BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-20
Company: ALLY FINANCIAL INC.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
In an effort to close on our home loan today XX/XX/XXXX. We set up a wire transfer on XX/XX/XXXX for XX/XX/XXXX. Being that our Ally account was younger than 90 days we required an exception to transfer for than XXXX. We needed to transfer XXXX. With that information we reached out to Ally twice asking did we need to provide any additional information regarding the wire ( XX/XX/XXXX ). Both time we were advised that if they had any additional question that would delay the transaction they would advise. On the day of our closing the funds did not transfer. In fact our request was reviewed at XXXX pm on XX/XX/XXXX and did not move forward again until XXXX, our closing was at XXXX. We have yet to close on our home.

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 2016-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have XXXX accounts for XXXX XXXX Support in Arizona. There are balances on these accounts, but I have paid on-time payments every month. TransUnion & XXXX have changed from showing these accounts as " Current : Paid or Paying as Agreed '' to " Account 120 days Past Due Date ''. XXXX still shows all XXXX accounts as current. I have contacted the creditor who told me that I am current on all XXXX accounts. They also said that they are receiving many inquiries from other consumers regarding this issue. They gave me a printout of my payment history for all XXXX accounts, which I sent to all XXXX credit bureaus. I have received dispute results saying that they changed XXXX account but not the other XXXX from TranUnion. XXXX shows XXXX as a charge off and no change to the other XXXX accounts. As far as I know, XXXX still shows these accounts as current. I have spoken with TransUnion who said that they are just reporting what the creditor has sent them. My concern is that TransUnion & XXXX are translating the data that they are receiving from the creditor incorrectly. Nonetheless my credit reports and scores from these XXXX credit bureaus have been significantly affected by incorrect reporting and they do n't seem to care.

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 2015-10-01
Company: The Law Offices of Gerald E Moore & Associates, PC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The apartment complex I lived at claimed that I owe them rent payment for the new tenant, who was moving into my old apartment, because the new tenant decided to move in two weeks later than the original move-in date. 

I had told the management several times my lease is up, and I am no longer liable for when the new tenant decides to move in. However, the management and corporate office of the apartment complex continue to argue that I am liable because I am not off the lease until the new tenant physically move in. 

Nonsense! My lease expired, so do not try to make me pay for something that has nothing to do with me. Yet, the corporate office continues to sent harassment letters for 1.5 year-after I have ask them to stop in writing. 

Then they sent false information about me owing them money, along with my personal information like addresses, ss #, telephone, etc ... to XXXX collection agencies, XXXX of which claims to be a law firm. However, the " law firm '' I called had no lawyers there, and there was no working email addresses. The manager I spoke to gave me to wrong email addresses-sketchy. 

Furthermore, the " law firm, '' and the manager at the " law firm '' I spoke to sent me a letter threatened to collect and get a judgment against me. I kept telling him I do not owe any money, and you have no proof I owe the apartment complex any money so why are you still harassing, threatening, and bothering me? 

The man would not answer, would not let me speak to an attorney there because there is none. This business have had many complaints online, and even a lawsuit I found against them for misrepresentation of information, acting or holding themselves out to be attorneys when they are not, and their way of disputing the debt is by not listening, and continuing to say, " we 're going to go ahead and collect. any information will be used against you, etc ... '' I do not owe any money, and you do not have any evidence I owe any rent money so you need to stop, leave me alone, close my account, and end all contacts with me! 

How is this business able to operate still? They uses false identities, claiming they are lawyers in the business of collecting debt when they are not, and not knowing what the law is but trying to scare me by saying it 's a federal violation. 

A federal violation for NOT owing debt to the apartment complex???? This " law office dba Gerald E. Moore and Associates, PC '' needs to be shut down, fined, be prosecuted, and face contempt of court. 

What false information they gathered about me they are doing to many others. These nonsense, harassment, and evil conduct need to stop immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
A collection company " XXXX XXXX XXXX '' is reporting a debt that has exceeded the XXXX year reporting window. I've disputed the age of the debt with all the XXXX credit reporting agencies and requested the collection company report the " date of first delinquency '' to verify the age of the debt. The company merely replied that the information was accurate, without actually providing the true age of the debt. The dispute merely results in a note attached to the collection stating " Dispute resolved, customer disagrees. '' I believe this is a simple case of debt " re-aging '' and the collection agency is inaccurately reporting the debt.

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 2022-05-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My Bank account at USAA has been hacked and the person who is in my account has been depositing checks that are not mine for {$5000.00} at a time starting XXXX XXXX. As they cash these checks, they send them to XXXX XXXX and once they send the checks to XXXX pay, the checks get declined. I am now XXXX dollars in debt and I have no money. I need help please

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
In XXXX I paid {$90.00} to Kohl 's Department store on my husband 's account instead of mine. When I received the XXXX bill I immediately contacted Kohl 's and was assured that the money would be transferred to my account from his and that late fees, etc. would be removed. In mid XXXX and in late XXXX I received telephone calls asking why my bill was not being paid. I explained the situation each time and was promised that it would be corrected. Employees I have spoken to include XXXX ( employee # XXXX ) and XXXX ( employee # XXXX ). 
Our account numbers are XXXX XXXX XXXX, XXXX XXXX XXXX. 
On XXXX XXXX I received a letter stating that my Kohl 's charge was being suspended and that my " refusal to pay '' was being reported to credit collection agencies. 
Please assist me in resolving this matter, so that our credit ratings are not effected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
My information got merge with someone else credit file and I try to call the credit breau and they couldnt fix it at all and its messing me up my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23
Company: RMS-Recovery Management Services, Inc.
State: IL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Called my employer asking for me passing himself as a sprint customer that need to speak to me. When a manager picked up the phone and asked the caller who was asking for me the caller responded im a customer. When the manager picked up again and requested again who was calling for me since I was busy with a customer he then responded with his name and he was calling from Recover Management Services. When they requested for me they only said XXXX. Not by my full name. Also they continue to call my employer and not only getting me in trouble but calling private after my manager told them to stop calling my job. My employer came to me with a complaint. Call was made at XXXX XXXX/XXXX/2016. I have also requested a written notice of the bill with information of the collection company since I was first contacted about it XX/XX/XXXX and yet I still have n't received anything in the mail about the bill with any information and where it came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This complaint is to follow up any response from you after XXXX days of investigation. As I reviewed my Credit Report I have noticed that there is still an item that is reporting as erroneous and incorrect information. Please conduct another investigation to the information and send me the notification that the disputed item has been updated. 

XXXX XXXX XXXX XXXXXXXX Late Date XX/XX/20

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 2015-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
I opened a Kohl 's credit card in 2014. I have found that this company uses false advertisements and underhanded business practices. Since I 've had the card, I 've tried to maintain a XXXX balance. My first interaction with this company and it 's misrepresentation resulted in me doing a survey where I was to received {$50.00} of free merchandise for filling out the survive. I wound up being charged {$69.00} for a promotional product that should have been free. I had to have my bank reverse the charges and dispute it to get my money back. The second incident, involved me returning a gold chain that broke after a week. When I returned it they did n't want to give me the full price I was charged because I used {$20.00} Kohls cash that they gave me to use in the store. The last incident, which prompted this complaint, involves me having to pay late charges on an account that should have had a XXXX balance. I am having to paid {$14.00} out of {$48.00} of late charged on a {$32.00} balanced I was unaware. The last payment I made to XXXX out my account was {$250.00} in XXXX. I was given this amount from the in store personnel. Unknown to me, the amount I paid left a balance of {$32.00}. I received no further billing correspondence from Kohl saying I owed anything. Since I was under the impression I owed nothing not receiving a bill was ok. I received numerous promotional correspondence but no bill. I made a purchase at the store XXXX XXXX and had no issues with the card, 2 days after the purchase and 2 days before this complain, I get a call from Kohl stating That I owed {$89.00}. I was informed that I owned {$32.00} balance and {$48.00} in fees. At that time, the representative willing to discount all the extra charges and I was only to pay {$32.00}. I tried to discuss with the Kohl 's representive at the time but I had to do my due diligence and go through my paperwork. I discovered that indeed I did owe {$32.00}. When I called back, that 's when they refused to discount the total fees and told me if I did n't pay My account would be reported to the credit bureau. They refuse to give me a supervisor or a name or number to someone else to talk to. I would like you assistance in resolving this matter

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Due to a system issue, my payment was scheduled for the wrong date. Therefore, my payment wasnt sent to Capital one and a late fee was applied in the amount of {$28.00}. Since Ive never had any late payments, I requested the late fee be waived. However, it would take XXXX business days to post to the account. Then I made the payment which applied to another Capital One credit card. After checking the account, I-noticed the payment was applied to the wrong account so I called customer service again. The representative did not understand what I was asking so I had to repeat it several times. Their outsourced company used for their customer service always provide information the customer do not ask questions not asked. The representative talked so fast most of the interaction with her was frustrating I asked for a supervisor XXXX times and finally got a account specialist name XXXX that was very unprofessional and rude. I was told they were backed up with processing a simple transferring payment from the incorrect to the correct. The process will take 7-10 business days that will cause a late payment on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-10
Company: Experian Information Solutions Inc.
State: OR
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:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my 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 non-monetary relief
Consumer complaint received 2017-04-30
Company: Experian Information Solutions Inc.
State: TN
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  offered me a chance to receive a secured credit card with an opening deposit twice and I was denied both times. I was n't planning on applying for anything during those times as I was repairing my credit. I applied because I was allegedly pre-approved. That 's not fair to the consumer. Neither  XXXX   XXXX  nor the  3  credit bureaus (  XXXX ,  XXXX , and Experian  )  will honor removing the inquiries even though I was solicited by   XXXX   XXXX  . The  FACTS stat es inquiries can only be pulled under certain conditions and " firm '' offers are  one  of those conditions. Here is a reference to the code under ( c ) (  1  ) ( B ) ( I )  : 15 U.S. Code 1681b -  Permissible purposes of consumer reports ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agenc y may  furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) (  3  ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ;  ( ii  ) the consumer reporting agency has complied with subsection ( e ) ;  ( iii ) th ere is not in effect an election by the consumer, made in accordance with subsection ( e ), to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and  ( iv )  the consumer report does not contain a date of birth that shows that the consumer has not attained the age of  XXXX , or, if the date of birth on the consumer report shows that the consumer has not attained the age of  XXXX , such consumer consents to the consumer reporting agency to such furnishing.

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 2016-05-11
Company: FIRST ADVANTAGE CORPORATION
State: IN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX XXXX a virtual call center sent invitation by email to complete background and credit check. I had to go to the First Advantage website and pay {$65.00} for a background check. The email from XXXX XXXX, list some of the reasons which may cause to fail. XXXX or more bankruptcies, XXXX or more civil judgement/leans in the past 5 years. I have the credit report from XXXX and it does not list XXXX or more. I have XXXX bankruptcy and XXXX judgement ( judgement which was satisfied in 2010 ). First Advantage score is incorrect it is not going by the email that was sent to me from XXXX XXXX. First Advantage sent XXXX XXXX a score of ineligible. This is a lost of the {$65.00} and a bad report to XXXX XXXX unable to work as an XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Credit card
Issue: Billing disputes

Complaint:
I have been with Capitol One for almost two years now and have never missed a payment. However, I was offered a higher line of credit twice. I started with a {$500.00} credit limit than {$1200.00} and now {$1800.00}. I had a balance of $ XXXX.due XXXX, 2015 of which I paid {$78.00} on XXXX XXXX which left me with a Zero balance owed. Minimum payment was already paid. I also paid {$65.00} XXXX XXXX and {$55.00} XXXX XXXX. ( Interest ). which left me with a CREDIT of {$200.00}. I looked at my account balance last night and from the {$200.00} was as deduction of {$32.00} and that amount? was transferred to my balance owed causing my balance to go back up to {$1600.00} and line of credit reduced to {$160.00} with a INTEREST CHARGE of {$55.00} Due XXXX XXXX, 2015. ( How can Capital One Increase my Balance by taking a payment before it is due and making my balance higher before the DUE DATE? I have not made any purchased since XXXX 2015.ZERO!!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-30
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Refer to complaint # XXXX The CFPB had sent the complaint to Chase. 
Chase ( XXXX XXXX XXXX XXXX ) as the letter from XXXX in the files indicates, XXXX is now a part of Washington Mutual. Chase ( XXXX XXXX ) is unable to access the records of XXXX until he has verification from the CFPB that PNC MOrtgage is a part of Washington Mutual, who Chase now owns. With this verification from the CFPB, Chase will then be able to access the records of XXXX thru Washington Mutual.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Late fee

Complaint:
I was charged a late fee on XXXX/XXXX/2015 for {$25.00} that was supposed to be removed. I was also charged a late fee on XXXX/XXXX/2015 for {$25.00} that was supposed to be removed as well. When I make my monthly payment over the telephone I would be told it was on time. But if for some reason I was charged a late fee to contact customer service & they would remove the charge. I would contact customer service the day or a couple days after & they would assure me charges would be removed, but that 's has n't always been the case. The last time I contacted customer service they said since so much time had passed they would n't remove the charges. Even though it was the credit card company 's fault the charges got placed & not removed in the first place. I 'm recovering from a series of procedures & have n't been able to stay on top of my account as normal. But I 'd expect that when someone says they 're going to do something that they are actually going to do it.

Company response to consumer: Closed with explanation