BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-30
Company: Comerica
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I should have done this sooner. I assumed Direct Express was safe.    Direct Express/Comercia Bank  have cut me off from looking at my own account online! For months now.   I had to call them the get   XX/XX/XXXX  and  XX/XX/XXXX  sta tements.   Accordingly the {$950.00} someone hacked my account for has not been replaced. Now I guess I will  need  XX/XX/XXXX  and  XXX  2017 stat ements.   They tak e 7 t o 10 days ...   They told me they replaced {$850.00} but that is not on either of these statements.   They replaced {$100.00} for me to live on for an entire month!   They charged me {$1.00} transfer fees and {$4.00} for a new card. Why? I did n't have anything to do with hacking my account.   This is the second time my account has been hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16
Company: Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid my dept to CSI to XXXX over 3 years ago, even after 3 years of asking them to removing the debt off my record it still on my record. I currently use the service and have been for the last 3 years. I have filed a dispute with the credit report XXXX and it wont get off my credit. While I do n't have the original receipt that the debt was paid in full I have statements for months i use their service. I call and they keep saying that they will take care of it and it should be off my credit in 45 days and nothing gets resolved. I even call XXXX XXXX to see if they can do anything and they give me false numbers to call. This has been a big mess that I cant seem to resolve on my own.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
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: Information belongs to someone else

Complaint:
ATTN Fraud Department : Remove fraudulent accounts 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 2019-11-26
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was involved in a not-at-fault motor vehicle accident on XX/XX/2018. I was transported by ambulance to XXXX Hospital emergency room where I received care. I gave the hospital my in-network insurance at the time which was XXXX under my mom. My insurance paid {$700.00} which the hospital has collected and in my explanation of benefits stated my patient responsibility is {$0.00} because of the following code reason : " Q05 - Patient Not Liable, For XXXX XXXX XXXX XXXX ''. I have repeatedly tried to give XXXX Hospital and the collection agency my EOB and they refuse it and want to full amount of {$10000.00} even though insurance has paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I purchased tickets to an event through XXXX XXXX in XXXX 2016. On the day of the event in XXXX I was not given the full access to the event I had paid for. I disputed the sale with my credit card provider, Fifth Third Bank. My goal was to receive a small percentage back from XXXX XXXX. 
The last correspondence I have ever received from Fifth Third Bank pertaining to this issue was dated in XXXX. This letter stated that the dispute was settled in my favor and {$330.00} was to be credited back to my account. 
This amount, nor any amount, was ever credited back to my account. I called Fifth Third Bank numerous times only to be told on each and every occasion that I would be contacted " within the next 48 hours '' to address the situation. 
NEVER HAPPENED! 
After a few months of this " run around '' I finally filed a lawsuit with the judicial system in XXXX County, Illinois. Even though Fifth Third was served with the paperwork for this case filing they made the decision to ignore the court summons and DID NOT show up in court. Subsequently I was awarded a default judgment in the amount of {$1000.00} plus court costs in XXXX of 2016. 
Although Fifth Third made it extremely difficult to find the correct department to forward the judgment paperwork to, I was finally able to fax the documents to the correct department. 
Within a week of receiving my faxed paperwork I was contacted by a Fifth Third Bank Attorney who initially told me that they would not pay me the full amount and if I did not settle for the considerably lesser amount, Fifth Third Bank would go back to court and file paperwork to have the judgment vacated. I told the Attorney this was not acceptable and my expectation was to receive the entire amount of the judgment plus court costs. This phone call took place on XXXX XXXX, 2016. 
On XXXX XXXX, Fifth Third Bank, through their Attorney, made the decision to finally bring to a conclusion this issue which they had dragged out for more than 7 months. The decision was made to pay me the total agreed upon amount of {$1200.00}. 
As of the writing of this statement on XXXX XXXX, 2016, I have still not received any of these monies. 
FYI : Because I have very little trust for Fifth Third Bank and their agents, each and every phone call since this issue has arisen has been recorded. These audio files are available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Hello!     My checking account at the  Fifth Third Bank  went into overdraft on    X/XX/2017 .
<P/>  The bank did not notify via mail, phone, email or text.  <P/> I have banked regularly with th e Fifth Third Bank  for over 10 years and have received regular direct deposits during this time period. My lengthy history wit h Fifth Third Bank  demonstrates regularity and compliance.  <P/> If I had received any type of notification fro m the Fifth Third Bank   regarding the balance of my account I would have taken immediate action to correct the error.  <P/> My payroll did not go through as it always has, so the account balance went negative.  <P/> I find it absolutely unacceptable that over the course of 10 days the bank took no action to notify me, but instead ran rapid fees to my account.  <P/>  Fifth Third Banks states  they sent " emails '' which I never received. If I would have I would have called my employer immediately, called the bank and corrected the situation.  <P/> When I conta cted the Fifth Third Bank in hope finding a resolution that works in both our favors they denied me any act of  compassion or understanding.  <P/>  Fifth Third Ban k stated " We recommend checking you account regularly. '' The bank issued a credit to my checking account in the amount of {$37.00}  Fifth Third Bank sa id " Check you account notifications to avoid this in the future '' I spent over a week on the phone with different managers, account representatives and branch managers with no resolution even considered from the bank.  <P/> Even after I talked to the bank they continued to run fees on my account.  <P/> They have prevented me from paying m y Fifth Third credit ca rd bill which I asked my parents to pay to avoid any more fees from them. As of now I am not allowed to make payments.  <P/> I feel I was scammed by The  Fifth Third Bank . As I am a regular working class person who is paid regularly.  <P/> I find this appalling and unethical.  <P/> The dates and fees are as follow s :  X/XX/2017  in the amount of {$110.00}  X/XX/2017  in the amount of 148.0 0  X/XX/2017  in th e amount of {$110.00}  X/XX/2017  in the amount of {$110.00}  X/XX/2017  in the amount of {$74.00}  X/XX/2017  in the amount of {$110.00}  X/XX/2017  in the amount of {$37.00}  X/XX/2017  in the amount of {$37.00}  X/XX/2017  in the amount of {$37.00} ( bank wo n't allow me to pay my credit card bill and charged me a late fee ) Total overdraft fees equal {$770.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I applied for an equity loan on several of my investment properties through Fifth Third Bank in XXXX, Ohio on two occasions. The bank officials misrepresented the equity loan eligibility ; knowingly adversely affecting my credit score ; practicing discrimination in applying the criteria for an equity loan. On or about XX/XX/2016, I applied for equity loan on XXXX properties. I was told my rental income was applicable in establishing additional income. I was subsequently denied because of my credit score was lower than a needed XXXX and my debt to income ratio was to high. Five month later, on or about XX/XX/2016, I applied, this time with far less debt and a higher credit score. I was denied again based on my debt to income ratio as being to high but this time they refused to consider my verifiable rental income. 
Clearly, the Fifth Third officials were simply playing with my time and adversely affecting my credit score to merely meeting certain application quotes and/or they are willfully discriminating against me when considering other equity loan applications, they are approving but denying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ARS Account Resolution XX/XX/2021 {$1100.00} XXXX is the companys number, This debt is not mine, I have zero knowledge of this debt and have not done any business with any companys to which I owe anything. I dont know how they got my information, i believe they are committing identity fraud and some how obtained my private information. 

This is affecting my financial life ruining my credit by placing a debt collection on my personal account. I have zero knowledge of the account. 
Need collection and account removed 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 2020-03-03
Company: Netspend Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
Purchased a Netspend pre paid debit card at my local XXXX store on XX/XX/2020. Paid {$50.00} for the card plus {$2.00} fee. Tried to activate card using telephone, computer and speaking with a live person. Told information that I used was not consistent with their information. I never purchased a Netspend card before. Only purchased to give to my son for use for transportation. Company won't release alledged information that they are using to keep from activating card

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 2022-07-07
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX XXXX I am writing to lodge a complaint against US Bank regarding the holding of funds and or claims against a Trust Account at the bank. The Trust account was not involved in any actions by the personal accounts of the person named on the Trust account. This person did not have access to the trust account in any manner or the account use this persons social security number. The Trust account has its own EIN number. I am the Trustee for this account and have sole access to funds. From XX/XX/XXXX XX/XX/2022, I did not have access to the funds. US Bank needs to held accountable.

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 2020-08-19
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX/XXXX Ive disputed many times in all agencies the 120+ days past due

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 2020-03-03
Company: Santander Consumer USA Holdings Inc.
State: IA
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:
To Whom It May Concern Please, may I request your help? This situation is a very serious matter involving fraudulent activity appearing on my personal credit report. 
A company named : SANTANDER CONSUMER USA, XXXXXXXX XXXX  XXXX XXXX XXXX, TEXAS XXXX Has stolen my identity, involving an automobile lease, dated XX/XX/2015 resulting in a {$49000.00} loan. that resulted to date, in " 36 '' charge-offs reported to all three credit bureaus, with a balance of {$27000.00} left abandoned. 
I very rarely ever see my credit report and it was not until I tried to a purchase large cost item ; that I was shown over " 40 '' inquiries listed on my credit, along with this organization, named SANTANDER CONSUMER USA. I immediately filed a local police report along with filling a dispute with the three major credit companies along with attempting to make contact with SANTANDER CONSUMER USA. 
I sent an affidavit that was notarized to the company and they have never responded. My dispute was denied, as they claim that I am the lessor. 
This situation is clearly fraudulent and has destroyed my personal credit. I feel that I have been taken severe advantage of. I am a senior citizen and I live very simply. 
Most sincerely ~

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, INC.
State: IA
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 sent a letter off on XX/XX/2022 as well as made a phone call. To remove personal information that i do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is to share my information to third party people.

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Follow up complaint COMPLAINT ID XXXX On XX/XX/XXXX BOA single-handed decided to close my two accounts without notice. 

Today is XX/XX/XXXX, the funds have not been received. BOA has really bad services, their customer associate changes their narrative every time I call in. 

On XX/XX/XXXX, I received a photocopy of my checks. I called BOA and they promised to send out a new check. On XX/XX/XXXX BOA stated that the new check will be mailed out in 15 business days. On XX/XX/XXXX. BOA said they are not gon na send the check to me and I HAVE to wait until XX/XX/XXXX in order to receive a new check. 

This is unacceptable and I urgently need to use the money to buy my first home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-26
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Send a personal information update letter to all 3 bureaus on XX/XX/2022. Haven't received nothing back from Equifax and XXXX as of yet. But received a letter back stating that this is not me the letter is attached for prove also send a copy of State ID and Utility bill showing proof of address. They are stalling me out and not trying to update my information even with the State ID and Utility bill showing proof of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This complaint to Equifax was the result of their non-compliance to my request and frothier refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Delinquent account

Complaint:
In XXXX XXXX I contacted Capital One and it vised them I was unable to pay do to the fact that the Veterans Administration was unable to pay me for XX/XX/XXXX because they Could not get my money Direct Deposit into the Bank in the XXXX XXXX! I contact them several times and told them I would pay no problem and was told by a supervisor no problem they would work with me! Later that month it showed up has past due late payment on my credit report, I called back to Capital one was told they would correct it on XXXX XXXX XXXX and report it to the Credit bureaus. Later I called back she told me to wait for the next reporting date for it too show up on the credit reports as corrected. I called back today on XXXX XXXX XXXX and asked to talked to the executive team and was told I was unable to talk to them they transferred me to other Supervisor and she told me That it was not corrected in the System and it would be corrected? but was Disconnected I called back they connected me To the Military Dispute team I talked to XXXX and he stated it was in the System that it would not be corrected! I am a XXXX Veteran living in the XXXX XXXX Your more then Welcome to Call XXXX XXXX, XXXX XXXX that is the only one that does XXXX Direct Deposits with the Veterans Affairs She can Verify that she tried 4 times XX/XX/XXXX to Send the Deposit to my bank and failed. I just ask that Capital one to see the facts and reverse there decision on correcting this to all XXXX credit bureaus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-26
Company: EQUIFAX, INC.
State: MI
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 have a chapter XXXX bankruptcy which was XXXX on XXXX but reported on all three credit bureaus. I received a letter from the United States Bankruptcy XXXX explaining that they do not report bankruptcies to credit bureaus. I also have obtained a letter from XXXX XXXX verifying my security freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
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 status incorrect

Complaint:
This agency h as 1 : R eported a balance as in " collections '' which was paid to  XXXX   XXXX  before I had any contact from th em. 2 :  Failed or refused to report to credit agencies that this amount was paid in full on  XXXX / XXXX / 17 .  3 :  Provided a letter falsely stating that they received payment from me, on  XXXX / XXXX / 17 . No payment was made to them . 4 :  Stated that they do not have, or will not provide any evidence that the debt was ever assigned to them in a recorded call on  XXXX / XXXX / 17 .

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: Bayside Capital Services, LLC
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I was contacted via phone from a private number in which a male left me a voicemail stating that someone would be serving me papers at my home and place of employment which he said he would require a signature from my manager. He left a number to call XXXX and a case # XXXX. I contacted that number and a person by the name of XXXX XXXX at Bayside Capital Services answered. He did not during the course of our call state he was a debt collector nor did he state the required FDCPA statement. This is an attempt to collect a debt ... He demanded payment right away and told me that he is licensed in litigation in XXXX states. He threated that a lawsuit would be filed if I did n't pay the balance owed today. We worked out an arrangement and I asked him for some type of proof that he is who is says he is. XXXX minutes later I received an email with a word document ( see attached ) in which I felt looked a bit on the forged side. I contacted the creditor and they told me they have never heard of Bayside Capital Services nor was the amount was the creditor had on file the same amount as Bayside. I then did a little research on Bayside and read that a few others had the same experience as I. I then contacted XXXX and asked him for his debt collector license because I felt there was something very suspicious about the entire conversation, XXXX told me, after an uncomfortable pause, there are many departments and he does n't have the number then he got angry with me and told me he was never going to give me the number and started to raise his voice even further. I then hung up because I felt that the whole thing was a scam and he was trying to steal money from me. I feel that these people illegally got information from my credit report and are trying to steal money.

Company response to consumer: Closed with explanation