BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Since 2019 I have called repeatedly to close my account with XXXX  XXXX and they refuse to stop drafting my account. ( 15 USC 1692f ) says this is a violation. 

Also there is a civil Liabialty ( remedy ) ( 15 USC 1692k ) Where there is in fact a remedy for my losses wages. 

SCRA Civil relief act says. That I am able to terminate any and all contracts due to me being a service member. 

After numerous attempts to communicate with my bank as well as XXXX  XXXX. I was advised by a military Jag Officer to file a complain here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Santander Consumer USA Holdings Inc.
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 status incorrect

Complaint:
Since XX/XX/2019 I have made consistent current payments to Santander consumer USA on an original open current account with the vehicle still in my possession. The account has not been sold to any debt collection agency however my credit reports are showing the account is charged off and closed. Although the account became delinquent in XXXX due to XXXX and as a result, a change in income, I have since as previously stated overcome the financial/medical hardship and continue to make on time payments that are not being reflected as positive monthly payments but showing a reduction in principle amount on what appears to be a closed account where its giving the impression that the car may not be in my possession or is appearing to be in a repo status. I would like the current status of my account which is open, as seen and confirmed in Santanders system by several representatives to be reflected, as opposed to the delinquent status being reported to the credit bureaus. I do understand that a company has right to charge off an account due to delinquency so I am not requesting necessarily the removal of the charge off just that the current status of account is shown accurately. I have documentation showing history of payments and a hard copy bill statement stating account is current. I have enlisted the help of XXXX law to assist in this matter however I am in dire need to have this expedited and corrected because my credit score is severely being impacted

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Paypal has single-handedly transferred from my personal wallet, unauthorized, and no advance notice for the business income I perceived. I have provided receipts of delivery and refunds for customers who did not receive their products due to delay during the earlier congested logistic delay due to Covid. Paypal reasons are always that they can't provide more information other than the fact that they think I have violated their " Acceptable Use Policy '', and that they can fine me for that and it is final, non-disputable. I couldn't even know which policy was violated as I have been diligently following their terms and giving my best for my customers. Below is the effort that I have tried to negotiate with PayPal. 1. Due to the Early covid response, USPS, our logistic provider was closed down for a few weeks, causing the backlog in delivery. 2. We have provided refunds for both customers who did not receive the item ( and open a dispute ) and those who were late receiving the items. 3. We have evidenced and USPS tracking number that our items delivered to the customers. 4. Paypal took control of my account and transfer all the money I have I have in my virtual wallet, which amounted to {$10000.00}. I believe this is illegal and a breach of Privacy since they access my personal account and control it according to their whims. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Hello, since I've signed up with JP Morgan Chase bank. They've been charging my account a {$34.00} fee when my account reaches a negative balance. I have looked at my bank statements from XXXX till now. I called to see if I can get that waived and they said NO, They've only allowed you three reversals a year. which I find unfair. How can you charge me for my account being negative even after money gets deposited into my account to keep it in good standing. I've went over my bank statements and wrote down the months and years I was charged {$34.00} after my account went low as XXXX. I do have bank statements that shows this information as well. 

Year XXXX XXXX {$100.00} XXXX {$34.00} XXXX {$130.00} XXXX {$34.00} XXXX {$68.00} XXXX {$34.00} Year XXXX XXXX {$100.00} XXXX XXXX {$68.00} XXXX {$100.00} XXXX {$100.00} XXXX {$34.00} XXXX {$100.00} XXXX {$270.00} XXXX {$34.00} Year XXXX XXXX {$100.00} XXXX XXXX XXXX {$34.00} XXXX {$340.00} XXXX {$34.00} That's money I could've use on my own businesses.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-04
Company: Experian Information Solutions Inc.
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:
I told experain several time that negitive accounts with XXXXXXXX XXXX are not mine. Experian supposed to block these three accounts from showing on my account due to fraud. I summited police report to them my name is XXXX XXXX my social security 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 2020-05-28
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
After reviewing my Experian credit report today XX/XX/XXXX XXXX though XXXX XXXX XXXX I've notice that ( Experian ) is the only credit reporting agency reporting an I accurate and inconsistent account under the Account name : XXXX XXXX XXXX XXXXXXXX . 

This account currently does not reports on XXXX  annual credit report or XXXX  annual credit report. It is my belief that Experian is continuously reporting this account to intentionally damage my credit profile & credit score a violation of FCRA rules section 1681. 

Account : XXXX XXXX XXXX  XXXX : Doesn't report last date of payment a violation of FCRA rules section 1681 : Doesn't report last date of activity, a violation of FCRA rules section 1681 : Experian continuously reports that account has been verified while still reporting multiple inaccuracies and violations under federal 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 2018-05-13
Company: ALLY FINANCIAL INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
During the month of XX/XX/XXXX, I purchased a car though XXXX XXXX I looked at 2 other dealers but did not buy from them. At XXXX XXXX I selected XXXX  to finance my car purchase. My credit now shows of 30 inquires over the past 30 days. Often 3 or 4 times by the same banks on the same days. I have posted them below. I have contacted XXXX XXXX. The offered no help. They said they have no control over what banks inquire about my credit or when. I also called each bank. They all said they would have some call me back or assist. None of them have. For example, I spoke with ALLY 14 times. Each time they promised that someone would help or call me back. Please help.

XXXX  XXXX XXXX  ALLY FINAN I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX ALLY FINAN I XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ALLY FINAN I XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX ALLY FINAN I XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXALLY FINAN I XX/XX/XXXX ALLY FINAN I XX/XX/XXXX ALLY FINAN I XX/XX/XXXX XXXX XXXX XX/XX/XXXX ALLY FINAN I XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX ALLY FINAN I XX/XX/XXXX XXXX XX/XX/XXXX ALLY FINAN I XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/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 2020-07-08
Company: ALLY FINANCIAL INC.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have exhausted all options on trying to reach someone regarding an extremely heart breaking closure of both my checking ( ending in XXXX ) and savings account ( ending in XXXX ) on XX/XX/XXXX XXXX.I am a single mother in the middle of the pandemic only receiving social security and child support as consistent deposits. I have been a loyal Ally customer for years and not sure why I have been blindsided with this decision. I haven't violated any policies as I was told when speaking to several representatives, however both my checking and savings are closed as well as me being told I can't apply for another account with Ally because they severed their banking relationship with me. 

I don't work, have no car and 2 young children. I have been saving that money for a while to get us a home. my CD account with Ally seems to still be open so I am confused as how it's okay to continue to keep my CD in place but sever the relationship with me regarding my checking and savings account. Being on XXXX, all of my bills are paid directly through this account. 

The only notice I was given was an email minutes before it was already closed anyway instead of being able to communicate and figure out if there was a real reason why I am not able to no longer bank with Ally. I do not own any businesses nor do I make any business transactions other than actually buying from and purchasing items as any normal mom would. 

I am not able to access my money for weeks including using the ATM as I was told an entire check for the amount that was left which is totaling more than {$11000.00} was already sent out originally on XX/XX/2020 ( but wasn't actually reported to have been mailed until XX/XX/2020 ) As it was also the Independence Day holiday weekend, I was not be able to cash or use the money from my account while being in a pandemic with my children. I have been saving for so long to get us a house someday. 

I have contacted several representatives from Ally bank who have tired to investigate an actual reason for my account closures and they, as well as supervisors, have stated there is actually no real reason given and no violations I have made. I decided to apply again to open up a checking and savings account with Ally on XX/XX/2020 and was approved for both! Immediately I was told the next day, XX/XX/2020 when inquiring about when my new debit card would arrive, that I am not allowed to be issued a card and that this NEW savings and checking account may be closed as well! This has been a nightmare and I need help for what has happened 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 2018-09-28
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am reporting a complaint for Experian I asked him to please verify the 14 inquiries on my credit report that I do not recall. They never respond to me they're giving me a hard time here under Section 609 under the statue of limitation of fcra if they can't verify with my signature and must be removed. This is a violation under fcra that if they do not respond to any of my letters or orders and follow fcra policy it is {$1000.00} violation I am asking for this to be removed it doesn't belong 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 2023-01-03
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX XXXX XXXX has tried to contact my mother and my daughter and have stated if the debt isn't paid that my credit would be damaged and they would send a summons for my arrest. And they pulled money from My account without authorization. All these actions started XX/XX/XXXX, and are still continuing today. XX/XX/23

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 2021-02-03
Company: Experian Information Solutions Inc.
State: NH
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 been trying for over 3 years to get XXXX, XXXX, and Experience, to remove a collection account that has been closed they refuse to close it and continue to leave them on my report everytime I disputed an item after the dispute is done my score goes down as much as 22 points

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 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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

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 2021-06-05
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2021 I was alerted by XXXX  that a new collection had posted to my credit report. I have never received any correspondence at the address where I live, nor any phone calls regarding any businesses with this company named " Enhanced Recovery Company '', and do not recognize any of the information associated with collection account. This is a violation of the FDCPA. 

I have requested that the company validate the account associated with the alleged debt and remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Equifax failed to properly investigate these unauthorized used of my credit report by way of hard inquiries by companies. A dispute was submitted and was falsely stated to be investigated in less than a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
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: Public record information inaccurate

Complaint:
There is a CH XXXX bankruptcy reported on my account filed on XX/XX/2014 is still on my report. I have requested The credit bureaus remove the Ch XXXX Bankruptcy as it is more than seven years and it is a XXXX. The files have been removed by the credit bureaus Then the CH XXXX derogatory reports have returned. I live in the State of Florida, the requirement is seven years the reports will be removed from date of filing. Also, I would like to add that every debt on the agreement with the debtor, BK judge and I have been resolved and has been satisfied in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: TimeMark Solutions, Inc
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Timemark solutions contacted me repeatedly and aggressively. They claimed they worked for the federal government and told me that I would have to pay fees to enter loan consolidation and income based repayment. They charged me 3 fees of XXXX and did not file the appropriate paperwork to enter into loan consolidation. They refused to offer any assistance after the fees were paid. Their agents and website were misleading and predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: CITIBANK, N.A.
State: CA
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:
Unfortunately, I have moved three times in the last 10 months, after my husband filed for divorce. I hate airing my dirty laundry, and being the one with the sob story, but here it goes ; again. I tried explaining this to Citi card, after not receiving my bill for months. I had my mail forwarded with USPS ( multiple times ). Understandably, a few of my bills have been lost and/or never received. This applies to my Citi card. Let me also add, I am no longer even possession of this card. It wasn't stolen, but I cut it up and threw it away a long time ago. The only reason I was ever made aware of this default account is getting an email from XXXX. I have received ZERO phone calls/voicemails advising me of my overdue/late payment. I now have hundreds of dollars in late fees with Citi. I made a minimum payment ( {$300.00} ) today, the same day I received notification from XXXX, over the phone with Citi. I asked the customer service representative if she could remove the previous late fees, due to unfortunate hardship and my bills being lost in the mail. She was able to remove one. ONE. I have incurred a monthly late fee of {$25.00} since XX/XX/2018. In late fees alone, that is {$150.00}. That doesn't include the interest rate that these late fees have incurred. I offered to pay off my entire account ( {$950.00} ) in-lieu of getting the late fees removed. The answer was no. I requested to speak with a supervisor, explained my pathetic situation again, and was again told no. How is it right that I am being punished for something ( the mail ) out of my control. I did what I thought was right by having my address changed with USPS. I called immediately once I was notified of my default account and made a payment over the phone. Do we not have any forgiveness for people that are going through a hard time? I can't afford these late fees. I can't afford the interest that has been incurred in addition to these late fees. I'm a single mother with a XXXX year old boy. A XXXX year old boy that has had to move three times in the last 10 months. I haven't used that card in years ; the card was originally an XXXX with XXXX. Citi Card is a multi-million dollar enterprise. My measly {$950.00} balance will get paid, by me. Do what is right and remove the {$150.00} late fees.

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 2020-12-16
Company: Experian Information Solutions Inc.
State: OH
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 am requesting a CREDIT BLOCK on my file from all 3 bureaus and including the supplemental credit reporting agencies. I would like to request a security freeze placed on my report and request a PIN Code. I choose to opt-out of your disclosing future information until further notice including inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply.

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 2020-01-26
Company: Experian Information Solutions Inc.
State: NJ
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:
the last 3 months a XXXX account is on my credit file that i don't know about. i need proof of it or removal of the XXXX account. 

incorrect addresses and inquiries

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