BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-04
Company: ALLY FINANCIAL INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Hello, I have a car loan with Ally Financial for my car loan, In the time that I have had the car which is a total of 15 months, if I am a day late with the payment I receive multiple phone calls a day and messages threatening for payment, I fell behind on my payments due to financial issues and called Ally on XX/XX/XXXX to discuss options on how to work out a payment arrangement and was told my vehicle was on a re-procession list and could be taken within the next few days. I took what money I had and with speaking to the customer service agent was told I could be put on a program to take 2 payments I was behind with and place them on the end of the loan and I could start making monthly payments without issues. I received the paperwork to be signed 8 days later in the mail and sent it back thinking all was fine like promised. On XX/XX/XXXX my roommate opens our door to our home to find a woman on the property taking pictures of the house, mailbox and my Vehicle a XXXX XXXX XXXX. She Said she was from Ally and was looking for myself and my roommate mentioned I was not home which was true. This woman did not belong on the property, nor asking questions or stating the matter of which she was looking for me to my roommate. It is against the Law and It needs to be said. I am very upset about this matter because I have done what is asked of me and I am still being harassed by a company that messed up their paperwork on their part not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: CITIBANK, N.A.
State: MI
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:
At the end of XX/XX/2020, I signed up for auto-pay with CITI-card at the same time as I did successfully the same day for another credit card and for a couple of additional recurring expenses. 

The following sequence of events then occurred : 1. XX/XX/2020 - I received an email from CITI stating my balance and nothing more. I thought great, it will come out through auto-pay 2. XX/XX/2020 I received a CITI email indicating that as of XX/XX/2020 my bill was past due. I have no idea why they didn't inform me on that day. I was charged a late fee and interest. 

3. XX/XX/2020 I did an electronic fund transfer to pay the bill in full. I called CITI to see why it had not been taken out automatically. They informed me that I had only signed up to pay electronically but not for auto-pay as I thought. I had done arranged auto-pay successfully for XXXX XXXX and 3 other companies on the same day. Apparently I wasn't capable of figuring the process on the CITI website. CITI waived the interest but not the late fee. 

XX/XX/2020 I received another CITI email indicating that my bill was past due ( even though it had been paid of the day before ). I called CITI and was informed that my bill was not paid off and that I could have found this out by checking my account by phone or going on line. I was told not to worry about it. 

XX/XX/2020 I received another CITI email indicating that my bill was past due ( I checked online and it wasn't past due ). I called CITI again and they said that I was paid up and not to worry about it. 

XX/XX/2020 I received a second email. this one indicated that " Your Account Will Remain Open ''. I didn't even know that there was a question of my account being closed. 

XX/XX/2020 I received another CITI email early in the AM indicating the bill was past due. I checked online and it wasn't. I called CitI again and was again told not to worry about it. I asked to speak with a supervisor and have heard nothing further. 

I have no way to know if these CITI emails represent planned harassment to discourage people form being late for payments or incompetent account management by CITI. Neither option puts CITI in a good light. I also have no way to know if someone has stolen my identity and has a CITI account with my name that is unpaid. 

In short, CITI has been of no help in clearing this up.

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 2017-10-04
Company: EQUIFAX, INC.
State: CT
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 CHECKED MY CREDIT REPORTS AND I HAVE LOTS OF MISSPELLED NAMES AND ADDRESSES SHOWING. I HAVE ATTACHED MY DRIVER LICENSE FOR PROOF OF THE SPELLING OF MY NAME AND ALSO A COPY OF MY REPORT SHOWING THE WRONG NAME SPELLING ALSO MY ADDRESS IS ON MY LICENSE THIS IS THE ONLY ADDRESS I HAVE LIVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I 've made a wire transfer with the amount of {$35000.00} XXXX from my bank account to a cryptocurrency exchange XXXX and my deposit was not posted on their website or returned to my bank account as promised. I made the transfer on the XXXX of XXXX XXXX. They said it would take XXXX business day on their website for the deposit to be posted. XXXX days later I opened a support ticket on their website since the deposit have n't posted yet, after XXXX  days they email me back with an general reply that my deposit would either be posted in XXXX business days or will be return within XXXX business days to my originated bank account if there is a problem. Since it 's the XXXX of XXXX XXXX, XXXX business days without any reply from them. Please help me out since I ca n't even reach anyone on their support team both by phone or by email. 
Transfer amount : {$35000.00} Wire tracking Number : XXXX My email : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX, I disputed an account with Transunion and XXXX  reported by XXXX XXXX XXXX for a balance with XXXX in the amount of {$1200.00}. 

I was informed on XX/XX/XXXX that the item was deleted from my credit report due to inaccuracies and violations. 

Now I have discovered that the item has been re-inserted on my credit report by ERC.

In accordance with the requirements of the FCRA Section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing
within 5 business days. 
I received no such notification. This is a very serious violation of the FCRA.I have sent notice to the company that they immediately delete the item from my credit report in order to avoid legal action.

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 2020-11-18
Company: EQUIFAX, INC.
State: AZ
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 CREATED AN FTC REPORT IN XX/XX/2020, BECAUSE A FRADUULENT ACCOUNT WAS PLACED ON MY CREDIT FROM XXXX. XXXX  WHICH IS ORIGINALLY FURNISHED BY XXXX XXXX. THEY ARE CLAIMING THIS ACCOUNT WAS MINE, SO I REMOVED THE ACCOUNT OFF OF MY REPORT USING THE FTC LAW 605B. THEN THEY RE-INSERTED THE ACCOUNT ILLEGALLY BACK ON MY CREDIT XX/XX/XXXX. WHAT THEY ARE DOING IS ILLEGAL AND IF NOT RESOLVED I WILL BE PRESSING CHARGES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, I was notified by email from Chase that they believed there was fraud on my credit card. 
I reviewed the charges and confirmed that there were XXXX fraudulent charges. I reached out to Chase and flagged the following 3 charges : VENDOR AMOUNT DATE XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXX {$8500.00} XX/XX/XXXX XXXX XXXX {$9900.00} XX/XX/XXXX Up until this day I had never heard of this company, have never contacted this company, they have never done any work at my home, and I have never agreed to pay for work they have done at another home. 

On XX/XX/XXXX, I received a message from Chase that the Transaction of {$9900.00} was found to be a valid charge. The charge was than added back to my credit card. I reached out to Chase to discuss the charge and ask why they believe it to be a valid charge. They informed me that that had a signed invoice from the vendor. I asked that they send me a copy of the invoice so I could review. 

On XX/XX/XXXX, I received the documents from Chase. The documents had my name and address, but the email address was not an email that I have ever had nor is it attached to the account. 

On XX/XX/XXXX, I contacted Chase to inform them that I had received the documents and that the signature was not mine. I emailed them a photo of my drivers license so they could verify that the signature was not mine. They agreed to re-open the fraud claim. 

On XX/XX/XXXX, I received a letter from Chase that they found the charge to be valid again. 

On XX/XX/XXXX, I filed a police report with the XXXX XXXX XXXX NC XXXX XXXX XXXX. The Case # is XXXX. 

On XX/XX/XXXX, the detective XXXX XXXX XXXX XXXX, XXXX. ( INV, INV ) ( XXXX ) ) contacted Chase and informed them that she is working with the vendor and that the charge in question had been found to be fraud. Per Chase recommendation she also emailed that information to them. 

On XX/XX/XXXX, I submitted the police report to Chase and asked them to re-open the fraud investigation based on that police report and the email from the detective. 

On XX/XX/XXXX, I received a letter from Chase stating that they again found the charges to be valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: USCB Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is the second time I have complained about this account being on my credit. 

I enrolled in XXXX XXXX back in XXXX or XXXX of 2018. I did a few assignments on introductory to high school and cancelled. I guess that didnt matter when I stated in my last report that I had canceled and they straight up lied saying that I hadnt canceled. 

I started receiving phone calls DAILY, two or three times a day saying that I owed money to them. I did not take or finish any courses at all. It was only the first part of introduction to high school. 

This should not be considered a student loan because money was not distributed to me to pay for anything like books or whatever else a student loan would cover. I have complained before about this companys shifty policies and I know that Im not the only person that has had an issue with them. 

I have been working slowly on my credit and take full responsibility for the credit that I do owe. However, I do not owe XXXX XXXX {$1300.00}! I dont owe them anything! I am not paying {$1300.00} for an introductory course to High school. That is just ridiculous! 

For one I logged into my account with them for the first time since canceling and the number do not match! My account with them states that I owe {$1000.00}. As I stated before I dont owe anything as I did cancel. 

I humbly ask that this be removed from my credit from all 3 Credit Bureaus and ask that this company is looked into for their shady policies and tactics. 

I will be attaching screenshots from my XXXX XXXX account and also filing a complaint with the XXXX yet again.

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 2021-06-15
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment reported for XX/XX/2020. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-26
Company: Sterling Infosystems Inc.
State: FL
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:
A background check was requested by an employer. ( XXXX ). A person 's name ( XXXX XXXX ) appeared on this report as an alias and I have no knowledge of this name. I called to report the error to XXXX XXXX XXXX and they said they could not provide the source of this information and it was a common occurrence. I called again and said I have the right to file a dispute on this item. I was told no one was available in that dept and I could leave a message.I emailed them and received a response which did not address the concern. 
Back Ground Reporting Agency : XXXX XXXX XXXX XXXX. XXXX | E : XXXXXXXXXXXX XXXX Thank you 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 2017-10-04
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I have had to send in multiple papers when I was in the hospital for a year and when I couldnt work. I had doctors fill out the paperwork but Navient kept saying the dr didnt fill the paperwork out correctly. After 4 times my dr said wed went over everything and still they say its not correct. I have called multiple times for loan forgiveness. I get calls XXXX it never stops and its back to back calls. The first person doesnt even hang up before another call comes in. These people are difficult to deal with and have poor management within the customer service department. This mess has been going on for more than 5 years. I need them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I do not have any knowledge of nor was consent given for the inquire. My identity was compromised I want the inquires removed from all three of the credit reporting bureaus. called the companies several times to correct the matter but no action was taken. I even submitted documentation a identity theft affidavit to the credit reporting bureaus and yet the inquires are still reflecting XXXX Inquiry from XX/XX/XXXX ( XXXX ) XXXX XXXX  XXXX XXXX from XX/XX/XXXX ( XXXX ) XXXX XXXX  XXXX XXXX from XX/XX/XXXX ( XXXX ) XXXX XXXX  XXXX XXXX from XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX from XX/XX/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 2022-04-06
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I went on XXXX XXXX and saw a new collection account for about XXXX. I called and they said there was an account opened with XXXX on XX/XX/22 which has gone to collection. Do did not open an account with XXXX of XX/XX/22. This a fraudulent charge. I have attached debt dispute file number with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX/2017 I sent XXXX and also XXXX  and letter of dispute pertaining to a debt that I received from, National Credit Systems , Inc.. They wrote me back saying that it was verified, however, they basically ca n't send me proper verification that the account belong to me. The amount they 're saying I owe is {$1200.00} and it is my understanding that XXXX and XXXX should recheck the items with the creditor who posted it on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: AES/PHEAA
State: CT
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:
I took 3 ParentPlus loans for my daughter 's education at XXXX. Two were deferred, and I was paying on one. I had direct debit from my checking account and set up the account for PHEAA to withdraw an extra {$30.00} a month. When my daughter graduated, I consolidated the 3 loans and termed them out. I also filed a " change direct debit '' form to cancel the extra  {$30.00} per month. However, despite numerous requests and contact with customer service, they continue to withdraw the additional {$30.00} each month. In XXXX they told me it would take an additional billing cycle to institute the change. In XXXX they told me I had filled out the form wrong so I had to resubmit it. In XXXX they told me they would put it into research. The XXXX bill was just released today on the website and it still reflects the additional {$30.00}. I have called them and e-mailed them repeatedly and no one will correct this problem. I am attaching a copy of the bill showing that they intend to withdraw the extra {$30.00} in XXXX. I am also attaching a copy of the direct debit details showing that only {$250.00} should be withdrawn, but they are still taking out {$280.00}. I can pay the bill and am not asking for payment relief - I just want to drop the extra {$30.00} a month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-04
Company: EQUIFAX, 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:
Existing Problem : I have also spoken repeatedly to different agents throughout this process. The last being XXXX ( agent # XXXX ) and her supervisor XXXX who didnt provide his agent number on XX/XX/XXXX ; however, he stated, because I was sent the confirmation the inquires would be removed and I would be sent a new confirmation letter showing the items would be removed but could not provide a confirmation # before speaking to an agent today XX/XX/XXXX, who told me the last agents made a mistake. He did not research this information. I have provided Equifax with XXXX XXXX contact information, XXXX XXXX is the head contact person at XXXX XXXX XXXX XXXX XXXX. She provided me with the letter sated the credit application was submitted in error. He informed that these items would be removed, not only because I have been dealing with this issue since XX/XX/XXXX. I have a letter that was sent to me from Equifax attached that these inquires have been removed dated XX/XX/XXXX. Since todays date the inquiries are still there. 

Please this process has been time consuming and mentally draining. I have done my part now they need to do theirs. XXXX and XXXX have deleted these items with the letter provided and speaking to XXXX XXXX @ ( XXXX ) XXXX or XXXXXXXXXXXX Thanks for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have been trying to get these accounts removed from my report because these accounts are were closed because they dont belong to me and they were never late. 

I have contacted the Capital One Bank, XXXX, XXXX and XXXX and all I have received from the credit bureaus on behalf of the Bank was excuses such as We cant find your file or send us more information at doesnt exist in short these excuses continue unchecked by the Govt and have been irreparably harmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Experian Information Solutions Inc.
State: GA
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:
the Credit Bureaus never did a proper investigation according to the FCRA. 

The term " Investigation Consumer Report '' means a consumer report or thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained with personal interviews with neighbors, friends or associates of the consumer reported on or with others whom he is acquainted or with whom who may have knowledge concerning any such information. 

They did not take these steps to validate Even more violated my rights According to the fair Credit Reporting Act Everything has to be 100 % accurate on my credit report The credit bureaus reported information as accurate, but how so when the date open is inaccurate, date last active inaccurate, payments are inaccurate, payment history inaccurate and date last reported is inaccurate. I have written documents stating a account was removed but the bureaus says its accurate. This is grounds for removal. 

Thy also violated the law because according to 15 U.S.C 1681 section 602 A. state 's I have a right to privacy 15 U.S.C. 1681 section 604 A. section 2 also states a consumer reporting agency can not furnish my account without written instructions.

i did not give anybody written instructions.

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