BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Went into Fifth Third Bank at XXXX XXXX XXXX XXXX, IL XXXX. 

This afternoon I went into my local fifth third branch to do a withdrawal of {$2000.00}. Ive banked with fifth third for over 10 years plus and I withdraw money regularly, today I went in to do a regular withdrawal. I provided my Drivers License as well and my debit card to XXXX and she was initial rude, she proceeded to ask me a series of questions pertaining to my account as if there was something wrong with the account or as if i wasnt the owner of the account. I answered all questions as needed and she told me they were wrong. I opened my account 10 plus years ago, I do not remember all of the questions that i mightve set up but instead of her sending me over to a banker to potentially rest my security question or for further authentication. her attitude grew stronger and she told me that she can no longer assist me, although I was authenticated by pin AND with my drivers license. At this time I became agitated and frustrated. I asked for a manager ( XXXX XXXX XXXX ), and unfortunately the manager was the same exact way! instead of him trying to find a way to help resolve the situation, he made it even worse! He was not helpful at all, and spoke to me in a rude way! After having me in the branch for 1 hour he finally let me withdrawal the amount. For me to have a relationship with fifth third for over 10 years they should be ashamed of themselves! This was a very distasteful visit! Im very disappointed, I loved fifth third and being a client. I even wanted to apply for a mortgage loan with the bank since ive been with them for so long but this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: VA
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 on my current credit report from the three credit agencies, XXXX, Experian and XXXX, Reference # XXXX and XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
Company: United Revenue Corporation
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: Their investigation did not fix an error on your report

Complaint:
15 US Code 1681e states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

I am not satisfied with my previous dispute because I have reason to believe that this company did not follow reasonable procedures when investigating the items that I disputed on my credit report, I believe that the company 's investigation was done by an automated eOscar system which is why the investigation yielded inaccurate and false information 15 US Code 1681i ( Section 5 paragraph A ) states that Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) PROMPTLY DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
From my understanding this company could be held liable for willful noncompliance under 15 US Code 1681n especially due to the statutory and actual damages i've suffered

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I opened the account in XX/XX/2022, and was given a {$5000.00} credit limit. My limit was decreased to {$2000.00} in XX/XX/2022 by Citibank. I received a letter stating I should refer to my credit report, but I have no late payments or collections. The decrease in limit dropped my score that I've been working hard to raise.

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 2023-02-28
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The XXXX XXXX is a debit collector being used to harass past customers of XXXX XXXX and LVNV Funding LLC. In 2022 I returned the parts from the satellite internet provider XXXX XXXX and closed my account and have the XXXX receipt to prove it ( attached ) and have tried in vain to get XXXX to leave me alone. They did for about a year and now all of sudden my credit score is reduced and a collection agency XXXX is now texting me and emailing me for no reason. I have informed XXXX I would be filing this complaint and XXXX appears to be running a scam on past customers that have retuned parts but they can not locate on their end. The XXXX receipt has been provided to them numerous times and this is getting ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was a victim of a scam I immediately contacted my Bank and asked for help because the charges were pending they would stop or take action to protect my account/monies It took three days to post and by that time my money was gone XXXX I opened a dispute but they denied it saying it was my fault because I did what person calling told me to do When I got the letter from the bank denying I called again and ask to reopen they did that but denied again The other party involved in this scam is called XXXX XXXX I have filed a complaint against them as well I am a XXXX XXXX on a fixed income the compliant ID associated with this issue is XXXXBoth parties have denied my dispute each time I have tried to resolve they say it was fault because I followed the instruction I was giving by the person who called I am at a loss

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
State: AZ
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$18000.00} ; XXXX  XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXXXXXX Balance : {$14000.00} ; XXXX  XXXX Balance : {$12000.00} ; XXXX XXXX XXXX Balance : {$8700.00} ; XXXX  XXXX Balance : {$21000.00} ; XXXX XXXX XXXX Balance : {$16000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello, Please see the attached XXXX XXXX document. I've provided a very detailed description there so I don't run out of space here, and also so I can mail the copy of the complaint to Capital One. This is about invalid/illegal fees that were assessed to my account and also ruining my excellent XXXX credit score. 
Briefly, Capital One system has put an email block on my account due to inactivity, so they haven't notified me of a payment due for 2 billing cycles until finally they have sent a paper letter. Now they want me to pay the late fees and interest charges for a delay that they have caused themselves. Also, they have blocked access to my online account for no apparent reason.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-24
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
In the year XXXX I had a checking account with Wells Fargo . There was an ongoing issue with a overdraft fees when a balance available for days, pending charges wouldnt be processed in a timely manner causing me to believe there were funds still available. As soon as I spend even a dollar, the pending transactions suddenly had been processed and over the dollar overdraft, a fee of over {$30.00} would be added just immediately.

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 2023-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On or around XX/XX/2022 my XXXX secured credit cards limit was raised to XXXX with no request for the increase by me and no notification to me by the bank of when or why it was being raised. I used the amount increased and due to an error or glitch in Bank Of America 's system the card did not cut off at the XXXX limit and instead kept charging and allowed the balance to go over the mystery XXXX increased amount to the tune of almost XXXX over in multiple transactions. I have asked the bank several times to help me by either raising my limit from the XXXX to XXXX now to equal the charges so I don't continue to experience negative derogatory credit marks every month for this high over credit limit card. I feel that Bank of America should help with this since it must have been an error in their system that didn't cut off the card at XXXX and I think it's a form of predatory credit lending that has now caused me problems when I try to do anything in regards to my credit history. I have never missed a payment on my credit card, along with the other accounts I have like a home mortgage and car loan with other banks and for this XXXX card which I feel only had rhis happen due to a glitch in Bank of America 's system, my credit would be in alot better standing and I wouldn't be getting continually denied anytime I try to apply for any loans. I am asking this agency to please assist me in getting through to Bank of America and the credit card team about this dispute since they don't seem to want to give me any consideration here. Please help! I should have excellent credit right now with making all my payments on existing debts and this overage on this credit card is causing me problems. All I ask is Bank of America acknowledge that a glitch occurred here causing my credit card to not have an actual limit at some point and I don't think it's too much to ask that they increase my limit from the XXXX to XXXX to put my account in good standing as I continue to pay down the balance.

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 2023-01-26
Company: Nelnet, Inc.
State: OH
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 completely paid off department of education to XXXX university and XXXX XXXX, please remove these accounts from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
Original Creditor : XXXX XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13
Company: CCS Financial Services, Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There is a collection I have never had before and didn't even know it was listed on my credit until I applied for something. I never heard of this company nor received notification. Please help

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: EQUIFAX, INC.
State: MD
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 DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681c-2 Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS This will be my first and last attempt to remove these unauthorized accounts from my consumer report before involving civil institutions. Under 15 U.S Code 1681b - Permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other, the written instructions of the consumer to whom it relates. I never gave that consent, which violates my privacy. Second, according to 15 U.S. Code 6802, I have the right to opt out of reporting if non-public information is being furnished. One, I was not disclosed of that right by the creditor to opt out, Nor is the contract between the creditor and I public information. Per law, identity theft means non-consent. Please provide substantial documentation validating consent to furnish these accounts. Please block and delete the listed items immediately. 

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Capital One 360 savings offered bonus for fund remaining in the account for 90 days. I transferred {$100000.00} on XX/XX/XXXX ( within the period of this special offer ) and the 90-day was up on XX/XX/XXXX. As of today XX/XX/XXXX, my money is still in the savings account but the {$1000.00} bonus is nowhere to be found. I called the customer service and the rep went round and round trying to find a loop hole on the offer but he couldn't find any. He agreed that the bonus of {$1000.00} should be in my account now. He put me on hold for about 15 minutes then a XXXX  XXXX XXXX no last name given, her ID is XXXX ) came on the phone and asked me all the info again, apparently the 1st rep didn't give her any info just asked for a supervisor. After another 10 minutes or so scrutinizing all the details, she announced that the bonus would come on XX/XX/XXXX. I asked her why and she just informed me that that was how the system worked. I asked to see the documentation that stated the bonus would be shown in my account but she refused to send me an email or any written material to certify what she said. Apparently she can see it ( or possibly just blow me off? ). I am frustrated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-02-06
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Fraud I gave no consent and have no knowledge of this report. 

XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Fraud I never tried to apply for an auto loan and gave no permission to run my credit XXXXXXXX XXXX XXXX  XXXX - XX/XX/XXXX Fraud never applied for any card and no knowledge of running my credit. 

XXXX XXXX XX/XX/XXXX XXXX I gave no consent and have no knowledge of this report. 

XXXX XXXX XXXX XXXX Fraud again I never applied for any auto loan and had no knowledge of this report XXXX XXXX XXXX XXXXXX/XX/XXXX Fraud I gave no consent and have no knowledge of this report XXXX XXXX XXXXXX/XX/XXXX Fraud I gave no consent and have no knowledge of this 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 explanation
Consumer complaint received 2023-02-06
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
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: Billing dispute for services

Complaint:
In my attempts to open a checking account last month, i got turned down by 3 different banks for the same reason. Neither of them can give me a reason or explain what was going on. The only thing they did give me was the name of the bank and so i called the bank to resolve the issue or find out i called twice and went to the bank 3 time trying to resolve this issue. FIinally in my last attempt the banker informed me of an account with fraudulent activity was closed out in a negative balance with my information. i informed them i dont recall inquiring in opening an account & i had gotten my document and other items stolen from me that year. This happened twice.The banker got on the line with there collections department trying to get this report out of the way so that i can open a checking account with a bank and work on building my credit and getting my debt in line. I left after a few hours the banker informed me that she will get in contact with me with an update on this. The fraudulent activity on this account was not doing and i have several other reports im disputing for identity theft/ fraud. ive informed everyone i spoke to that this account ended up getting accessed by an unauthorized user, to dispute, and that i will make payment for the amount owed while it undergoes the dispute proccess, but nothing has seemed to get resolved. i need this account removed from my 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 explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, INC.
State: NV
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:
XXXX XXXX XXXX Date opened XXXX  {$36000.00} is still reporting on my credit report but that debt has been discharged.

Company response to consumer: Closed with explanation