BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
It XXXX, Citizens Bank charged me {$1900.00} in overdraft and returned item fees. I applied for overdraft protection and was denied. I accrued {$70.00} more in fees in the first month of XXXX and therefore closed my account. While I feel that Citizen Bank 's methods for processing payments, and their terms in general, are unscrupulous -- that is not my primary issue. My issue is that the bank has been harassing me for the past year, alleging that I " owe '' them hundreds of dollars. Any money that I " owe '' them is not from authorized purchases or debits from my account, it 's more bank fees that they have charged me -- and I have no intention of giving them any more of my money. Not to mention, I think their methods for collection ( calling 2x a day for months ) borders on harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: SC
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: Investigation took more than 30 days

Complaint:
I notified XXXX on XX/XX/2022 that they were furnishing inaccurate information on my consumer report. I also filed a formal complaint with the CFPB. XXXX responded stated that they would investigate the matter and get back to me in 60 days. I disagree with their investigation process because the FCRA states consumer agencies have 30 days to complete an investigation. So why is XXXX responding asking for 60 days. The extension for Covid 19 has ended.

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 2021-11-22
Company: Experian Information Solutions 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:
Experian has violated my FCRA right by reporting incorrect information on my credit report. I have been working with Experian since XX/XX/2021. I have sent numerous certified letter asking for full validation of the the late payment status of this account name XXXX XXXX XXXX Account number XXXX. Please direct Experian to do proper investigation and not just send request to third party vendor and come back to consumer and give me a status of " factual/ udapted ''. This is no proof. I have never been late for this account. This account is closed. The XXXX and XXXX have a status of " closed and Paid ''. Please remove this account from my Experian as the information on it is wrong.

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 2020-05-30
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM REQUESTING VALIDATION FOR THESE ACCOUNTS SHOWING ON MY CONSUMER REPORTS!

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 2020-06-11
Company: Experian Information Solutions Inc.
State: CO
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:
One particular issue is that I have disputed that my auto loan with XXXX XXXX XXXX XXXX account number ending in XXXX was supposed to be in good standing with no missed payments. Please see attached letter from XXXX XXXX XXXX XXXX. Which is just one of the issues I have with them for not making sure my credit reports are accurate when Im constantly calling and even speaking with supervisors.

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 2022-05-16
Company: Santander Consumer USA 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 XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX-Date of inquiry XX/XX/XXXX XXXX CARD-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
On XXXX XXXX, 2015, I requested an increase on my Bank of America credit card from {$2500.00} to {$3000.00}. Buried in the fine print, however, was an authorization to perform a hard pull on my credit report. This hard pull has adversely affected my credit score. On XXXX XXXX, 2015, I chatted Bank of America to request a reversal of this hard pull. My representative, XXXX, informed me the hard pull is required by federal law, which is not true, especially since XXXX XXXX, XXXX, and XXXX have all granted me credit increases via soft pulls of my credit report. Upon further questions, XXXX admitted the hard pull requirement was an internal Bank of America policy and NOT a federal regulation. When I then questioned her on why she gave me false information, she acted as if she did not understand my question and then prematurely disconnected the chat session. I can forward the pdf of this entire interaction to you if necessary. 
I would prefer my credit report be fixed and the inquiry deleted, but, most importantly, Bank of America should not be permitted to systematically lie to their customers about why they perform hard pulls ( a quick XXXX search reveals on the myFICO forums that the " this is a federal requirement '' line is a frequently used Bank of America customer service tactic ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/2020, I tried to re-link my PNC bank account to XXXX, a money saving service. I got a message that PNC has blocked accounts from being able to connect to XXXX. I have saved with XXXX  for years and am very upset that pnc would block what I can do with MY own bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: AMERICAN HONDA FINANCE CORP
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 XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company has garnished my bank account for a XXXX XXXX account that does not belong to me and viewing all of the other various other complaints against this company, I am not the first person that they have done this to. My first phone call was to my bank and they advised me to contact the court house which I did. When I gave the court house the Case number associated on the paperwork I received from my bank she advised that the case was named to someone with a similar name to mine, but not in my name. She also advised that the case was from 2007 and that the summons for the court case was not ever served to anyone and she could not explain how that happened and could not offer any additional information and advised me to contact the attorney handling the case. I contacted the attorney and spoke to a representative that could not provide any information other than to set up a payment arrangement on an account that was not mine which is absurd! I asked her for the process servers name and telephone number so that I can get the information on who and when this summons was served and she advised that she did not have that information and transferred me to an actual attorney by the name of XXXX XXXX ( who is not the attorney listed on the paperwork I received from my bank. ) He could not find my account in their system whatsoever. He listed addresses and last 4 of social security numbers asking if they were mine but none of them were ( the name on the paperwork is not my name and this account does not show up on my credit report either but somehow it is being garnished from my bank account. ) XXXX XXXX could not offer any help at all because he could not even find the account with their file number that was listed on the paperwork. He asked me to scan and email the paperwork that I received from the bank to him which would not be a problem except for the fact that I do not have access to a scanner and my only bank account is overdrawn and my bank said that they can not release the funds until they receive a release from the attorney 's office ( that apparently ca n't find the account. ) Meanwhile, I am being charged with late fees, overdraft fees and have NO money and no one can assist in resolving this. I have already filed a complaint with the XXXX so my next step is to contact the MI XXXX along with getting an attorney referral in my area for someone that specializes in these types of twilight scenarios!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: NC
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 my personal credit there are business credit card inquiries that should not be there. 
Experian XXXX XXXX on XX/XX/2021, XXXX XXXX XXXX XXXX XXXX on XX/XX/2021 I also have bout 30 inquiries on my credit that are there that I did not give my consent too. I walked in a Car Dealership I showed them my credit profile, and I was told that their bank would approve me long story short they end up send my information to 30 different places some to the same place three or four time. XXXX XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXXon XX/XX/2021, XXXX  on XX/XX/2021, XXXX XXXX XXXX XXXX XX/XX/2021, XXXX XXXX on XX/XX/2021, XXXX on XX/XX/2021, XXXX XXXX XXXX XXXX on XX/XX/2021, XXXX XXXX XXXX on XX/XX/2021 XXXX XXXX XXXX on XX/XX/2021 2021

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 2020-06-11
Company: Fidelity National Information Services, Inc. (FNIS)
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have complained a lot with XXXX  about all those inquires on my report that I didnt do and lately I havent been able to reach them. Ive written letters time after time and 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 2021-11-22
Company: Credit Karma, LLC
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a spend account with Credit Karma and transferred funds. One transfer was duplicated and left my original checking account overdrawn. I initiated {$2000.00} transfer the XXXX and they state I initiated one on the XXXX but can not provide any proof such as time ect. I was told by their rep to get with my bank to have it reversed. I did so and Credit Karma locked my account. The money has now been figured out, my original checking is right and my Credit Karma account shows exactly what I initiated to be deposited. However they have left my account locked despite numerous attempts to inquire why. What concerns me most is that when you call in all you can speak to is a ticket agent who sends the actual banker a message, no direct contact is allowed. I feel that while I have used their products in the past with no issues that somehow a scammer got into this matter or has a fraudulent link on their account. Any repose from them is that they cant tell me anything at this time which in the bank world is very concerning when your asking for basic details of transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: HEARTLAND PAYMENT SYSTEMS INC
State: OR
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have historically paid my bill late, due to not having the money to pay by the XXXX of the month. However, I have always paid my bill, each month. On their website in the statement section, it lists " due now '' in bright green, also it lists late fees separate from the due now amount for some reason, which is very confusing. But regardless, I have always paid, both the due now and fees amount. I would have followed my statements, but stopped trusting that the information was accurate when I received a statement in XX/XX/XXXX indicating that my account was 540 days past due, then another in XX/XX/XXXX indicating my account was 1470 days past due, which is obviously impossible. However, in XX/XX/XXXX, I paid my bill on XX/XX/XXXX, which was indeed 30 days late. They reported me as being sent to collections on XX/XX/XXXX as being 55 days past due. I received notices that I was past due of course, I knew I was, but nothing saying that I was being sent to collections for being 26 days past due. When I spoke to them on the phone, they told me that if you do n't pay on the due date, additional interest accrues, however, this is not indicated online in anyway. If I knew this was the case, I would have paid the amount. Additionally, when exchanging email correspondence, with XXXX XXXX, I called the number included in her email. The number turned out to direct me towards a scam which was trying to extract credit card information from me. I have spoken to multiple people on the phone and via email and no one can seem to give me a clear answer about how or why I was sent to collections, considering I was paying my bill every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: CITIBANK, N.A.
State: CO
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:
I have called citi cards several times and was transferred to the fraud department and they hang up in my face.

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 2021-11-22
Company: DISCOVER BANK
State: TX
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:
To whom it may concern : I had made two purchases from the same seller on XXXX, on XX/XX/2021 and XX/XX/2021. The purchases were for the same item, a security camera. The first purchase was made by " making an offer '', and the second purchase was done by using the 'buy it now ' option. Despite purchasing two cameras, from the same seller, the seller only shipped one camera. They initially disputed that I purchase ( 2 ), given they are a new and ignorant seller that isn't aware how to operate the XXXX platform. After numerous secure XXXX messages back and forth, they finally realize and admit that they made the mistake. All correspondence was provided to Discover during the dispute process, since the seller never returned the money for the camera they did not send. Despite this, Discover sided with the merchant, XXXX, in a highly discriminatory favor. XXXX provided Discover with a tracking # confirming receipt of the package -- clearly missing the fact that delivery does NOT MEAN EVERYTHING WAS DELIVERED. Only 1 of 2 cameras was delivered. Again, secure, original, XXXX messages from the seller admitting they didn't realize XXXX cameras were purchased was provided and still Discover chose to neglect this information and allow a fraudulent transaction to remain on my account, violating the member agreement to accurately and properly investigate and advocate for their customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Fifth Third Bank inherited my account from MB Financial Bank. 
They have had my accounts for over a year. A few months ago they started charging me fees that were not being charged by MB Financua Bank. They didn't have my permission, nor were they able to explain exactly how the fees were applied, just said due to my EFTs. They credited me several times and have changed my account to a {$35.00} a month fee which was supposed to stop any additional fees. This was promissed 3 months ago, yet I receive new fees evry month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have been a XXXX to Discover Card for years. I only use it for emergency purposes, and my account is automatically debited for payments, so I'm never late. Although I pay every month, on time, my balance never decreases, and the minimum payment on the account always increases. My credit rating is good, and I don't use the card much. However, because of the high interest rate on the card, my account balance never goes down. Except for one time, when I paid off the account completely, I can never pay off the account. I called DISCOVER to discuss this situation, and they transferred me to their " XXXX XXXX '' department. I spoke with XXXX. She asked me if I could pay more - my minimum payment is already in excess of {$200.00} / month. I asked if she could lower my interest rate ; she indicated that she was not authorized to lower the rate on my card. She stated that she could only lower the interest rate on new purchases. Discover Card charges a usurious rate of interest. DISCOVER automatically debits my bank account each month, but my balance NEVER goes down, and my monthly minimum ALWAYS increases because of the exorbitant interest rate they charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-20
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
On  XXXX   XXXX ,   XXXX  , I realized my identify was stolen because I received mail forwarding confirmation from the  XXXX  that I did not initiate. I also received a credit card confirmation from  XXXX   XXXX   XXXX   that I did not apply for. I immediately reported it as fraudulent so my mail was only forwarded for 5 days, I contacted the credit bureau and placed a fraud alert on the  XXXX  services, Experian,  XXXX  and  XXXX  My family and I are now moving. So I changed my address on some credit card s, one of  them  XXXX   XXXX  in particular. My son was attempting to buy gas and he was prompted to enter the zip code. He entered our current zip code instead of the new  one beca use he did n't know I changed the address. This action put a hold on all of the cards. I called  XXXX  on  XXXX   XXXX ,   XXXX   and they explained that they could not release the hold because a fraud alert is on my Experian file and the contact information that I supplied did not match. The cell number I use to authenticate, was 'close ' but not correct. So, the  XXXX   XXXX  cards have a freeze until I reach Experian to verify and correct my contact information. I can not reach a person to help me at Experian. It 's just a menu and none of the options fit my situation. I have tried a few times during different times of the day, but my call is never routed to a person. Please 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 non-monetary relief