BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-26
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was the victim of fraud on XX/XX/2021 in the amount of ~ {$1200.00} and Ally bank refused to pursue the disputed transaction saying that it was an authorized transaction. I have filed an XXXX complaint as well.

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 2021-02-05
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
ARS I would like to once again ask to have all the documents you claim you have obtained and sent to me to confirm that this is an accurate. I have NOT once received anything from you showing the information you claim you have sent. You sent me a bill and that is it. A bill that said emergency services balance owed XXXX. I have not received any else supporting what you keep saying. Why would I now after all this time do all of the steps your telling me to do for identity theft three years later.? Why don't you take the steps and submit the documents that you keep refusing to send verifying the debt is mine. It would be a lot easier for you to provide those documents than me going and claiming identity theft three years later. I have spent those three years trying to get you to provide me documents with my signature verifying the debt belongs to me and for three years you just continue to send me a bill that says emergency services balance due. That means nothing. Again, I have maintained medical insurance for over five years, maybe even longer than that. So again. Show me more than a bill, And when I say that it means show me the entire MEDICAL RECORD you have on file verifying this debt and we can move on. Otherwise, stop updating my credit reports every month with XXXX. You have my information so you can send me the medical records from the date of service you have on there. Because I have not been to any emergency room.

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 2022-05-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have reached out to both Capital One and credit report agencies regarding a late payment that is showing on my credit reports. This is inaccurate and needs to be updated/deleted immediately. Capital One, XXXX, XXXX, and XXXX all sent back computer-generated letters saying they found it to be " accurate ''. I then requested a method of verification -- XXXX XXXX! It has been well over 30 Days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card
Issue: Rewards

Complaint:
I received and activated Barclay Arrival Plus on XXXX XXXX 2016. I had a transaction on XXXX XXXX 2016 with posting date as XXXX XXXX. And today XXXX XXXX 2016 I just found out that I had to meet the required spending within 90 days from the " APPLICATION DATE '' but not the the date I received & activated the card. It took Barclay 2 weeks to mail me the card. But the rep would n't budge and stuck with application date XXXX XXXX and not the date I received the card. Perhaps next time for for future customers Barclay needs to overnight the card at no costs to customers so they have time to meet the required spending for the sign on bonus.

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 2021-12-26
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My Bank account with Bmo Harris Banking Had Fraudulent and suspicious activities Since XX/XX/2021. I was going to use my bank card and it said declined as i opened my bmo app on my cell phone I noticed that i could not do anything with my account and saw the fraudulent activity. i went to the branch and spoke with the banker and i was advised to go make a police report that the Fraud investigator was not in the office at the time and had to wait to be contacted by banker that was speaking with the fraud department. I honestly don't know why the bank if they noticed the suspicious activities, they didn't automatically contact me and spoke with me about the situation and also why they didn't put a freeze and a and suspension on the account. around the beginning of XXXX I was called back from the banker explaining to me taht XXXX XXXX from the fraud department said that nothing couldn't be done to help me out on my situation and that my bank account was getting closed and that I was going to be held liable for the fraudulent activities on my account and had to pay {$3000.00} at the time.

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 2023-01-02
Company: LendingPoint Holdings LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I XXXX XXXX XXXX attempted to remain in honor by tendering payment via ambiguous negotiable instrument in the form of a paid U.S. Postal Money order. Which clearly states at the bottom that it is a negotiable instrument which I bought and paid for the rights to negotiate it. Money order number XXXX was made with the proper clauses and provision based on banking law in the amount {$11000.00} in accordance with HJR-192 Public law 72-10, U.C.C 3-603 ( b ) U.C.C. 3-311 and public law for negotiable instruments to LendingPoint LLC XXXX XX/XX/2022. They accepted my instrument but did not credit my account correctly. I did call on XX/XX/2022 and spoke with XXXX from collections, XXXX from customer service, XXXX XXXX from customer service, XXXX XXXX manager from customer service, XXXX from collections, XXXX manager from collections recording will be attached and they refused to stand in honor of the law by applying the proper payment. Even with the ability for the instrument to remain negotiable which is an even greater benefit for them. I am filing a complaint and asking for immediate investigation to rectify the situation without XXXX so they can remain in honor. As it stands they are committing an illegal act and are currently in dishonor, as their practices, are against the law in which our country is built on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Citi bank has had a error on showing accurate account balance, they post my check payment late and once they are posted NOT pending all my credit card payment go in to negative status but my card transactions are still posting the next day citi bank than reverse all my posted check to add up to my bank transactions and charges me overdraft and reverse check fee. I opt out on overdraft but they never let my bank card transactions post in negative they just start reversing all my electronic check payment without my permission. When I call to complain about my bank card transactions they tell me I ran my card when it was zero and that impossible because due to me not being enrolled in overdraft they dont allow me to do when I ran my bank card funds were available. Than the next day when they reverse the bank check and post credit card they tell me other story making it my fault. Banks are supposed to be more consistent and accurate and they cant reverse posted payment without permission

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 2021-12-26
Company: Experian Information Solutions 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 am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 
I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. 

I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/2021 Account status : Open Status updated : XX/XX/2021 Account type : Credit Card Payment status : Current Balance : {$7900.00} Balance updated : XX/XX/2021 Credit limit : {$9000.00} Usage : 87 % Monthly payment : {$100.00} Highest balance : {$9600.00} Terms : Revolving Responsibility : Authorized User

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 2015-08-26
Company: CITIBANK, N.A.
State: DE
Product: Credit card
Issue: Other

Complaint:
Citibank was sending statements to the wrong address. The XXXX had an annual fee which I was unaware, as I did n't receive statement, and cause the card to go XXXX day late before I could catch it. The account had a XXXX balance before the annual fee and now I have paid the annual fee and late charges that it had caused. I asked to have them remove the XXXX day late reporting but they refused but they wont help. They also lowered my credit line from $ XXXX {$250.00}, which is also adversely effecting my Can you please help me with these problems? I have reached out to citibank on multiple occasions, and spent hours on the phone with no resolution. 
mastercard account # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-17
Company: CITIBANK, N.A.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I am on direct payment and even though payment was made, their system did not log the payments correctly

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 2022-04-16
Company: CITIBANK, N.A.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
President - i opened citibank checking XXXX and savings XXXX on XX/XX/2022 i transferred too both less then {$37000.00}, {$35000.00} to the savings and {$2500.00} to the checking. i received there debit card mc XXXX and activated it. both accounts last night were blocked and today they said they couldnt speak to me any further but before that said the accounts were closed and it will take 12 weeks at five business days per week to receive the funds of simply 60 business days. besides that i made a decision and closed my XXXX ( XXXX ), XXXX ( XXXX ) and XXXX XXXX ( XXXX ) accounts this week and loved the thought that im not a part of them any longer and good riddance. all three got notarized letters by usps certified mail this week and look forward to never doing business with them ever again. since they dont have my money any longer. im glad they dont. ill will be more then ecstatic next week when all three are official. i think i still have a chime account ( XXXX ) it has money in it and i sent my direct deposits from ssdi to it. do this now. signed president of the XXXX XXXX XXXX XX/XX/2022 XXXX est.

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 2021-12-26
Company: Experian Information Solutions Inc.
State: MS
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:
For several weeks, I have repeatedly asked XXXX XXXX XXXX XXXX XXXX, XXXX and Experian to objectively resolve my credit issues relative to hard inquiries which shouldve been reported as promotional or soft inquiries. I have also reached out to the respected companies but of to no avail. I have only authorized soft/promotional inquiries and the unduly hard inquiries constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please coordinate with the companies to REMOVE/DELETE these inquiries from my credit file as I have not signed any applications for credit. I have also asked in addition of their investigation to please send me the nature in how they conducted the investigation to determine and prove the validity of these inquiries. 
Inquiries are a factual record of file access, and it is the credit bureaus that are reporting these unverifiable requests for my credit. I have been instructed to work with XXXX XXXX XXXX XXXX XXXX located at : XXXX XXXX XXXX, XXXX XXXX, XXXX, TN XXXX, that will also assist with this process if the inquiries are not promptly removed. I fully understand that my rights, according to the [ 15 U.S. Code 1681b ] 604, were violated and that these inquiries need to be removed immediately.

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 2021-12-26
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: Was not notified of investigation status or results

Complaint:
I sent out letters on XX/XX/2021 in reference to inaccurate reported late payments on my student loans that are showing on my credit report. This information is misleading and false. I always make my payments on time as agreed. It has been approximately 45 days and I still have not received any communication. My information was also compromised and impacted by the Equifax data breach. It has been well over 30 days, and in section 611 ( a ) it states, that a failure to investigate these items within this time frame will result in immediate removal of these items from my credit report. I demand these late payments be immediately removed or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: Security Credit Services, 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
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:
XXXX  has not investigated or returned results on an investigation from XX/XX/2020 and has not sent me any correspondence.

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 2020-04-16
Company: ONLINE Information Services, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have 2 issues with this debt. 1. i wasnt notified of this bill. Im not sure what address that they sent this letter to if it was sent out since i am at a new location for a while.

2. I have a fraud alert and Identity theft history on my credit report and I do not recognize this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-29
Company: Risecredit, LLC
State: IL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I signed an on line contract for a XXXX loan ( I live in the State of Illinois ) the loan is for XXXX payments in the amount of XXXX XXXXXXXX98.4 % interest rate. 
The loan started in XXXX XXXX XXXX and I have made 7 payments, sometimes paying before the due date and extra. The company has taken all of the payments except for approx. XXXX and has applied it to interest. 
I was not aware that this was illegal in Illinois and that the max pay day loan is for 6 mos. 
I tried to speak with them to change my contract per IL law and they refused. My last loan payment is due in XXXX XXXX please help me to void this illegal contract

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: Incomm Holdings Inc.
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Vanilla gift card purchased at XXXX in the amount of {$200.00} ( XXXX XX/XX/21 ). The {$200.00} was on the card. The card was checked again later and the balance was XXXX cents. There was one purchase for {$190.00}. The card was not accessible by anyone and this is a fraudulent charge. Vanilla Gift card customer service screamed at me. It has been the worst thing I have ever had happen of this nature. It is really obvious it was fraud. I feel like I should receive my money back promptly. {$200.00} is a lot of money for us. I can't believe they are allowed to operate like this. I tried contacting the vendor without any luck. I think the merchant website is fraudulent, too

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: EQUIFAX, INC.
State: MS
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:
The Collection Agency XXXX XXXX, Original Creditor XXXX XXXX XXXX, along with Equifax Information Services and XXXX are reporting erroneous and inaccurate information on my credit files. This account has already been deleted from XXXX as they were willing to do what was right in adhering to my rights as a consumer, but the collection agency and the above-mentioned credit bureaus have failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: BARCLAYS BANK DELAWARE
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Barclays Bank Delaware consistently reports to all three credit bureaus that I am late making payments ( photo attached ). 

The account was settled on XX/XX/2018. ( Photo attached ). Yet still, every month, Barclays reports that I am late ... that I missed a {$0.00} payment. This has continued to drag my score down since 2018. 

I called Barclays several times and each time they tell me I owe nothing, and they should not be reporting late payments .... and that they will resolve it. But they never stop and I have gone through this more than 5 times. 

I have also disputed with the credit bureaus directly and after the dispute resolved it says dispute resolved, customer disagrees .... ahem ... excuse me no it is not resolved!! 

I need help with getting Barclays to STOP REPORTING ME AS HAVING LATE PAYMENTS EVERY MONTH SINCE 2018 WHEN I SETTLED MY ACCOUNT I feel like I am bullied and am up against a juggernaut that keeps destroying my credit with no recourse for 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 2020-04-16
Company: TD BANK US HOLDING COMPANY
State: NH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
TD Bank. I had to close an account do to it being a victim of check fraud and open a new account. On XX/XX/19 checks came through to my to my old account and my overdraft protection kicked in. I made a payment from the new account to the overdraft protection. Apparently I should not of been able to do this so the payment was rejected and since the old account was closed it had no where to go and kept getting bumped around. I have talked with multiple people at TD bank everyone agrees the money is lost and no one knows where it went. It is no ones job to fix this at TD Bank. The amount is {$1500.00}. There are several notes on my file and everyone can see the money is lost but no one at TD bank is able to fix this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Overcharged for something you did purchase with the card

Complaint:
I made a transaction with XXXX XXXX online and the receipt said I would pay {$340.00}. I got charged {$340.00} on my credit card statement, which changed to {$690.00} later on. XXXX XXXX refunded me {$70.00} and {$170.00} which left a difference of {$100.00} remaining. I disputed the transaction and sent the receipt as evidence and got credited for the {$100.00}. Later, Back of America denied my claim and charged me {$100.00}. Their reason for doing so was, You were unable to provide us with a copy of the original sales slip or other documentation indicating that the merchant charged the incorrect amount despite me sending them a copy of the receipt twice. I want the {$100.00} charge removed.

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