BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2020 I deposited 3 amounts, XXXX, XXXX, and XXXX. I had a positive balance in my account prior to making the deposits of XXXX as shown to me both on the web application for Citizens bank and the mobile application. I took screen shots of the mobile application. Two of the amounts were checks and did show on hold but appeared to credit my account on XX/XX/2020. I can show this in a screen shot as well. I had a positive ending balance on XX/XX/2020. I was charged overdraft fees on XX/XX/2020 of XXXX, 7 overdrafts at XXXX each. This caused my account to go negative and generated true overdraft transactions. I was then again charged overdraft fees for those transactions and then again today on the XXXX. At no time was my account negative where I was shown the reasoning for the overdrafts. It is deceptive practice fr Citizens Bank to have done this! I am now almost XXXX negative, XXXX that was caused by Citizens Bank and XXXX I do not have. I indicated to the that if they are seeing something different than I am on the front end application through the web or mobile then it is deceptive to the user, me. I want the charges reversed and the admittance of a mistake or a blatant misleading to the consumer. I understand if I was negative and charges went through that forced a negative balance but in this case it did not. And the overdraft charges are continuing to cause overdrafts. I called the Federal Trade Commission and they gave me your information. How can they do this to someone in this time with all that is going on? Did they think I wouldnt notice the positive balance in my checking account?? How can you cause someone to go XXXX negative??? 

I was part of a class action several years ago where Citizens did this type of thing to many people, it was determined as deceptive and many were awarded refunds. I received a refund of all the overdrafts for a period of time. 

I want the charges reversed. I did not cause this issue Citizens did, and charging me for something that was not an issue as far as I could see is not right.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-25
Company: EQUIFAX, INC.
State: AL
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 was shocked when I reviewed my credit report this week and I found multiple inaccuracies of late payments still on my credit report from the 3 major credit bureaus after I was told this was fixed. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported this reporting was inaccurate. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand that these reporting statuses be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
UNDER 15 usc 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. NOW XXXX XXXX AND DESISTING The ALLEGED DEBT. UNDER FEDERAL LAW 15 USC 1692c.

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 2021-06-25
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In XXXX, XXXX I went to a call dealership ( XXXX  XXXX XXXX in NJ XXXX to purchase a new XXXX XXXX. I already had the financing and approval from my credit union XXXX XXXX XXXX XXXX XXXX XXXX for the full amount of the car purchase. My application ( for vehicle registration purposes only ), had my personal information on it. Upon looking at my credit report, I noticed SEVERAL inquiries to various credit lending institutions for car loans without my permission. 
XX/XX/XXXX : Contacted each of the lenders and advised that I did not authorize these inquiries, and was directed to contact Experian directly. 
XX/XX/XXXX : Spoke with Experian Fraud Department Supervisor ( XXXX, XXXX Team ) after the first " offshore '' representative falsely advised me that " a company has the right to run your credit report if they want to without your permission ''. The Supervisor stated that the six ( 6 ) credit inquiries that appeared on my credit report ( none of which resulted in an OPEN/APPROVED account ) were attached to my legitimate open account with XXXX XXXX XXXX XXXX. This is impossible because XXXX XXXX XXXX XXXX is a direct lender. The inquiries for XXXX  XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX ) were WITHOUT authorization and should be removed immediately. Experian has REFUSED to remove them. They are impacting negatively on my credit score and have caused adverse actions for credit. 
XX/XX/XXXX : Downloaded fresh copy of my credit report from XXXX. Highlighted all unauthorized inquiries ( attempted to have each of these removed from Experian who refused ).

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 2021-06-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
TOO MANY OVERDRAFT FEES

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My wife and I had XXXX XXXX until we moved to a different house. Because of where we were moving to XXXX was not the best service for our new location so we canceled it. It took us a while to get settled into our new home and the equipment got put into a box that we didnt realize never got unpacked until quite a while later. When we came upon the equipment my wife called and spoke to someone and asked if we were being charged for it. They advised that an amount of {$770.00} was being charged for the 3 boxes that we had. She asked if we submitted them back if that amount would be taken off and we were assured that it would be. My wife got a XXXX XXXX XXXX XXXX XXXX return Reciept from the person she spoke with and went to the XXXX store the next day, which was XX/XX/17. The XXXX XXXX XXXX representative said to make sure that we kept the reciept and proof that it was sent back. Just recently I got a credit alert that there was a new debt in collections for {$770.00} through IC Systems on behalf of XXXX XXXX XXXX. I immmediately called XXXX XXXX XXXX and told them what happened provided them with the information from my reciept and the woman I spoke with said no problem she would submit a case and it would get taken care of. That was over two weeks ago and this collection is still on my account. I called back, spoke with a XXXX and she advised the case I had submitted was rejected because it was over the allowed timeline to submit the equipment and I would still be charged with it. I told her that no one had ever mentioned to us since the day we returned the equipment that we would be over a time limit to return it- and we were absolutely not informed that even if they received the equipment back we would still be charged. I explained all of this to XXXX, who basically said that I was told wrong information and there wasnt anything she could do. I find this very frustrating and ridiculous. As soon as we found our equipment we tried to make it right with XXXX XXXX XXXX and were told it would all be taken care of. Why go through the trouble of waiting in line at a XXXX store and hanging onto this paperwork for over a year if we werent going to have those charges removed? I would like XXXX XXXX XXXX to honor their word and remove the charges- since they can confirm they DO have the equipment we sent back to them and we were never told about this mysteries deadline until today when I was told my request was rejected.

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 2018-10-30
Company: KEYCORP
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Purchased a boat in XXXX Filed Bankruptcy in XXXX Paid off loan through bankruptcy in XXXX received credit balance check on XX/XX/XXXX Bank will not send title

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: Midwest Recovery Systems
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 sent a certified letter to the company multiple times and tried to call the company to remove the inquiry from my credit report and was informed to contact the company that did the inquiry to have them remove the inquiry from credit report. I contacted the company and was informed by the company to contact the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
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 Filed a complaint with the cfpb earlier this month and XXXX ADDED more incorrect late payments on my already incorrect credit report! I'm beginning to get stressed about this situation Please fix it ASAP. 


XXXX XXXX- I was never late on XX/XX/XXXX XXXX XXXX- I was never late XX/XX/XXXX XXXX Have never done business with a company XXXX XXXX XXXX Account was in forbearance and is in good standing but reporting with lates. XXXX XXXX XXXX XXXX Never validated XXXX XXXX I was never late XX/XX/XXXX this is a closed account and was a bank error! XXXX XXXX - This account has been up to date for over 9 years and they won't respond to my request to update it.

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 2017-06-28
Company: CITIBANK, N.A.
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To make a very long story short, debt collector XXXX XXXX XXXX for XXXX XXXX XXXX is not in the business off collecting debt but stealing funds as they please. They attached my bank accounts and wages 3 years ago. When I called to find out for what account, how much I owed, and why I have n't received correspondence I was rudely spoken to and hung up on several times by a XXXX. I ended up having to go to them in person to have my questions answered and address updated. It was then that I told them they can call me, my phone # has been the same but addresses change. The statement they ended up sending me did not make any sense. The original debt was {$800.00}. Now somehow it 's over {$2500.00}, so I disagreed with what was owed. Also due to the attachment and wage garnish, they were receiving payments from me. They failed to send me records of this. I never received or heard from them for 3 years, no calls and no mail. Time passed by and I forgot about the whole ordeal until another attachment to my bank account was made this time taking close to {$2000.00}. I called this morning to find out how this can be happening again. They said it 's my fault I should of called them when I moved. I called the court to see where they have been sending my mail and it 's to the same address prior to me changing it with them. No one lives at that address, I told them that before. They 've never filed with the credit bureau so I would n't of known that way either. The original debt is over 13 years old, I really do n't know how this still exists. I tried calling to set something up for repayment but again rudely spoken to by the same XXXX. This time I was prepared and did n't allow it to hurt me. I am a XXXX mom with a XXXX XXXX  old baby. This debt collector has not tried at all to contact me effectively. They withdrew every dollar I had in my account, my spouse 's as well because we have joint accounts. My rent is due in a few days, it 's now gone. I 'm out on XXXX XXXX so not working. I 'm only XXXX XXXX XXXX because I believe the Lord is my provider and will get my family through this. I am not disputing I owe a debt but the amounts appear illegitimate and the debt collectors handling is inhumane and unsympathetic.

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 2018-10-30
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX XXXX reached out to me to accept a 4 day/3 night vacation deal to XXXX XXXX, SC @ {$190.00}. I accepted, however after thinking about it, I decided to cancel since I was told I can do so anytime prior to the vacation. I called them the next day XX/XX/XXXX to cancel and was told it was non-refundable. I sent the company a dispute email requesting a refund and again was told the same. I contacted Best Buy Credit Card services to dispute the charge, I wrote them a letter and they refunded my acct. {$190.00}. I later received a letter in XXXX from Best Buy Credit Services stating after their investigation, they determined I was responsible for the fee and they recharged my account the amount of {$190.00}. I am still disputing this charge because I don't want to pay for something I'm not going to use.

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 2020-05-14
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Ive just reviewed my credit report and I noticed there are two inaccurate late payment items on my report as follows : XXXX XXXX Acct : XXXX : This account is listed as being 30 days late for XXXX of XXXX and XXXX of XXXX. I was never late while paying on this account. 

Under the FCRA, erroneous/inaccurate/unverified/unvalidated late payments must be removed. 

I demand that Experian changes any and all of the inaccurate, erroneous, unverified, and unvalidated late payment marks on my XXXX XXXX account to " paid as agreed ''.

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 2021-10-31
Company: Experian Information Solutions Inc.
State: NV
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 am a consumer and I feel that my federally protected consumer rights have been violated. Ive contacted the companies that have been reporting on my consumer report and they told me that they do not operate under the Fair Credit Reporting Act and that they dont have to follow under Congress Guidelines 15 USC 1681. I have sent copies of the violations to the credit bureaus and companies but they have ignored everything that I have sent them assholes. The violations included : 15 USC 1681b ( a ) ( 2 ) 15 USC 1681c ( a ) ( 5 ) 15 USC 1692g. 

I never have written consent to any of these XXXX who caused me injury by reporting false and inaccurate items on my consumer report. These items have caused denial of extension of credit, denial of bank accounts, and denials of loans. These are the accounts that I wish to be removed from my consumer report : DEPT OF ED/XXXX  acct # ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # -XXXX XXXX XXXXS acct # -XXXX XXXX acct # -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 2018-10-30
Company: EQUIFAX, INC.
State: MS
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 have disputed the collection accounts with Equifax for several attempts, to no avail XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX They did not give me evidence or verification as to why they will not remove the accounts. The error has affected my credit score tremendously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have not been able to work through a huge issue I have with paying a credit card that accumulated to almost {$9000.00} with CAPITAL ONE while a college XXXX. Below is an email I sent to the President of CAPITAL ONE last Friday and have not received any answer. I need help or at least communication so I can work through my problem. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One Financial Corp XXXX XXXX   XXXX XXXX XXXX VA XXXX XXXX XXXX, I have recently XXXX from college and have not secured a full time job yet. I have been working part-time for years while going to college. I am XXXX XXXX XXXX. 

I have a Capital One Credit card that started out with a lower limit and then increased to {$9000.00}. My annual income is approximately {$20000.00}. At one time during college, I was working full time and earning approximately {$31000.00}. 

I called Capital One customer service two weeks ago to ask if I could get a lower interest rate ( currently around 25 % ). Each month I pay on this card, {$200.00} goes toward interest and {$100.00} toward the balance. I can not get ahead and simply need help. They told me it was not an option. I explained with college loans and other debts, I owe approximately {$6500.00} in total debts and need to work with Capital One on paying off this credit card. Again, the customer service representative said they had nothing they could do to assist me. I then had my mother speak to them since she is helping me pay the monthly payments. She needed to leave but took her cell phone and continued talking to your company representative. She asked that the card be cancelled and they told her that it could not be cancelled. They said I needed to be on the phone again, although I had given her the authority to speak on my behalf. 

I thought about filing bankruptcy but do not want to list that on applications for employment. I also want to pay off this credit card but simply can't. 

I really need your help. I am a hard working college XXXX. I have paid my debts up until now but this Capital One Card has gotten out of control. Can we get the card cancelled? Can I get the growing interest stopped or lowered? 

It is not possible that I pay off this Capital One Credit Card without help from Capital One in stopping the huge interest charges. 

Can you please help me? 

Respectfully,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: AFNI INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
in XXXX my XXXX son XXXX XXXX DOB XX/XX/1995 was a victim of id theft. The thieves racked up XXXX XXXX of dollars in credit card, cell phone and other misc. bills. We filed a complaint with department of aging and other entities and even put a fraud alert on his credit. since then he has been constantly being sent to collections for a XXXX bill he is not responsible for. The address on file is a unknown address and my son has never lived there seeing is that he is XXXX and lives with me. I advised the collections rep but was getting no where and this is becoming very stressful for us please help!! The amount is XXXX but its the principal. his ss num XXXX his address is XXXX XXXX XXXXXXXX XXXX  XXXX XXXX ga XXXX i do not have the XXXX   account number but the collection company is AFNI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed dispute with Discover on XX/XX/2021. The final resolution was due 90 days after the dispute. Discover reverse the credit for dispute without any explanation or giving me a chance to respond. Discover mishandled the dispute and reported me to Credit Bureau unfairly and damaged my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
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: Information belongs to someone else

Complaint:
showing inquires that are not mine and a collection filed ftc and 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