BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Tuesday XX/XX/2021, I was notified by email by Capital One that activity on four of my bank accounts XXXX one checking and three savings accounts ) was being restricted due to suspected unusual activity. I was provided a reference number of XXXX. The email stated, We noticed unusual activity on your account ending in XXXX. For your protection, were restricting your Capital One Bank account ( s ) until we verify some recent activity. A restricted account may prevent you from withdrawing money or completing pending transactions, though you can still deposit money. Shortly thereafter, I received another email stating, We may contact you to confirm this activity. We're restricting your Capital One 360 account ( s ) until we can verify your recent account activity. Based on the results of our review, your account ( s ) may be closed and your balance - plus all interest earned - will be transferred to your linked external checking account. I have since contacted the telephone number provided ( XXXX ) several times to learn that this action was prompted by a direct deposit of {$12000.00}, the proceeds of a SBA Payroll Protection Program ( PPP ) loan, being deposited into my account. As far as I can ascertain Capital One objects to this deposit coming into my personal checking account. I am a sole proprietor and was unaware that I could not use my account for the limited business activity that I have. I have offered to open a business checking account at Capital One to resolve this matter. I have been told that this matter is being investigated by a fraud investigator under XXXX # XXXX. No one has contacted me about resolution of this matter and I have not been able to contact the investigator. 

It has been 6 days since I have been informed that my accounts have been restricted. Not only do I need the PPP loan proceeds but I need to access the funds in my accounts. Capital Ones actions are creating a severe hardship for me personally. I need to get this matter resolved as soon as possible. They have no right to restrict my access to the loan proceeds and my account funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been a Capital One Credit Card holder with the same card since XXXX. Since then I have started to use credit cards less because of my financial situation. I actually don't use this credit card at all for the last two years. I have called them directly multiple times in the last three years to downgrade my current card that has a {$59.00} annual fee to another card with no fee. They have multiple cards that they can downgrade me too with no fees. This downgrade would allow my to keep my 14 year credit history with this card. 

For the last three years, I have called them prior to my annual fee anniversary to either downgrade my card. They have always said there is " No Downgrade Promotion '' right now but check again later. I feel this is a scam where they are holding my credit history XXXX for $ XXXX. The only way out is to cancel the card and let my credit get a hit. 

Here is the scam : They said that sometimes they're supposedly " upgrade/downgrade '' promotions by the marking department that is released, but they don't tell consumers. You have to call them to find out about them. Also these are time sensitive promotions. So unless I call EVERY DAY, I probably missed it. I have never heard of a promotion to upgrade/downgrade in the three years I have randomly called them. 

On XX/XX/XXXX, I called knowing XX/XX/XXXX was my card anniversary and the day before the annual fee was posted. They said I have to call after XX/XX/XXXX, because they can't help me till the annual fee has been posted. On XX/XX/XXXX I saw that my annual fee was posted online. I called and they said I should had called before the posting, because the agent would had checked if there was any pre-anniversary offers. What? But I did! 

They advised me to use the credit card to offset the {$59.00} annual fee by earning points. At XXXX cent per point, I have to spend {$59000.00} to cover my {$59.00} annual fee!!! This is highway robbery! PLEASE LOOK INTO THIS!!!! This is so wrong, they are taking advantage of consumers via a technical loophole. 

I have companied to the XXXX and gotten my {$59.00} annual fee back for this year. But, I want a down grade. I don't want this to happen to other Americans. They are holding our credit history as ransom for the cost of the annual fee! There is no way you can downgrade your card because the process of downgrading is purposely made difficult if not impossible by Capital One. The longer you are with the company, the more likely you are to pay the fee to keep your credit history. It's an ingenious trap and so so wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Resurgent Capital Services L.P.
State: FL
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 am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/XXXX, we had 2 representatives from Home Depot come to our home to give us a quote for cabinet refacing. After about 2 hours of picking colors and design, they gave us a quote for {$27000.00}. They also told us that we can call Citi and let them know we are doing a project at our home to have our credit line increased to take advantage of the 2 year 0 % interest. In XXXX, we opened a Home Depot credit card that extended {$8000.00} credit line, we requested an increase to {$28000.00} which was declined. We called and spoke to several representatives and none of them would allow the increase. After researching online, this seems to be a repetitive practice of Citi and Home Depot. The sales rep and his manager claimed they very rarely have anyone denied for the increase. Our credit score is XXXX, household income of over {$300000.00} and {$50000.00} in savings. We have more than enough money to pay in cash for the project, but with 2 years at 0 % interest, we want to keep the money in our money market account. My husband and I are both in lending, been in our home for 15 years and on our jobs for over 4 years. After asking multiple representatives at Citi what the real reason was for the decline, they said that we would get a letter. This is unfair lending in every aspect. 

The reasons for the denial are completely inaccurate. All of our revolving debt is under 30 % in comparison to the balance. Most of the revolving cards don't carry balances. When asked about the additional denial reasons : length of time accounts have been established, too many accounts with balances and time since opening most recent account opening is too short. We asked how long accounts need to be established, how many accounts can we have open with balances and how much time we need since opening the most recent account, the Citi representative said they could not give answers to those to consumers. I asked why they couldn't and the representative said that if they told me that, everyone could get approved for no interest credit and they would go out of business. So, long story short, Citi offers a Home Depot store card at 0 % interest, but will not tell you their guidelines for obtaining the offer and therefore engages in deceptive lending practices.

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 2021-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a text stating : This is an automated message- Last attempt!!! this message is intended for XXXX XXXX. Complaint in process of being Filed out of XXXX. Please contact Issuing Firm at XXXX / Reference # XXXX I called the number and we got into a heated conversation with someone claiming to be Mr. XXXX. 
He threatened me with a law suit. When I accused him of a scam, he read out my Social Security number and my date of Birth and my current residential address. He then threatened me with knowing all of my personal and financial information ... 
I don't know if I should now cancel all of my credit cards : change all of my passwords with my banking and stock trading platforms ASAP .... I feel like my whole self and family are now in danger of being scammed or in danger ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: ENOVA INTERNATIONAL, INC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I was looking for a loan for new furniture. I got notified of a pre approved loan opportunity with netcredit. After looking at it, it first said {$6800.00}, 36 months, When I was finally ready to get the loan, I got to the contract and it was {$270.00}, bi-weekly for 71 months. So once I saw the terms had changed I closed it out and did not request the loan. On XX/XX/XXXX I received a letter of denial. I never made the request or signed anything electronically. My credit score dropped 30 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I did not consent to authorize the sharing of my nonpublic information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never given proper disclosures or the ability to opt out of my info being shared. I have not benefited from any of these transactions. I believe I am a victim of Identity theft. Please block, delete, and remove them immediately from my consumer report. 
Also, I did not consent to authorize the sharing of my nonpublic information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 has reasonable cause to believe that the information is inaccurate.

Also, they aren't even in compliance with Metro 2 credit reporting.

I have evidence to prove my case!

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 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 confidentiality under 15 USC 1681. 

XXXX XXXX XXXX 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 15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 has reasonable cause to believe that the information is inaccurate.

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 2023-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have a credit card with Capital One Bank in which I have always made payments on time, for reasons unbeknownst to me, my financial institute XXXXXXXX XXXX blocked all of my payments to Capital One for the month of XX/XX/XXXX & XX/XX/XXXX. I provided Capital One with a letter directly from XXXX XXXX confirming that they made the error. 

Capital One sent me a letter yesterday in return stating that the information reporting on the credit report is correct. 

It is not fair that I am being penalized and that my credit rating is being blemished for something that is not my fault. I can also not reach anyone at Capital One to discuss - when I call up the # on the credit card I am being told that the dispute dept is a separate dept. and they do not have a phone #, fax # or email contact - only a mailing address, how can that be allowed?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XX/XX/21 XXXX deposited {$1500.00} in my account which was my unemployment money. On XX/XX/21 {$1400.00} was stolen from my account through approximately XXXX charges of XXXX cents ( possibly some charges were more ) from " XXXX XXXX ''. I contacted Bank of America XXXX and " XXXX '' opened XXXX ( XXXX ) claims. I was later told the employee was in error in opening so many claims. I have made numerous calls regarding this matter to the XXXX Department. On one occasion I spent more than 90 minutes on the phone with a Supervisor who refused to put me in contact with the group researching and working on this situation. To this date Bank of America has credited back only {$940.00} and still owes me {$550.00}. After more calls seeking return of my funds, on XX/XX/21 there appeared numerous XXXX cent " XXXX XXXX '' XXXX leaving me with a negative balance of $ XXXX showing in this account. I contacted Bank of America XXXX again on XX/XX/21 and " XXXX '' filed a complaint on my behalf. Now I have received a letter from Bank of America dated XX/XX/21 referring to only one of the claim numbers for {$190.00} stating " No posting error has occurred on your account. '' and " ... we're unable to credit your account and we now consider this dispute closed. ''

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 2023-02-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I had 3 deferred payments on an auto loan, and was not made aware that the total balance would be due when the loan matured. No one stated this to me when I deferred the payments. 

Because no one told me this would happen, my credit score dropped XXXX points. To some it may not seem like much, but for those of us who are trying to build credit, it has a high impact. 

No one in the company put any effort in to helping me on this issue. In fact, a supervisor called me back 24 HOURS AFTER I had put in a call back request just to pacify me, and rudely implied that there is nothing they can do about it. 

It was reported that I owed a balance that is {$200.00} more than the representative told me I actually owe. 

This isnt the first time Ive had communication issues with the bank. 
It is almost impossible to speak to someone without being on hold, or constantly updating contact information that has stayed the exact same. 

I figured this bank would fairly treat its valued customers they seem to address us as. I would advise anyone against using this bank due to their lack of customer service and transparency in the loan process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Albert Corporation
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XXXX XXXX  /Albert Bank . This bank is not processing my refund from XXXX who has confirmed that XXXX XXXX /Albert has received my funds XXXX business days ago. Also they are holding multiple small authorized holds for use of a water vending machine from 10 days ago and 5 days ago. Those transactions posted the same day they were made. XXXX XXXX / Albert is hiding behind the maximum time transactions are to be held in order to hold onto deposits. This is an unsavory practice and the vast majority of banks no longer do this as it is a predatory practice. I expect the XXXX {$2.00} authorizations to be released immediately and the {$59.00} from XXXX to be returned immediately.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
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:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account Name : XXXX XXXX  XXXX XXXX XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX XXXX Account name : XXXX # XXXX, Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 has reasonable cause to believe that the information is inaccurate.

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 2021-05-18
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to your company again as you continue to violate my rights as a consumer by having these fraudulent accounts on my credit report. I do not understand how it is possible you are able to verify these alleged accounts when it is clear that there are so many inaccuracies and incorrect information. Please remove these fraudulent accounts that are listed in the FTC Claim. I have reported this and included yet another FTC Affidavit. I also made a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
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:
Should Not Reporting On My Credit Report Under 15 U.S. Code 1681e ( b ) and 15 U.S. code 1681 ( 5 ) this acoount in violation not reporting 100 accurate it list the child support court as the furnisher thats forgery and misleading when the courts don't report this type of account should not be listed on my credit report I've never did any business with that company i did not authorize this account. List of other companies 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