BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-24
Company: Credit Management Control, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A spreadsheet provided as validation is not validation, this is an error I do not owe, remove this mistake

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Im writing in regards to synchrony bank with XXXX master card The company was very hard to work with 90 percent of them dont speak very good English and half the time I was trying to get my bill waived because I had some issues with my balance as Im trying to settle with my credit card company they just wouldnt work with me. Im severely disappointed and I have a major XXXX XXXX called XXXX and they just didnt care about my feelings my credit score is low because I was struggling to pay the bill as I didnt have a job at the time I was waiting for my XXXX income to show up I thought it was rude for them to disrespect me very much and not want to listen to what I had to say and ignore me I hope this doesnt happen to anyone else cause I had a horrible experience

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 2022-03-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Capital One On XX/XX/2022 I received a notification that someone applied for an account in my name and identity. However, it was not me. Upon this notification from XXXX I immediately filed a police report. I have also called Capital One to have the hard inquiry removed from the Credit report and the hard inquiry has not been removed going on two months now. Requesting for the hard inquiry to be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/18 and XX/XX/18, I was out of town and tried using non M & T Bank ATMs to withdraw money from my checking account. Unfortunately I was unable to access cash since my ATM privileges were blocked by M & T Bank. 

On XX/XX/18, I spoke to an M & T Bank representative regarding my inability to access cash using my ATM card while out of town. I was informed that I had to put in a travel notice prior to leaving town. After I spoke to the representative, I was able to withdraw money from the non M & T Bank ATM. 

On XX/XX/18, when I logged into my checking account online, I was surprised to see that I was hit with 5 different inquiry fees. In using the other bank 's ATM, I only agreed to pay the non M & T Bank ATM fee. I did not expect to be charged for 5 different inquiry fees and was not prompted by the ATM to accept any of these inquiry fees. I called an M & T representative to challenge these fees and the representative was only willing to reverse 3 of the 5 inquiry fees. 

I find it very unfair that no only was I blocked from accessing my account from another bank 's ATM, but that in my attempts to access cash, I was also hit with inquiry fees multiple times and in each case was not informed that I would be charged an inquiry fee. All XXXX inquiry fees should be reversed, not just 3 of them.

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 2023-05-02
Company: FIRST REPUBLIC BANK
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I went into the XXXX First Republic Branch last Friday to review my accounts and to ensure everything was secure. It was recommended I do a partial withdrawal from one of my CD accounts. 

1. Cashier 's Check amount should have been {$120000.00}. When I got home and looked at it, it was for {$120000.00}. I spent the last several days trying to get someone to help me with absolutely no luck. {$120000.00} was debited from my account AND a penalty was taken out in addition to this. 

2. Penalty Amount - I was previously informed that the early penalty withdrawal amount would not go into the principal amount however in this case, this is not what happened. CD was opened XX/XX/22 and all interest was taken away in addition to a penalty being charged. I believe this happened in error. 

3. I was informed it would be best to do a partial CD withdrawal and that if operations were to resume the following week, I could bring the Cashier 's Check back into the branch to deposit back into the CD however I was informed otherwise yesterday which is surprising considering it's " business as usual '' at the branches. 

Thanks and again I am in desperate need of your help!

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 2022-11-14
Company: CCS Financial Services, Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Credit Collection Services and XXXX is engaging in unlawful extortion means by knowingly furnishing false and misleading information while having reasonable cause to believe the information is inaccurate. This was done to coerce me into making a payment on an alleged debt without proof of claim. I DID NOT and I DO NOT consent to any negative information being disclosed to nonaffiliated third parties without my lawful authority. Credit Collection Services, XXXX and the consumer reporting agencies involved have used my nonpublic personal information without my lawful authority to bring harm to me and my financial reputation which violates 18 USC 1962 ( c ). XXXX transferred the account in reference without lawful authority to Credit Collection Services which is a violation of code 18 USC 1028 ( a ) ( 2 ). Credit Collection Services obtained my nonpublic personal information by illegal means and with ill intent. I failed to dispute the validity of the debt within the prescribed time period therefore resulted in unlawfully furnishing the debt to my consumer report which violates 15 USC 1692g ( c ). Furthermore I have never conducted business with Credit Collection Services and I have not benefited from this transaction which is also a violation. According to 15 USC 1602 ( p ) Credit Collection Services does not have actual authority for such use of my credit card defined under 15 1602 ( l ) and I received no benefit from this unlawful transaction. Without lawful authority, by using means of my identification Credit Collection Services is committing aggravated identity theft and attempting to collect on this account by extortionate means pursuant to 18 USC 894. I would like to inform Credit Collection Services that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability under code 15 USC 1692g ( c ). I have attempted to rectify this matter multiple times but due to the mutually beneficially business relationship Credit Collection Services has with the consumer reporting agencies, I have reason to believe they are engaging in racketeering activity. Multiple verified responses has proven that the consumer reporting agencies arent being impartial when it comes to respecting my right to privacy. Their conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of 15 U.S. Code 1. I am requesting notice of the amount of the alleged debt and the name of the original creditor 15 USC 1692g because I have not received notice containing the pertinent facts of this transaction which is a violation of 15 USC 1602 ( k ).

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Today ( XX/XX/2023 ), I received a letter ( copy attached ) dated XX/XX/2023 from LL Bean Mastercard ( issued by Citibank, N.A ) about my former account ending in XXXX. 

I closed the account shortly after becoming a victim of XXXX loss/theft and identity theft over a year ago, as I have advised Citi many times. I made a police report of the phone theft shortly after it occurred ( but was not aware of the identity theft ). 

I can not attach a copy of the report. My request for it was denied because the suspect was a juvenile ( see attached copy of the denial ). 

In response to the instructions in Citis latest letter, I called Customer Service ( XXXX ) and spoke with XXXX. She advised that a charge for XXXX antivirus, which I did not order, had been removed from my account recently, per my repeated requests for a mere year. 

Next XXXX informed me that I have a balance due of {$150.00}. When I asked why, she stated it was for finance and service charges, which had accrued on the recently removed XXXX antivirus charge. XXXX acknowledged that it should have been removed along with the bogus antivirus charge and put me on hold while she consulted her supervisor. 

I waited on hold for 15 minutes ( the entire call was half an hour ). The. XXXX advised me to call the security team on Mon. XX/XX/2023 as they do not work on weekends. 

Having been tormented grotesquely for attempting to communicate with Citi for over a year, I am not calling the security team, in which I have no confidence, Monday or ever. I have no complaint about XXXX, who was perfectly nice. 

My complaint is with the dysfunctional, dystopian, autocratic, techno-bureaucratic corporate-XXXX harassment to which Citi subjects me month after month after month. I am not paying {$150.00} or any amount of finance/service charge on a disputed underlying debt, which does not really exist, as Citis removal of it confirms. 

Please require Citi to stop trying to collect these illegitimate charges from me. Thank you.

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 2022-11-14
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX, I was a victim of grand larceny and identity theft after someone stole my phone and hacked into my email account and all of my banking apps. The thief hacked into my XXXX ID and was able to lock me out of it, so I no longer have access to anything that was on the physical phone. They still have access to my photos, notes and any XXXX ID apps like my notes or files apps. 

Once the thief got into my phone, they found my social security number on a document in my email and proceeded to open XXXX new credit cards, and then they added those credit cards to my XXXX XXXX. I believe they went into physical stores to use my XXXX XXXX on my XXXX. I reported this to the police who are actively investigating. 

The thief opened the following accounts in my name and spent : - XXXX Credit Card ( account ending in XXXX card ending in XXXX ) : They spent {$970.00} at XXXX XXXX on XX/XX/16 at XXXX XXXX ET -- see attached receipt and a letter from XXXX I XXXX saying that my address had changed. 

- XXXX Credit Card : Has a balance of {$6000.00}. The following charges were reported at these locations : XXXX XXXX XXXX XXXX {$3000.00} XXXX, XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX, XXXX  XXXX XXXX XXXX {$540.00}, XXXX am, XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX, XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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 XXXX XXXX XXXX  Account # XXXX, has violated my rights. I never written a letter to agree to furnish account without my consent. Consumer laws protect as this account violates my privacy against my will. its also a form of identity theft as well as my personal information is public. I will be filing a Identity Theft Report as well.

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 explanation
Consumer complaint received 2022-11-14
Company: SUNCOAST CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I had someone break into my account and steal everything. I filled out a fraud form and the bank said it would take 10 business days to investigate. i am on business day XXXX, I still have no access, no money and when I call, I get XXXX help. I live paycheck to paycheck and have had to max out credit cards and borrow money because I can not get into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This complaint is in regards to innacurate information on my credit report involving all three credit bureaus. I disputed the information by mail and have delivery confirmation. I was then notified the information was verified as accurate. I then requested a method of verificationn with delivery confirmation and expected a response with in 15 days. I have recieved a copy of my current credit report with either no changes or only some changes in most cases the changes weren't even relevant to my dispute. There however has been no method of verification whatsoever.

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 2023-10-04
Company: Experian Information Solutions Inc.
State: MD
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. US DEPT ED XXXX Balance Owed : {$7900.00} US DEPT ED XXXX Balance Owed : {$7900.00}.

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 2023-07-05
Company: EQUIFAX, 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:
On XX/XX/2023, per the FCRA, I notified XXXX XXXX XXXX that I elected to opt-out of any and all authorizations I may have provided them to provide my personal non-public information to any non-affiliated third party based on 15 USC 6802 .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05
Company: EQUIFAX, INC.
State: FL
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 to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$140.00} ; XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1100.00} XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2000.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
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 was a victim of identity theft, and i'm not sure how my credit keeps getting compromised however i need this off of my credit IMMEDIATELY!!! I have already filed a police report an a FTC report for this Incident and I've also filed a report with the 3 credit bureaus ( XXXX, XXXX, and also XXXX ) for this account. 

( Capital One ) ( Account # XXXX ) ( opened on XX/XX/2023 ) According to the FRA 605B of congress you'll have to comply with these Regulations of having this collection account closed and removed, and if not, I will be taking ( Capital One ) and also ( The three Credit Bureaus ) to court seeking punitive damages of {$1000.00} per occurrence. 
Thank You and I look forward to an instant resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
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:
I ask the credit bureaus to do a verification on my credit report which they did and said everything was accurate. I also did thorough research myself and found improper information on my report after the credit bureaus did their thorough research. Below you will find the Account name and account number. XXXX XXXX. In accordance with the Fair Credit Reporting Act XXXX Account : 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: SANTANDER HOLDINGS USA, INC.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
A checking account, for Santander Bank, was opened, on my name, by a scammer, XXXX XXXX. He stated, he deposited {$20000.00}, in to that account. I wrote a check, drawn to that account, on my account, at XXXX XXXX XXXX. The Santander account, is a real account, but my name, isn't on it! I needed to repay, XXXX XXXX XXXX. 
I contacted, both banks, without resolution. 
I have been in contact, with the Attorney General 's Office, who are also investigating this.

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 2021-05-12
Company: SYNCHRONY FINANCIAL
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeatedly call 5-10 times per day and email me 3-4 times per day, at all days and hours. It is extremely annoying!!! Today, for example has been XXXX XXXX  and XXXX XXXX  so far. Yesterday, it was XXXX XXXX, XXXX XXXX, XX/XX/XXXX, it was XXXX XXXX  and XXXX XXXX. It is getting to the point where I want to shut my phone off ; that is how frequently the calls are coming!

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 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
ON XX/XX/2022 I MAILED TRANSUNION A RE-INVESTIGATION OF DISPUTED ITEMS LETTER. THE MAIL WAS DELIVERED IN PERSON AND RECEIVED IN PERSON BY A REPRESENTATIVE OF THE COMPANY. UNDER THE 15 USC 1681 SECTION 611 THE COMPANY HAS 5 DAYS UPON RECEIVING A DISPUTE LETTER TO RESPOND BACK TO THE COMPLAINANT WITH A NOTICE OF DISPUTE SAID DISPUTE. I NEVER RECEIVED ANY CORRESPONDENCE FROM THE COMPANY OR A REPRESENTATIVE OF THE COMPANY TO DATE. TRANSUNION IS IN BLATANT VIOLATION OF THE LAW THAT GOVERNS THEIR LINE OF WORK, LEAVING MYSELF AND OTHER LIKE ME IN VULNERABLE AND IN DESPAIR. ATTACHED IS THE US POSTAL CERTIFIED MAIL NUMBER AND PROOF OF DELIVERY. IN RECOMPENSE, I DEMAND TRANSUNION REMOVE ALL ITEMS IN QUESTION.

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