XX/XX/XXXX and he will expedite the transfer and it will take 1-2 business days. 
I still have not received my {$7600.00}, and have been told multiple and differing reasons why. 
I wish to hold Citi Card accountable for my money and wish to receive it in a timely fashion.

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 2023-01-19
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
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:
This has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.SC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XX/XX/2023 {$910.00}

Company response to consumer: Closed with explanation