BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-06
Company: FIFTH THIRD FINANCIAL CORPORATION
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 status incorrect

Complaint:
Fifth Third Bank acted in violation of SEC. 1464 of the The Dodd Frank Wall Street Reform and Consumer Protection ACT by failing to promptly report the home loan payment I made via their online portal on Saturday XX/XX/XXXX, instead they reported a payment date of XX/XX/XXXX which resulted in their reporting of my account as delinquent to the credit reporting agencies for XX/XX/XXXX. It is a verifiable fact that my home loan payment was initiated on the afternoon of Saturday XX/XX/XXXX. 

I have reached out directly to Fifth Third Bank twice to resolve this issue, first via e-mail to XXXX XXXX and XXXX XXXX on XX/XX/XXXX and later via e-mail to XXXX XXXX on XX/XX/XXXX. Both times, I subsequently received letters dated XX/XX/XXXX and XX/XX/XXXX signed by XXXX XXXX, XXXX XXXX XXXX XXXX, outlining their refusal to correct the payment date- The stated reason in the former letter being that the Bank 's Account Rules and Regulations explains that they have cut-off times for processing payment orders and in the latter that the calendar on XXXX prefills with the earliest payment date possible ( in this case Tuesday, XX/XX/XXXX ). 

I assert the following : *The only specific cutoff time listed on XXXX is XXXX XXXX XXXX for mobile deposits. If Fifth Third* Bank designates home loan payments as deposits, my aforementioned payment on XXXX was made well in advance of the XXXX XXXX ET cutoff time on XX/XX/XXXX * Fifth Third Bank 's Deposit Account Rules and Regulations specify neither days ( e.g. XXXX ) nor holidays when payments orders are not accepted, nor do they specify cut-off times * XXXX states on the following on their website " ... our online digital banking is always here for you anytime when you login at XXXX. Plus, XXXX message support is available in our mobile app and online '' - One should reasonably assume truth in advertising, to wit-that one would not expect it take XXXX hours for a payment made to Fifth Third bank via XXXX to post to one 's home loan account- prefilled calendar dates notwithstanding. If the Bank promotes their digital banking as available anytime, it isn't ethical or legal for Fifth Third Bank to penalize consumers for accepting that assertion at face value.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: DISCOVER BANK
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Im the victim of identity theft and I did NOT open or authorize a Discover account ending in XXXX with balance of {$13000.00}. I requested Discover bank to investigate this fraudulent account, and they were concluded that I'm responsible for this account and the balance. I didn't agree with the investigation result, so I sent an appeal letter to Discover bank request to re-investigate. In the appeal letter, I have enclosed the copy of my FTC identity theft report, Police report case number, and copy of my IDs supporting my position. However, Discover bank did not conduct re-investigation due to " not enough evidence ''. However, the evidence is very obvious, because the address that was listed on the fraudulent account was NOT even my address, that means Discover bank enable this fraud happened because they allowed someone to use my name with an incorrect address to open a credit card account that I didn't authorize. I filed a police report about this identity theft and the case is still under active investigation. I provided my case number to Discover bank with the hope that they will work with local law enforcement to protect my right. However, Discover bank did not contact the police department for information and did not even take effort to re-investigate this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have recently been informed that there is negative information reported by Experian, for a debt/charge off for {$6800.00}. from XXXX ''. I sent XXXX, ( who Experian reports as there CEO ) a certified letter via USPS requiring a signature, requesting " verification '' pursuant to the " Fair Debt Collection Practices Act of this " debt/charge off for {$6800.00} from XXXX '' Verification meaning competent evidence bearing my signature. Experian received my letter on XX/XX/2017. In my letter I requested for them to remove this " debt/charge off for {$6800.00}. from XXXX '' from my report if they could not provide me with competent verification with my signature. I want this " debt/charge off for {$6800.00}. from XXXX '' removed. Experian did not provide me with any competent verification of this " debt/charge off for {$6800.00} from XXXX '' bearing my signature.

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 2017-03-31
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Back some time ago a LOT of credit cards were opened with my information mysteriously as soon ( or close to ) turning XXXX. For example I had a XXXX dollar credit card opened with XXXX. When I found out, It was a little too late because the perpetrators have gobbled up all the money. Not knowing what to do, I went to my local XXXX. I spoke with someone and told them someone stole my identity and opened a lot of credit cards with my information. I was turned away and I was told to start paying the amount owed. The representative said " They MUST of gotten the information from somewhere '' " It 's probably someone you know '' and I was n't offered any help. Well here we are, I have an XXXX credit card, XXXX card, and the largest XXXX cards that were opened without my knowledge. Considering I did n't open any of these credit cards, I 'd like to find out some help or advise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-08-03
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My card information was stolen by someone and was used and bring my account in a negative, yes its my account but it was stolen and used

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 2020-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts and a bankruptcy. Please remove these fraudulent accounts from my report as soon as possible. 

XXXX XXXX {$130.00} XXXX XXXX XXXX   XXXX {$160.00} COLLECTIONS XXXX {$180.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00}

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 2020-04-02
Company: Comerica
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Problems started XX/XX/2020 when I noticed I did not have a pending direct deposit that was supposed to go to my bank Direct Express I called them on XX/XX/2020 and I was informed that the deposit was made but no funds were available in my account and I did not have any holds or suspensions on my account. I was told the funds would be available 2 -3 days after received at their bank, I disputed the statement because normally after funds are released to bank, they are immediately made available. I was informed by Supervisor XX/XX/2020 that the problem was with the Dept of VA  who is paying agency. Spoke with VA and they explained in, full detail the direct deposit process ... .funds were released from Dept of Treasury on XX/XX/2020, approximately 4-5 days after the funds will then be released to your bank granted that you don't have any holds or suspensions, which in my case I did not have, bottom line is this bank has a 1 rating with XXXX  and has generated close to 1000 complaints regarding same issue I am having and the government and FDIC are doing nothing to protect and guarantee we will retrieve our funds

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 file a formal complaint against TransUnion regarding inaccurate information on my credit report. On XX/XX/XXXX, I contacted TransUnion to dispute the following inaccuracies, but to date, I have not received any response. The details of the disputed accounts and the necessary corrections are outlined below : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$520.00} Please remove it from my credit report. 
XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$5500.00} Please remove it from my credit report. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} Please remove it from my credit report. 
XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00} Please remove it from my credit report. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Please remove it from my credit report. 
XXXX Date Opened : XX/XX/XXXX Balance : {$220.00} Original Creditor : XXXX XXXX XXXX Please remove it from my credit report. 
XXXX  Date Opened : XX/XX/XXXX Balance : {$190.00} Please remove it from my 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 non-monetary relief
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2019-10-15
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I can not get Equifax to lift my credit freeze or respond to my complaints. Last XX/XX/XXXX, I  requested that Equifax permanently lift the freeze because I was never able to use their website or the PIN they gave me to manage my credit freezes. Every time I called, I was answered by a call center employee who either told me to fax or mail my request ( both of which I have done multiple times ) or to " rest assured '' they would fix the matter soon. I never got a response. I am now applying for a mortgage and can not get pre-approval for a loan because my bank can not pull my Equifax credit score because the freeze is still in place. I have called Equifax multiple times, faxed my request, mailed my request, chatted with agents online, and asked to speak to a someone with the ability to help me. There is never a response beyond being told I should rest assured they will email me or advise me in 5-7 days when my fax/mail is processed. It never occurs - I never hear back from them. Their telephone verification system does not work and the people in the call center can't do anything. I've spoken with 10 different agents today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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 one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX and XXXX XXXX XXXX. Please delete these accounts ASAP.

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 2023-06-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Citizens Bank Mastercard obtained with a limit of {$800.00}. Payments due XX/XX/ for roughly {$30.00} submit week of XX/XX/ for {$60.00}, confirmation # XXXX. 

I have received correspondence from Citizens Bank stating that they have decreased my limit to {$300.00} from {$800.00}. 

My payment is less than 30 days late and a violation. Payment invoice received for XXXX XXXX All other months obsolete.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Didn't receive services that were advertised

Complaint:
i been a victim of idenity theft and had various accounts opened in my name with adverse affects to my credit worthiness and financial situation i cant open a bank account get a loan a credit card i cant even cash a XXXX check at XXXX. because of that i am forced to be on publIc assistance i have several checks i cant cash no bank will cash it no check cashing place will cash it who is the regulatory agency responsible for that because there guilty of defamation because i am being forced into poverty per whatever policies they are enforcing on me. whos responsible all the reporting agencies the regulatory agencies. i cant even claim my minors account because they wont let me use the account.. i am victim of idenity theft and by your inactions an infant and under the baby act. so why are contracts being enforced on me negatively. cfpb does nothing that benifits me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2019-07-29
Company: UNITED COMMUNITY BANK
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/XXXX I made two purchases online : XXXX XXXX   XXXX MD XXXX XXXX XXXX   XXXX MD XXXX The coins I got were fake. I contacted the seller he never responded. I mailed them back. This bank has basically said so far that I either knew they were fake coins and I didn't send them back I'm not sure where they're coming from in their refusal. I guess they don't believe me and that is unacceptable. The complaints will go on until this is completely investigated.

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 2017-04-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Other

Complaint:
For the past several years - at least 3 and probably more - I am continually being asked by Capital One to update my income. I have received letters about this via the US Postal Service. I have received emails about this to the email address Capital One keeps on file for me. And immediately after logging into my Capital One account I continue to receive numerous notifications telling me to update my income information. A few years ago when this first started these income requests were infrequent - approximately once every 2 or 3 months. In the last three months, the requests have been more frequent. They now only occur immediately after I log into my Capital One account, approximately every 3rd or 4th time I log into my account. 

Due to this increased frequency, on XX/XX/2017, I called the Capital One Executive Office at XXXX. I talked to XXXX. Essentially I told him what I described above. My purpose for calling the Capital One Executive Office, and not the regular Capital One credit card phone number, was due to my desire to speak with someone who could put an end to this - to cease these continued and continual requests for the same information that Capital One already has. Towards the end of our conversation, as I pointed out to XXXX and as XXXX acknowledged, my providing this information is voluntary. And as XXXX explained to me, I have the right not to update this information. 

Unfortunately, the phone call to the Capital One Executive Office was completely ineffective. The frequency with which I am being asked for this information has continued unabated. But as of today, XX/XX/2017, Capital One added a new twist to this. Prior to XX/XX/XXXX, when I got this screen immediately after logging into my account, I had one of two options to choose. Option # 1 was to continue ( to update my income ). Option # 2 was something to the effect of " remind me later '', or " not now '', or " go to my account ''. In other words, prior to XX/XX/2017, I could choose to ignore this screen and go directly to my account. But as of XX/XX/XXXX, only one option existed - " continue ''. So what Capital One did as of XX/XX/XXXX was to force me to go to the next page to update my income. If I did not do this, Capital One provided no other way for me to bypass this and access my account. In essence, I was denied access to my credit card account information. I have attached a PDF version of the income request screen as it appeared on XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: HYUNDAI CAPITAL AMERICA
State: FL
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:
I was at a dealership, XXXX XXXX on XXXX XXXX in XXXX XXXX XXXX Florida. They told me they were just going to do a soft credit check to see my credit score and I only authorized for that to be checked. They then without my authorization ran my social through a Kia Motor Finance without even asking me if they could that. I asked them about it because the sales person was acting very strange and did not bring a manager over, I asked her if they were doing something else, I specifically asked that my social would not be run through anything else because I did not give any authorization for it. She said they had not run anything yet but they in fact did and that affected my credit score. I want to report this because that affected my score without my authorization and I strongly believe that should be done about this. I did not want to check for any financing or loans we had not gotten to the point of discussing any of that and they lied to me, she told me they did not run my social and that they did not do any hard inquiries and they actually did. I want something to be done.

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