davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Summary of Complaint : Fifth Third Bank changed the status of two of my business checking accounts from " Basic '' to " Premium '' and " Elite '' without any communication to me at any time. This occurred the month after a change in checking account fee structure and minimum funds was announced. Fees for below minimum funds have totaled {$1000.00}, and Fifth Third has refunded {$320.00} so far, but say they do not refund any more to customers. The resolution I seek is refunding of the {$720.00} balance to me. 


I have spoken with bank representatives four times regarding this complaint, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all in XXXX. 


The two business checking accounts are : " XXXX XXXX XXXX XXXX '' acct - XXXX opened XXXX " XXXX XXXX XXXX XXXX '' acct - XXXX opened XXXX In XXXX and XXXX, I opened these accounts as " Business Basics Checking '', with no service charges for minimum balances. 


On the XX/XX/XXXX bank statements, there was fine print at bottom with a general statement, " Some of our fees are changing ... '' with no other specific information. 


The following month, XX/XX/XXXX statements show account XXXX was inexplicably changed to " Business Elite Checking '', and XXXX changed to " Business Premium Checking ''. No service fees were charged that month, and no communication was provided in explanation of any new fee structure. 


I did not request these accounts to be elevated to " XXXX '' or " XXXX '' levels, never received notification of these changes, and have never used any of the additional services available to these levels. 


However, it turned out that " Elite '' and " Premium '' accounts had minimum balance service charges. " Basics '' does not. 


Since then, fees for below minimum balances have been charged and money removed from my accounts whenever balances fell below the minimums set by the " Elite '' and " Premium '' policies. Through XX/XX/XXXX, a total of {$550.00} was taken from XXXX, and {$500.00} taken from XXXX. No fees would have been charged if the accounts were left at " Basic '' levels. 


After talking with bank representatives, the bank tried to remedy the situation by reversing service charges of {$75.00} on XX/XX/XXXX, and {$250.00} on XX/XX/XXXX. This leaves {$720.00} of money remaining to be returned to me. 


The bank says no further service charges can be refunded because " {$250.00} is the most we've refunded to other customers in the past ''. 


My uploaded documents show the bank statements where my checking account status was raised without permission or communication from Fifth Third Bank, and spreadsheet of minimum balance service fees charged.
Consumer complaint received 2024-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO Bank, N.A. (CA)

I opened a checking account XX/XX/2024. I deposited {$150.00}. Then I changed my payment information for my phone to draft payment from this account. XXXX days later when I tried to log in to my account through my phone, I got an error message saying there was a problem with my information not matching so I called the customer service line. I asked them about why I couldn't log in and they informed me my account was frozen due to fraudulent activity. I asked what kind of fraudulent activity and they said they didn't have any I information on that. Then I received a message from my phone carrier saying they were going to charge me {$15.00} for a funds return fee because they were not able to draft the payment I initially setup. I tried calling the bank again the next week and they still had no information for me nor were they able to provide me with any update or what kind of fraudulent activity was associated with my account. I still dont know if my information was compromised or what's happening with my account. I have recently called again ( week XXXX now ) and they keep telling me another department is handling my case so they can't tell me anything and they still have not let me know what is going on or when matters will be resolved. I don't know if my identity was stolen or if the funds I deposited is gone.
Consumer complaint received 2024-04-08
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/XXXX I tried to use this card to buy water, food and to pay for a public transportation pass and for all of them they got declined I called them up and they said just try another store so I did and no matter that I did it didn't work no matter what where I went and no matter how much money I had spent on the card I went to places that I previously was able to use said card.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AL)

I do not recognize any of these inquiries listed on my credit report when I checked. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

on XX/XX/2018 Capital One denied myself, XXXX XXXX XXXX XXXX for a credit limit increase. Previously on XX/XX/2018, and XX/XX/2018, the credit limit was increased. My usage with the card is the same as previous months prior to the credit limit increase approvals in the past, Yet Capital One is stating otherwise. This is a clear violation of the ECOA. FDIC Compliance per fair lending practices section IV 1.1 states " A lender may not refuse to extend credit or use different standards in determining whether to extend credit. '' This is discriminatory and unethical according to fair lending practices.
Consumer complaint received 2024-04-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX has violated my rights. ( LATE PAYMENTS ) 15USC 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't furnish an 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. 



In accordance with the Fair Credit Reporting XXXX XXXXXXXX XXXX XXXX Account # XXXX has violated my rights. ( LATE PAYMENTS & CLOSED ACCOUNTS ) 15USC 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't furnish an 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. 



In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights ( LATE PAYMENTS & CLOSED ACCOUNT ) 15USC 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't 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. 



In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX has violated my rights. ( CLOSESD ACCOUNT ) 15USC 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't 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.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , MO XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  , MO XXXX XXXX XXXX Balance Owed : {$77.00} XXXX XXXX  XXXX Balance Owed : {$460.00} XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX Balance Owed : {$610.00} XXXX XXXX Balance Owed : {$610.00} XXXX XXXX  XXXX Balance Owed : {$750.00} XXXX XXXX  XXXX Balance Owed : {$410.00} XXXX XXXX Balance Owed : {$50.00} XXXX XXXX XXXX Balance Owed : {$440.00} XXXX XXXX  XXXX  XXXX Balance Owed : {$1900.00} XXXX  XXXX Balance Owed : {$2700.00} XXXX  XXXX Balance Owed : {$120.00} XXXX  XXXX Balance Owed : {$50.00} XXXX  XXXX Balance Owed : {$50.00} XXXX  XXXX Balance Owed : {$50.00} XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$190.00} XXXX XXXX  XXXX Balance Owed : {$91.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Owed : {$170.00} XXXX  XXXX Balance Owed : {$89.00} XXXX XXXX Balance Owed : {$2700.00} XXXX  XXXX Balance Owed : {$600.00} XXXX XXXX XXXX XXXX XXXX Owed : {$120.00} XXXX  XXXX  XXXX XXXX Balance Owed : {$320.00} Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX Chapter XXXX Bankruptcy Reference # : XXXX Date : Filed/Reported : XX/XX/XXXX Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX CXXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX FI XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

The company is XXXX XXXX I have never dealt with this company before. They are sending letters saying that I had XXXX XXXX  XXXX credit cards that I never opened up before. Under provisions of public laws 95-109 and 99-361 also known as the Fair Debt Collection Practices Act, I'm requesting that they immediately cease and desist all attempts to collect the debt. Failure to comply with this law will result in me filing a complaint with the Federal Trade Commission and the Attorney General. XXXX is also reporting this information with no proof of validation of this debt. I have contacted XXXX  XXXX and they were unable to validate this.
Consumer complaint received 2021-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown items on my credit report. To this day ( XX/XX/20201 ), I have not received a response yet and it has been well over 60 days. I feel like my disputes are getting ignored and I'm being taken advantage of. Section 611 ( a ), it states that a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. It has been 60 plus days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress this has caused me.
Consumer complaint received 2019-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

I was a victim of identity theft. XXXX XXXX XXXX, and XXXX XXXX has refused to remove the negative information from my 3 credit reports. I want my clean record back for the future.
Consumer complaint received 2021-11-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (PA)

TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT for EOS CCA. Reported : XX/XX/XXXX Account # XXXX. Your company has violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious EOS CCAI have reported your company to consumerfinance.gov As a form of record and I am prepare to sue your company. Stop collection proceedings against me and remove my information from your database. SOC SEC # XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2021-11-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Medical Management, Inc. (PA)

TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT for Financial Recoveries Services. Reported : XX/XX/XXXX Account # XXXX. Your company has violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below. Please take this matter very serious Financial Recoveries Services. I have reported your company to consumerfinance.gov As a form of record and I am prepare to sue your company. Stop collection proceedings against me and remove my information from your database. SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2016-10-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.Q. DATA INTERNATIONAL, INC. (OK)

In XXXX 2016 my son XXXX XXXX entered into a lease agreement with XXXX at XXXX in XXXX, CO with myself as the guarantor on said lease. After paying the initial unrefundable deposit as well as first month 's rent, due to unforseeable events, XXXX was not able to move into the apartment. He notified the office within 72 hours that his circumstances had changed and he would not be occupying the apartment ; he would be moving back to XXXX XXXX, SD for employment. The office would not release him from the lease agreement, so as his guarantor, I paid each month 's rent for the vacant apartment ( XXXX 2016- XXXX 2016 ), and after paying XXXX 2016 rent, I became aware of their 60 day notice of intent to vacate and contacted an apartment manager, XXXX XXXX XXXX, who emailed us required documents to do so. On XXXX XXXX, we emailed the XXXX XXXX XXXX 60 day Notice Of Intent To Vacate as well as a cashiers check for {$3000.00}, which XXXX expained to us was the fee to terminate the lease. A family member living in XXXX made contact with XXXX on XXXX XXXX 2016 and XXXX noted the apartment keys were in her possession at that time. As evidenced by our son 's account balance on XXXX XXXX 2016, my son had a CREDIT balance of {$3000.00}. We noted the cashier 's check was accepted by them. As of today 's date, XXXX 's account shows he has a credit balance {$1500.00}. We, ( my son, myself, and our legal assistance attorney, XXXX XXXX XXXX ), have tried to contact The Courtyards at XXXX for a status on this account. XXXX XXXX has sent letters on our behalf. On XXXX XXXX, 2016, we were able to speak to an apartment manager, XXXX, who told us she showed XXXX account as " cleared, complete, and he is a past tenant. '' We asked for final documentation on this lease and she stated we had to get that from IT DATA INTERNATIONAL (? ) We contacted them and were told by 'XXXX XXXX that he had no file for XXXX XXXX XXXX He told us to call back on Tuesday as they got new claims at that time. We asked what kind of claim (? ) and were told very sternly once again that he 'had no XXXX XXXX XXXX ' On XXXX XXXX 2016 we spoke with XXXX XXXX at IT DATA INTERNATIONAL who informed us he had a collection account for XXXX XXXX XXXX the amount of {$1600.00}. We asked what this could possibly be for. He stated XXXX sent our son 's account to collection on XXXX XXXX 2016 for unpaid rent- the exact amount the XXXX DEDUCTED from our son 's credit balance XXXX 2016! At this time our son 's account is in a collection status with the XXXX and 'XXXX ' now notes that he is a " skipped tenant with multiple fees to include painting, carpet cleaning, housekeeping and electricity. '' We told her he has had a credit balance in his account since XXXX of 2016 and she hung up on us. Each subsequent attempt to contact XXXX or their corporate office have gone unanswered. Additionally, XXXX XXXX was not able to ascertain any information today and advised us to contact you.
Consumer complaint received 2015-07-02
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have tried twice to obtain my free credit report from Transunion because i was denied credit and they have denied me access to my report or credit score online. I went to XXXX and i was able to obtain both my XXXX and XXXX reports so that i may begin disputing the inaccuracies on my file and they have denied me over and over again and i have been unable to speak to anyone on the phone or via mail. May i please get a copy of my report already, this is getting so strange I keep answering all of my security questions correctly and they continue to ask for more time or more verification. I do not understand why they are stalling.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to CORRECT immediately : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX