BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-31
Company: Alliant Capital Management LLC
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:
Someone is using a lost ID and attempting to apply for credit/loans showing up as hard inquiries on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
The bank closed my account for no reason and wouldn't give me a reason for the closing. Any time I asked about why they said they were not allowed to discuss the matter. When I asked foe senior management they said there was nobody that I could talk to. I'm not the kind of person to cry about things but when I have money in my account and they tell me it's being closed for no reason and won't give me a reason is fishy and unprofessional.

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 2023-04-21
Company: Synovus Bank
State: MI
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:
I was in a car accident and I was hospitalized for several days and when I returned home I saw that my wallet and credit cards had been stolen and used. I filed a police report with the local police and I called the credit card companies and First Digital responed that I am responsible for the charges even though I reported the unauthorized use and proved that I was not in possession of the cards at the time. I called and spoke to a very rude associate to appeal the decision and he advised me that the appeal results would be the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
State: GA
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:
Your company is reporting an account XXXX XXXX XXXX XXXXXXXX with incomplete account information. Update the full and complete account number without stars or delete this account due to incomplete account information. Failure to provide an accurate credit report without omissions will result in me filing a lawsuit against your company for willful noncompliance.

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 2023-08-06
Company: ID Analytics, Inc.
State: NJ
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:
On XX/XX/2023 I discovered various companies illegally reported personal, inaccurate, and private information to banks, and other credit agencies without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
State: MO
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:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$370.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$10000.00} ; XXXX XXXX Balance : {$730.00} ; XXXX  XXXX XXXX Balance : {$180.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$480.00} ; XXXX XXXX ( Original Creditor : XXXX PROGRESSIVE ) XXXX Balance : {$440.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$190.00} ; XXXX  XXXX Balance : {$25.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$280.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00}.

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 explanation
Consumer complaint received 2023-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
i had a long term rental with XXXX we agreed to pay XXXX a month which a paid every month separately and the rental was for a year by the end of the XXXX month thy forced me to bring back the car and charged me another XXXX on my capital one credit card with no explanation what this charges is for and why thy increased my charges with that amount and why thy terminated the rental 2 month before i was supposed to give it back. 
i disputed the charge with capital one and provided all documentations to proof that this charge is not legit and a spend with them hours on the phone and all representative 's was actually understanding the situation and give me the right to dispute but always in the end capital one sent me a letter saying not enough documentation provided...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said account. XXXX  XXXX XXXX as this item was showing late payments on my credit report in violation of Federal Law. Under FCRA you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I reached out to Ally bank on XXXX XX/XX/2023 to stop a check payment. I chatted as well as talked to somebody regarding this. They guided me for online process to do so. But even then the check was cleared and when I asked Ally bank - I was told that it needs at least 24 hours to kick in. If that was the case why no one told me on XXXX XX/XX/2023 itself. 
Moreover even when the stop check payment didn't worked, I was charged {$15.00} stop check payment fees. Later I need to chat with ally bank annoying customer service person XXXX to get it removed. 
Ally has always failed in terms of stopping check or ACH payment. Last year Ally failed to stop ACH payment. Very inefficient and useless bank. 
When they fail then they tell the customer to reach out to vendor in terms of stopping check or ACH payment.

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 2023-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Monday ( XX/XX/2023 ) I tried to deposit some money in the drive up ATM machine. The money got caught in the ATM machine on the XXXX XXXX, the following day I opened a claim to have the money refunded, a process that takes 10-40 days. Due to the length of time I was told a temporary value was going to appear in the account while the claim processed however that temporary value has still not appeared for me. I was planning to pay rent, pay bills and pay for living things as they happen around me. Needing to wait such a long period of time makes it so that my life needs to stop happening. Is the bank willing to pay for late fees when I can't make rent? Of Course not.

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 2023-06-01
Company: Paypal Holdings, Inc
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Hi my name is XXXX XXXX and I am messaging you because paypal keeps calling, me because i have an overdue balance of {$1600.00} and i have emailed them plenty of times to let them know I can not make that full amount of the payment and the reason the amount is that much is because this person decided to put that amount of money on my paypal account and then she wanted a refund and i do not have that type of money I have a dead end job and I am a single mom of XXXX kids so if there is anyway to remove this amount off my account please do if not I can only make monthly payments but I shouldn't have to because it was not my fault she should have never gave me that money in the first place if she wanted it back I'm just saying.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: MD
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:
The loan was refinanced with another company XX/XX/2022. Still appear negative on credit report.

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 2023-06-01
Company: MONEY SOURCE, INC., THE
State: NJ
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:
The Money Source reported my XX/XX/2023 mortgage payment as late to XXXX. My XXXX payment was made on time ( XX/XX/XXXX ) and in full ( {$1900.00} ) as reflected on The Money Source 's own ledger ( attached ) and my bank statements ( attached ). I reached out to the Money Source on multiple occasions ( by phone and in writing ) to ask for a correction but they refused. I disputed the late payment with XXXX and received notification that The Money Source had verified the information as being reported correctly. The late payment is still reflected on XXXX report and both XXXX and The Money Source refuse to make this right. This is ruining my credit and preventing me from obtaining the credit I need to provide for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: National Credit Systems,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: Account information incorrect

Complaint:
I have disputed the amount of a credit on my report and nothing has happened over the past 4 years and its affecting my score and ability to move past this. The amount shown is not right and wont be resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: SC
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 want the hard inquiries off my file please

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 2023-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am writing to request that you refrain from reporting a single late payment on my account during the global pandemic. This incident should not negatively impact my credit history, especially considering that my credit card currently holds a XXXX balance. 

Given the unprecedented circumstances of the pandemic, I believe it is crucial to consider the extenuating factors surrounding this late payment. I have been a responsible customer, consistently making timely payments before the pandemic. However, the financial challenges brought upon by the crisis significantly affected my ability to meet this particular payment obligation. 

I kindly ask for your understanding and compassion by not reporting this late payment to the credit bureaus. By doing so, you would prevent any unnecessary harm to my credit history, which I have worked hard to maintain. This exception would provide me with a fair chance to recover financially and ensure that my creditworthiness is not unfairly compromised by a single isolated incident. 

I value my relationship with Capital One and hope that you will consider my request. Thank you for your attention to this matter, and I look forward to a favorable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Self Financial Inc.
State: IN
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:
These two companies have provided false information to the credit bureaus. Basically, every time I dispute the information and tell them that these are not my accounts they modify their reports to give the impression that I have been actively making payments on the accounts. However, I never made any of these payments recorded in these accounts because these accounts do not belong to me. Also, these companies will update the " date '' that the account was opened to further give the deceptive appearance that I recently opened up these accounts. I even hired a law firm to dispute these accounts and they were not able to get them removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX Phone Number ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX Phone Number ( XXXX ) XXXX This company also refuses to remove information off of my credit reports, after I disputed the account as not being mines and the information being inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX UT XXXX Phone Number ( XXXX ) XXXX Furthermore, none of these companies will provide me with documents proving that I opened these accounts and made payments to these accounts. 

I never gave any of these companies permission to make any of these reports to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: PA
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, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX, XXXX Act Name : XXXX XXXX XXXX  XXXX Act Name : XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Chase customer service refused to abide by previous phone conversation when an error was made into account I was charged {$23.00} unnecessarily and they refused to credit me with that amount despite their previous advice so I closed the account with a XXXX  paid off balance awful customer service that put me nerves on end. My credit is excellent so theres no reason to lie like this avaricious and despondent people.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-01
Company: Experian Information Solutions 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-06-01
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Victim of intimidation, extortion, and even XXXX. 
Begging for Discover to do what is right, and stop trying to nickel and dime me whenever I do not have a job, a vehicle to drive, and survived a horrible, horrible accident. I have rights and have been taken advantage of by Discover and other financial institutions. Realize they contacted me even after they were " closed ''. It proves I am correct and if more people do not pay attention or demand more accountability they too will be targeted, victimized, and even XXXX 'd etc. ( if not already have been ). 
Discover has every customers social security # etc. this information is traded and disseminated at a level that many consumers are not aware about. Why do you think your name is in all caps whenever you receive something via mail? 
You are treated like a corporation. The customer is supposed to be protected and have rights. This is a lot of money and power concentrated with access to large volumes of information on banking customers. 
No one is spared, this is done to maximize control, power, and leverage combined with A.I. capablities the general public and government themselves are still learning about and trying to understand the full lengths of. I have requested Federal Witness Protection, and could not even buy water, Wednesday XX/XX/ -that is a basic essential to survive! That is the level of power and influence that Discover etc. has. 
I have been in Fear For My Life and requested Federal Witness Protection days ago, and am a minority. I had an unmarked, black and white police car with no overhead lights above it ( looked like a crown vic ) that followed me down a boulevard that your tax dollars pay for customers as well as college police outside where I live Wednesday XXXX XXXX XXXX  This can not be exaggerated. I have been targeted, surveillanced, watched, and so on for days! I was contacted by all my banking institutions etc. within 24 hours Wednesday, XXXX XXXX XXXX  Thursday, XXXX XXXX XXXX I pray that every customer that knows about CFPB will see this and that my words will be heard, my life spared, and that the people who have done this to me will be exposed, and prosecuted to the fullest extent of the law. I have lived in fear, been withheld of my basic diginity and rights and damages suffered incredible damage as a result, and have requested Federal Witness Protection multiple times. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief