BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-27
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On Tuesday, XX/XX/XXXX, there were 11 pending charges for {$90.00} ( totaling {$990.00} ) that were charged using one of the debit accounts associated with our Ally Bank checking account. We immediately called the bank and they closed out the debit card associated with those charges. We were then told to wait until the charges had posted to the account. After the charges were posted to the account ( resulting in an overdraft ), we were told to dispute the charges using Ally 's online banking website. We have an automatic transfer of funds set up from a money market account and so we had a transfer of funds out of our money market account to cover the associated overdraft in the checking account. We disputed the 11 charges on Wednesday, XX/XX/XXXX and signed an affidavit that these charges were not legitimate. It was very easy to determine they were not legitimate : The charges had a legitimate company website associated but a bogus # XXXX that was not in service. I called the company and they confirmed that they did not run 11 charges via POS on my husband 's card. It is now Wednesday, XX/XX/XXXX and Ally Bank has indicated that they are still doing their investigation. Ally Bank indicated they would provide conditional credit but they have not and our {$990.00} is out of our money market account- costing us interest earned. In researching, it appears in 2021, Ally Bank had a hack that resulted in the release of their customer 's information so I can only assume that the information for our account was purchased as a result of that hack.

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 2018-05-25
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
ive ' had my american express card for over 15 years. my credit limit on this one card is over XXXX XXXX an amount im ' far from reaching. about a week ago, i faxed american express regarding some seven diff airline tickets at like seven diff airports withing two day window. not one signature from me verifying the charges and thats ' fine like who needs verification for that. i guess privacy concers are all talk. lem me explain myself. not once have i crossed the treshhold of my  credit limit, not once did i even come close. today i tried to use my card for a recurring cell phone bill of XXXX dollars..two or three days ago i sent XXXX XXXX on my acct balance. not once did anyone from amex call me to say hey youre late on your acct but for gods sake to have them shut down my card until i pay XXXX dollars oh then the guy goes theres a XXXX dollar late fee due and next breathe goes we didnt get payment since XXXX ... are we in XXXX yet? why does consumer finance even exist. and can you imagine how many have access to my hey i have a question since my credit limit over XXXX XXXX, if i had a sero balance and bought a XXXX XXXX dollar diamond would amex cut me off at XXXX XXXX and go, dont gove that dismond just yet, we acknowledge their credit limit not XXXX XXXX but over XXXX XXXX but until they pay XXXX dollar reaching XXXX XXXX thresh hold dont give that diamond just yet what kind ofcommerce based is this?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: Experian Information Solutions Inc.
State: CO
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 crediting reporting act the following the following accounts are in violation of my rights according to 15 USC 1681 section 602 ( a ) section 2 & 604 ( a ) section 2 XXXX XXXX XXXX account # XXXX ** XXXX XXXX account # XXXX XXXX XXXX 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 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently added two collection accounts to my credit report for the same bill from XX/XX/2015. Not only is it too old to be on my credit, but they ha e it listed twice. It is listed with XXXX XXXXXXXX XXXX XXXXXXXX for {$13000.00} and also with XXXX XXXX, XXXX for {$13000.00}. This caused my credit score to drop by nearly XXXX points. So not only is it too old and listed twice, they don't even have the same amounts reported. I am extremely sick and on XXXX, and heavily really on my credit to help my son, who has XXXX, survive. This company proved to have numerous unethical business practices, and scammed me into buying a car that broke down after less than a week. They could see that I was weak, in pain, and XXXX and preyed on that weakness.

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 2023-11-09
Company: TRANSWORLD SYSTEMS INC
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice of debt collection through XXXX. I contacted the account holder, Transworld Systems. They told me that the debt was for an account with XXXX  XXXX XXXX in the amount of {$1500.00}. Service for this account ended in XX/XX/2023. I informed them that I have never lived in XXXX  or at the address they provided to me. They told me I would need file a police report for identity theft. I have done that and have a case number I can provide. I have also submitted a dispute with XXXX on the collections 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 2023-01-30
Company: Keith D. Weiner & Associates Co., L.P.A.
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Keith D. Weiner & Associates Co. L.P.A. has been trying to collect an auto loan debt that was resolved in my divorce in XXXX. The truck was voluntarily given back and the lender sold it and sent the company above to collect what was supposed to be the remaing price of {$10000.00}. I am not supposed to be held liable for the debt and I also sent my divorce decree providing a legal document letting them know that. In XXXX, I received a lot calls and mailing saying that I was responsible for the debt and I continued to respond letting them know that I am not responsible for the debt. In XXXX, when I was XXXX  with my son I started to receive threatening letters from Keith D Weiner & Associates Co. stating that they filed a real estate judgment against me and any property that I own the lien will encumber my residence to fulfill what is owed. Which, now at this point the debt total has jumped to {$16000.00}. So, I filed a motion in XXXX XXXX XXXX pertaining to this marital debt and the XXXX called their office with me and my ex-husband present to see how we could get this debt collector from off me and to allow my ex-husband to resolve his marital debt and set up a payment plan to start making payments. They said I had to give my ex-husband authorization to them to allow him to make payments on the marital debt. Which, I did and my ex-husband still was not allowed to setup arrangements to try to dissolve this marital debt. The debt collector above is still reporting negatively to my credit and also with the stated threats of filing a real estate judgment lien against me will stop me from selling my home since my family has out grown it and looking to find something bigger. This is really making feel like I can't move on with my life after going through a terrible divorce.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: PACIFIC PREMIER BANCORP, INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I am a trustee/executor of my Dad 's estate XXXX opened a Pacific XXXX bank account in XXXX it changed to XXXX bank in XXXX. In XXXX XXXX took me to the branch in XXXX XXXXXXXX and put me on Pay upon death beneficiary. In XXXX the bank changed to XXXX bank. Somehow there are no documents or signature card for XXXX at either the XXXX branch or XXXX. The only signature card is from Pacific XXXX bank in XXXX the next one is from a conservator of XXXX when he became demented XXXX XXXX. I have exhausted my resources trying to find this document. I can not see how it could have gotten lost. I did subpoena the records of all 3 banks and nothing. Do you have any suggestions on how to find this document? Or just forget it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid off my XXXX XXXXXXXX on XX/XX/XXXX of XXXX. On XX/XX/XXXX I received an email from XXXX  around XXXX stating they needed to receive a payment of {$1100.00} before XXXX XXXX XXXX  or they would report a 30 day late to my credit report. 

On XX/XX/ around XXXX XXXX I received an email from XXXX stating thank you for your payment of {$57000.00} which was made on XXXX XXXX XXXX 

Since my payment was received prior to XX/XX/XXXX no delinquency should have been reported per their email. Attached please find both emails.

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 2023-08-12
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:
This is my OTHER 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: TX
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:
I previously submitted a complaint for the following : I am writing this as I am a consumer and has been a victim of inaccurate reporting by XXXX XXXX on their account [ Account Number : XXXX ]. I want to bring to your attention the fact that the account has been inaccurately reported as " paid twice ''. This error on my credit report is a violation of the Fair Credit Reporting Act ( FCRA ) regulations. I am hereby requesting the Credit Bureau to remove any and all credit information associated with XXXX XXXX 's account [ Account Number : XXXX ] from my credit report, as your bureau is a party to this reporting of incorrect payment history. The inclusion of such an entry in my credit report, as " paid twice '' has adversely affected my credit score, which in turn has had unnecessary financial consequences. 

The accurate information which XXXX creditor should have had provided was in fact that I made a payment in full for the account [ Account Number : XXXX ] and the account was closed after balance was fully paid at end of year 2020. 

Any entries reporting an incorrect status or repeating the same information would not only be a violation of FCRA guidelines but also misleading as such double pay or overdue/pending payments ultimately give incorrect certainty to my creditor scoring. The reporting of " paid twice '' has marginalized my credit standing with the worthiness as a borrower and also has had impacts like higher interest rates, having difficulty in securing loans from various lenders, and so summarily created unnecessary financial hardships. This reporting error by XXXX XXXX has caused significant inconveniences to me and failed to comply with FCRA provisions. The FCRA regulations aim to protect consumers from inaccurate credit information, and as such, any violations of these laws will attract legal actions for failure to comply. 


I have demanded deletion of this account fully due to lack of providing investigation procedure and for the financial hardships this has caused me. 

the response i received to my request was " Collection : XXXX XXXX XXXX ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THIS CREDITOR IS CURRENTLY REPORTING A ZERO BALANCE FOR THIS ACCOUNT. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : DATE OF XXXX DELIQUENCY '' They did not delete this account instead have been updating it after being in violation. 

Today I have found out that I am also a victim of data breach because of there practices and violations. 


I am demanding full removal of this account off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Experian Information Solutions Inc.
State: CA
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 an 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 explanation
Consumer complaint received 2022-08-19
Company: EQUIFAX, INC.
State: NY
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 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. Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. The last letter I sent to Equifax was XX/XX/XXXX and upon checking my recent credit report the account is still reporting on my file. This is so disappointing because the account has already been deleted from the other bureaus. Please see this matter is solved quickly. Delete the account from my file. 

XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: Experian Information Solutions Inc.
State: WV
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:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions completed by me as the consumer : 1 ) XXXX XXXX XXXX XXXX XXXX  Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry Date : XX/XX/2022 XXXX ) XXXX XXXX XXXX Inquiry Date : XX/XX/ XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions completed by me as the consumer : 1 ) XXXX XXXX XXXX XXXX XXXX Account No : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/2022 XXXX ) XXXX XXXX XXXX Inquiry Date : XX/XX/2022 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
In XXXXXXXX XXXX  2021, PayPal suspended my account and placed limitations on it. They asked for additional information about my bank accounts to ensure I was who I said I was. After receiving the requested information PayPal permanently banned my account. They have given me no information about the reasons behind the original limitation or the permanent ban of my account. I've had the account for over XXXX  years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Credit Bureaus need to only list my true name as XXXX XXXX XXXX or XXXX XXXX. My only address is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX, Texas. XXXX. Any other addresses or spelling is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Experian is trying to charge my bank card for a monthly membership for which I have never agreed to every time I log into the website it props me to provide credit card information for which I have never provided to them except for one instance when I had to provide a bank card to verify my identity, but I never gave them permission to charge me because I dont feel like their services warrant {$30.00} a month

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 2023-01-30
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Our Savings account with Citibank was compromised on XX/XX/XXXX, so they froze all of our accounts ( Checking and Savings ) and began an investigation. We were told to open new accounts which we did immediately. We received new debit cards, etc. On XX/XX/XXXX, our accounts were closed with no warning. I received an email on XX/XX/XXXX stating " Based on a recent review of your Citibank XXXX XXXX ) Savings Plus Account account, we found that you have violated the terms of your account per the client manual. As a result, your Citibank ( XXXX ) XXXX XXXX Account account and any other Citi accounts you have will be closed within 60 days of the date of this communication. All of your accounts are now restricted from receiving deposits or credits, effective immediately. '' Additionally, in the email it stated " If you believe these funds should be sent to you sooner than the expected closing date, please visit your local branch or call the number on the back of your ATM/debit card. '' We visited the Citibank branch in XXXX, VA on XX/XX/XXXX to see if they could help us and they did nothing. We were told we would receive all of the funds in our accounts in 30-60 days. They froze access to all of our money, meaning we can not withdraw or use it. How do they expect people to live in this situation? We have no access to our own cash. They closed our accounts but we can't have our money immediately? Make it make sense.

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