BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-14
Company: ALLY FINANCIAL INC.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was attempting to sell a couch online and was scammed. The " Buyer '' sent me a fraudulent check. On XX/XX/XXXX ; I called the Bank the check was from ( XXXXXXXX XXXX  ) to ask if it was safe to deposit it, They told me ; because it was a company check : it was safe. 

A few days later, I called Ally Bank and asked if it was safe to remove funds from the account once the check had cleared ; they said yes. 

When the check cleared ; I called Ally Bank again just to make absolutely sure it was alright to remove money from the account, and again they said it was safe, so I did. 

The Scammer had me make two separate XXXX payments of XXXX XXXX dollars for " Movers ''. This did make me skeptical of the buyer, but the bank told me it was safe, so I went along with it. 

On XX/XX/XXXX, the check bounced. 

When I found out ; I managed to cancel one of the XXXX payment, but not the other. Ally bank preceded to act in a very hostile way with the next two calls I placed. 

There was very little transparency and I was getting contradictory information through emails. 

They closed my account despite the fact I made sure to ask them every step of the way to make sure I had been doing everything right.

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 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have been sending dispute letters as complaints to the Credit Bureaus to dispute the information on my Credit report that were incurred due to identity theft. Through the letters, I have been informing the Credit Bureaus that I was a victim of Identity Theft and I never received any benefits as the result of the Identity Theft. On XX/XX/2022, I sent a letter to the XXXX and TransUnion Credit Bureaus requesting that they provide me copies of any documentation which bears my signature to support the Credit Bureaus ' claim that the items they failed to remove belonged to me. XXXX and TransUnion Credit Bureaus have failed to comply with the Fair Credit Reporting Act section 605b and continued reporting the disputed accounts without proper authentication. I am submitting this complaint through the help of the CFPB to remind the XXXX and TransUnion Credit Bureaus to remove the following information that resulted due to identity theft. The Credit Reporting Agencies must delete the following disputed items pursuant of the Fair Credit Reporting Act section 605b immediately if XXXX and TransUnion Failed to provide proper documents to support the Credit Bureaus ' claims. Once again, I need the following items removed now : XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance {$0.00} DEPT OF EDXXXX XXXX Balance {$1300.00} DEPT OF EDXXXX  XXXX Balance {$3100.00} DEPT OF EDXXXX XXXXXXXX Balance {$3800.00} DEPT OF EDXXXX XXXXXXXX Balance {$9000.00} DEPT OF ED/XXXX XXXXXXXX Balance {$3300.00} DEPT OF EDXXXX XXXXXXXX Balance {$4900.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$750.00}

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 2017-09-07
Company: Express Recovery Services, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XXXX-XXXX-2017 i deposited in my account XXXX dollares from a customer in 3 checks of XXXX each the next day i checkd with the bank and they told me the funds were avaliable for me to withdraw when i tried to withdraw the money the teller told me that the bank will need to verify the checks with the other bank come back tomorrow and be able to withdraw funds for me but on the same day my online account was blocked my personal and business accounts were blocked and nobody told me anything about it not even a phone call telling me nothing and i really need the funds to take my family out of XXXX to XXXX because of the huracan irma is coming category 5 now i dont have money or debit cards or nothing i called the bank and they told me they have an investigator named XXXX doing some investigations i called this investigator 5 times and not respond from her now what do i have to do now if they were going to block my online account or cards why in the world i was not notified in the first place so i know what is the problem now i dont know what to do i have family kids without money and a huracan irma is coming to us we dont even have moneyfor gas to get out of here this is not the right way to handle customers at all i wish i can sue this bank for this kind of behaivor i am contacting you because under the law you are the ones that supervised and take the appropiate sanctions against this bank i want to know what to do as soon as possible since this huracan is coming please help me my life and the lifes of my family is in danger and XXXX XXXX is responsible for thank you XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Hours : Open today XXXX See more hours Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Convergent Resources, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Convergent showed up on credit report, even though it is not mine. Debt need to be validated, or it needs to be removed. Account : 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 2022-02-14
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: Investigation took more than 30 days

Complaint:
I have mailed, faxed, emailed, and called each bureau XXXX, TransUnion, and XXXX. I have done everything that's been asked I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with this bureau 40 plus days ago and havent received anything. Correction I did get a letter from Transunion telling me that they were not going to investigate because they believed that I used a third party, I did use a third party " THE CFPB '' which describes how you are suppose to style the letter and the dispute. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors. Each Time that I have called the Bureaus they seem to act as if I need to start the process all over again. I have read the CFPB guidelines and the BIG XXXX  don't seem to care about the rules. XXXX XXXX you are the final help in what millions of Americans are up against please stand your ground make the Big XXXX accountable for their sloppy performance.

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 2020-07-01
Company: MCCUE MORTGAGE COMPANY, THE
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
It's XX/XX/XXXX and McCue Mortgage still has not paid my taxes. Even after telling them this they said they would pay it in a timely fashion ... NEXT MONTH. It's due today. They are refusing to pay it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: DISCOVER BANK
State: AK
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:
Discover credit card was closed in XXXXXXXX XXXX XXXX. Balance was transferred to a XXXX XXXX account prior to closing, and balance showed XXXX. Discover card account was closed over the phone, and I was ensured the balance was transferred and I was closing the account. Discover sent a printed statement showing XXXX balance after closure. I was then charged a residual interest amount of {$13.00} after closing my account unbeknownst to me. This amount then became past due, resulting in a delinquency and loss of credit score. I never received a phone call about my issue, so the problem went undetected by me. This is a nefarious and predatory practice by Discover Card and should not be affecting my credit score like it has. Completely unacceptable behavior by Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: Experian Information Solutions Inc.
State: MI
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 disputed inaccurate information reporting from a company named " XXXX XXXX XXXX ( XXXX  ) '' for {$280.00} and " XXXX XXXX XXXX '' for {$880.00}, every 35 days for SEVEN ( 7 ) months consistently. I have complained that about these collection companies with any help.

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 2017-09-07
Company: Riverwalk Financial Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I reviewed my credit report in XX/XX/XXXX and noticed collection accounts that I do not recall. Therefore, I sent a validation letter requesting additional information to Deville Mgmt. I am requesting the send me an explanation and copies of any papers that show I agreed to pay what they say I owe. They claim I owe them {$540.00}. This letter was sent XX/XX/XXXX and I have not received a response to date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital One credit card closed our accounts without any reasons. They are not allowing us to redeem out accumulated cash to purchase a new XXXX XXXX vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: U.S. BANCORP
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: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized inquiry.

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 2017-10-17
Company: Santander Consumer USA Holdings 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: Account status incorrect

Complaint:
Santander Consumer USA is reporting an open account with all three credit bureaus that is closed. This is hurting my credit score and I am unable to obtain a mortgage loan. This account was opened after I filed a complaint with Consumer Financial Protection Board.
I feel this was retaliation. Retaliation is the action of harming someone because they have harmed oneself ; revenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX  a third party collections agency account number XXXX is reporting inaccurate data violating 15 USC 1692F section 808. Unfair practices by reporting the following to XXXX and Equifax : fees charged 3 to 4 times a month and a past due balance higher than the amount owed. According to the FCRA and the FDCPA 15 USC 1692F section 808 Unfair Practices : a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. The following conduct is a violation of this section : The collection of any amount including any interest, fee, charge, or expense incidental to the principal obligation. This account was opened XX/XX/2017 by XXXX XXXX XXXX I am an XXXX XXXX XXXX XXXX and they failed to report the medical visit under the proper insurance accounting code. The original balance was {$320.00} and over the last 5 years I have been trying to dispute this matter. The collections company continues to report fees to XXXX and Equifax multiple times a month. The amount now due is {$770.00}. I would like for this item to be removed from my credit reports. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: AES/PHEAA
State: LA
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 appreciate you taking the time to DELETE some of the information in my credit file ; however, there are still account that need to be DELETED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureau to validate this account ( A ). I hope this disputed account is removed. FEDLOAN  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: EQUIFAX, INC.
State: AZ
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:
Each year I have to reapply for Income Driven Payment plan for my student loans. My payment for XX/XX/XXXX was {$170.00}. I received an email on XX/XX/XXXX advising that my payment will increase to {$420.00} on XX/XX/XXXX if I do not reapply by XX/XX/XXXX. I submitted a new application with new financial information ( pay stubs ) on XX/XX/XXXX and received a confirmation email that it was received. Then I received an email stating that my application was approved on XX/XX/XXXX but on XX/XX/XXXX I received an email stating my payment still had increased to {$420.00}. I called into XXXX  because I had provided all the information and got my application prior to the deadline and received the approval notice. The representative advised me that for some reason my information never got processed but could n't give me a clear reason as to why. My new and largely increased payment was coming up and I had to provide more income information since it had been past 30 days of the original pay stubs I sent in. Because I would not be able to make the new payment of {$420.00} by the due date and I did not know how the it would take to process AGAIN I had to opt for one month of forbearance while they were AGAIN processing the information I had to resend in. I received another email stating my application was approved on XX/XX/XXXX. But because of the forbearance my credit score dropped 48-58 points between XX/XX/XXXX and Equifax on XX/XX/XXXX. I called a XXXX representative and they did not provide any help. I am extremely upset because this was not my fault that I had to do a forbearance because they did n't properly process the information the first time. Along, with I was not late on a payment. My credit score should not be affected for the errors that XXXX made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: LEXISNEXIS
State: OH
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:
I have filed for a copy of my consumer report several times over the past 2 months. They keep claiming they hwv3 sent me a letter and then they will provide my with my report after I receive it. 

Then they send an email and ask that I verify my email address. 

3 steps to get a report that I haven't been able to receive still at this current time. 

My rights are being violated and I am unable to acquire the proper financing to support myself and my family. I have attached the adverse action notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: NAVY FEDERAL CREDIT UNION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
The issue carge in question is : XX/XX/2022 XXXX  Debit - XXXX  XXXX  XXXX  XXXX - XXXX XXXX XXXX  - {$1500.00} This is for my debit card ending in XXXX for checking account XXXX. Reason for dispute is credit not processed / order returned. 

The actual issue is that Navy Federal fails to process refunds for my charges when XXXX refunds me. I have emails from XXXX stating I was refunded. After weeks of no refund, I contact Navy Federal to do a chargeback. But they never initiate a chargeback and instead let it sit until it expires on their end. 

On XX/XX/2022, I placed order XXXX with XXXX XXXX XXXX was for an XXXX XXXX computer. I returned the order to XXXX on XX/XX/2022 via XXXX XXXX. 

I have an email from XXXX stating they have refunded me, but as of XX/XX/2022, no refund has been credited. XXXX states I was refunded, and Navy Federal fails to help in any way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-14
Company: DISCOVER BANK
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:
Someone has gotten a hold of my personal information and made three inquiries to credit card companies without my approval. On XX/XX/XXXX an inquiry was made and an account established with CRB upgrade. I have reached out to this lender and let them know. On XX/XX/XXXX two inquiries were made one with Discover financial and one with the XXXX XXXX XXXX XXXX XXXX I did not authorize any of these inquiries or accounts and have already filed with XXXX XXXX my file number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: Accscient, LLC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX I just found this collection on my XXXX credit report. I called the XXXX XXXX XXXX XXXX billing numbers that were listed on the credit report. I gave them the details and they reported that I have no overdue/outstanding accounts. 

I called the Nationwide Recovery System line and talked to an agent and a XXXX. They provided information on this supposed collection. The birthdate was not mine and it listed a XXXX XXXX XXXX in XXXX XXXX that I have never seen nor have I ever visited the ER on XX/XX/XXXX. 
Their file number is XXXX XXXX. 

This is a false claim. 

XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2020-11-13
Company: BARCLAYS BANK DELAWARE
State: HI
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:
On XX/XX/2019 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

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 2022-02-14
Company: EQUIFAX, INC.
State: MI
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:
As I reviewed my recent report, I have found a lot of erroneous information reporting on my Equifax Credit Report. I am not sure if you have conducted a thorough investigation for the following items : XXXX XXXX XXXX XXXX Balance : {$30000.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$190.00} XXXX XXXX Balance : {$6800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Bank account or service
Sub-product: Savings account
Issue: Problems caused by my funds being low

Complaint:
Bank of America has changed a {$12.00} maintenance fee for my savings account several times. Each time I have called, I have gotten a different reason as to why my account is charged. Each time, I have followed their instructions to avoid the fee in the future. This time, they were " unable '' to refund my {$12.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief