BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-14
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to you due to Huntington bank in Ohio, the manager was XXXX, the other person was XXXX. They both are located in Ohio would not tell me last names or which location. I had an old Huntington acct, with an XXXX negative bal, from a job loss I had last XX/XX/2021. My mother who is almost XXXX, had fraud on her XXXX _acct, 2 mos ago, to the amount of XXXX. It took me 5 weeks to get that money back, and I opened her a Huntington acct and closed her XXXX acct. 
Huntington took my debt from her new acct-without my knowledge. I am furious this is all the money she has, I agreed to set up time to right then in the phone from my other account at XXXX, they said no. This is ridiculous. She has only XXXX per minute from social security, thats it. I need those find out back to her account and I can set up the repayment of my negative balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: TD BANK US HOLDING COMPANY
State: NJ
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 had a car in my name that I co-signed. The car was repossessed. 

The Accoint went to a collection agency called XXXX XXXX XXXX Everything was paid but it doesnt reflect on my credit report and they refuse to help me fix and update things. 

This was the person who collected payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Ph. XXXX Fax XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I want to make a purchase on XX/XX/2023 while I was on vacation and my card was declined. I called the bank and see why my car was declined. I was advised that my account was placed under review on XX/XX/XXXX. Ironically, I never received a email communication regarding this review so I called in to see why my transaction has been declined. Thats when I was advised that I was on the review I asked why, and no explanation could be given. I contacted the branch where I open my account as I was obligated to drive from one state to another to open this account as they needed forms of identification ID says that my account was open no problems. I was able to use my account until XX/XX/XXXX. This account was open to receive deposits from my employee not only that, but this bank has caused a hardship. My rent was due. My car was due, and Im unable to pay it because they are holding my funds for ransom. The person who I spoke at the branch advised me that we were able to get my funds and when I contacted the fraud department or whoever it is that take care of the reviews, they advised me that wasnt true. I was not able to access my phone. The the person who I spoke up the branch called him again because he said that that was not true. I should be able to access my phones. They gave the person at the branch that runs around as well, so then I was advise that I should hear something soon. I called today again the first representative. Tell me that my account is pending closure for fraud remind you my account has been in good standers never once was there fraud any signs of fraud I spoke to the reviews and theyre stating that thats incorrect that my account is under review I asked them again why is it on the review they refuse to I advised them you guys failed to notify me if it wasnt for the personnel at the branch calling you guys you guys will not send me the email on XX/XX/XXXX regarding the review of my account why would they wait till XX/XX/XXXX after someone from the branch calls call them to then send me the email thats also breach of communication between the bank and the customer. I have other bank accounts and not once did I have this issue at this point I just want the bank to release my funds and I dont need to do business but I need my funds. I also want to add the email they sent me has nothing to do with Detail in about account on the review. I have provided the email that they sent to me which is not related to under review which they also send the wrong email to me which definitely shows clearly a breach of contract with communication.

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 2020-04-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
XXXX  XXXX  at XXXX  XXXX. Someone opened a card with a XXXX line of credit when I was just a student. I disputed it 100 times and no one wants to help me

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 2020-10-10
Company: Experian Information Solutions Inc.
State: MS
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I HAVE ASK THESE COMPANYS TO REMOVE THESE ACCOUNTS FROM MY CREDIT PROFILE THAT I NEVER OPEN OR SIGN FOR.

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 2023-07-26
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:
XXXX XXXX is in violation of the following : 15 U.S. Code Section 1681b - permissible purposes 15 U.S. Code Section 1681c - information contained in consumer reports 12 CFR Section 1022.3 - Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The XXXX XXXX, after agreeing with me to renew my automobile policy and having paid said amount, one month later and unilaterally decided to increase the monthly amount to be paid ; I did not agree no pay said difference and decided to cancel said policy. Reason why they discriminatory decided to send me to Collector.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information is missing that should be on the report

Complaint:
1 ) I have tried to keep a great fico of 780-815 since XXXX, never missing a payment or been late, paid off a XXXX truck loan & am in my 4th house since XXXX ; and even when I have had no auto loans or CCard debt in XXXX with a small mortgage of {$630.00} mo including taxes & ins the highest my fico would get is " XXXX '' with 34 yrs of never being late or missing a payment on anything, how is that possible?

2 ) I just got a XXXX CC XX/XX/XXXX ; along with the card Is a transunion credit score of XXXX, So I download my 3 credit reports flawless on payment history, took a hit on length of credit history & debt to income- medium impact.I went into some CC`s that I have open with & without a balance who offer your fico score from Transunion they go from 774-798. Something is not right here. I have fought the 3 bureaus & fico with the help of fl. attorney general`s assistant Ms , XXXX XXXX ; back in XXXX she also thought something didn`t look right after me sending a package with my 3 credit reports & opened up an investigation, but It didn`t go anywhere but she did try. Here in Fl everything Is based on your credit score auto, boat, home, Ins`s, ; interests, & even when you might apply for for an apartment, house rental

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 2020-06-26
Company: LAKEVIEW LOAN SERVICING, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company charged me {$10.00} to make a payment online. Just a regular payment. It was called a one-time payment fee. Im being charged just for paying in full and on time ... .how is this legal? 

Company : Lakeview Loan Servicing

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 2023-12-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I noticed overdraft in my Capital One Checking account. I called Capital One and they acknowledged that duplicate payment ( I did not set up ) was sent to my Capital One credit card. They refunded overdraft fees and told me to call the Credit Card to see why it was taken. 

Capital One Credit Card told me that it was the bank that sent the duplicate payment. I told them I would be making a big deposit soon and wanted to ensure they would not RETRY the duplicate payment. On Thursday, XX/XX/XXXX, I deposited money into my checking account and on Friday XX/XX/XXXX, the credit card company DID retry to take the duplicate payment and were now successful because there were sufficient funds. 

The money was deposited into my account because I have to pay other bills to pay. I called the credit card and bank on XX/XX/XXXX to have the duplicate payment refunded to my account. I was told that I can dispute the charge and an automatic provisional payment would be returned to my account. That did not happen. 

I was told it would be expedited because both banks are Capital One. 

Upon calling today, XX/XX/XXXX, I was told that there is no way to expedite this, and it would take 10 business days to return my duplicate payment. They also told me that someone on their side " made a mistake '' when filing the claim, which has reset the clock. 

Capital One is not returning the overpayment that they made in a timely fashion and now I can not pay the bills that are due. 

I have had to call them multiple times without any satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Hi I was a victim of identity theft.I have negative accounts reporting on my credit report that i have no knowledge too. I have noticed multiple addresses and names reporting on my credit report that are incorrect. I have reached out regarding these matters to the creditors as well as the 3 bureaus asking them to investigate and remove inaccurate addresses and names. However, they have not fully looked into that matters. I have sent letters to Bank of America which is reporting a charged off account of in the amount of {$18000.00}. Bank of America reporting a charge off account once again for amount {$9900.00}. XXXX XXXX is also reporting charged off in the amount of {$35000.00} I have requested investigation and a response back from the 3 bureaus as well as the creditors. But haven't gotten a Resolution.

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 2020-05-04
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The bank will not give me a statement with the current status of my loan. They will not give me a statement either. They will give me a line item payment history and a payoff amount. 

I need to verify my account is current and they are unwilling to provide me with any documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Immediate Action Required : Security Breach Demands Resolution Within XXXX Hours Dear XXXX Representative or Appropriate Contact I am writing to express my absolute outrage and frustration concerning the alarming security breach that has exposed my personal information on your platform. The evidence I provide is indisputable, revealing a shocking negligence on your part. 
Unauthorized accounts linked to my name, including FIRST PREMIER, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX reflect a severe violation of your duty to secure user data. 
Inquiries from XXXX XXXX XXXX and XXXX XXXX XXXX via XXXX XXXX  XXXX XXXX only intensify my apprehension about the incompetence of your security measures. 
The addresses associated with my profile, spanning multiple locations, and the list of phone numbers, indicate a gross failure on your part to protect user information. This is utterly unacceptable. 
I demand that you take immediate action within the next XXXX hours to : * Remove any and all unauthorized accounts linked to my name. 
* Conduct a thorough investigation into this security breach. 
* Provide transparent communication regarding the steps you are taking to prevent such breaches in the future. 
* Address the issues with late payments promptly. 
Failure to comply with these demands within the stipulated timeframe will leave me with no alternative but to pursue legal recourse and report this breach to relevant regulatory authorities. 
This is not a negotiable matter. Your immediate and decisive action is required to salvage what little trust remains in your platform. 

Sincerely, XXXX XXXX accounts : 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 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 2023-04-21
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Unable to access online accounts. Consumer agency Equifax representative asked to send social security card to an email address.Tried to login to XXXX report and received an error message " consumer not authorized to receive service '' Error 310 that was placed on my credit report by a customer service agent. These are unheard of events and I feel that I need help to dispute these items to gain access back to my credit report. I initially placed a fraud alert on my report with a change of address to XXXX XXXX XXXX XXXX XXXX Ohio XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I filed a dispute on XX/XX/XXXX For {$3500.00} original date of purchase XX/XX/XXXX2023 XXXX XXXX XXXX XXXX I spent two hours on the phone yesterday to find out that the dispute is final and closed. I inquire where was the other {$810.00} that I paid on the account. I was informed that I had to pay interest. 
How is it possible for me to pay interest and all the money was credited back to my account? 
I did receive {$520.00} on XX/XX/XXXX because I asked Barclays to mail me a check. 
Ive made a total of {$1300.00} in payments on the account. 
This unfair and unethical practices by this company The owe me 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 2023-04-05
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Synchrony Bank decreased my credit limit on my credit card from {$8000.00} to {$520.00} without any Adverse Action Notification or any notification at all. The decrease in the credit limit has adversely impacted my XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
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:
Two credit cards have been ran in my name and it was not me. One is capital one and one is XXXX. I would like to report it and find out who is running my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: EQUIFAX, INC.
State: MN
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: Was not notified of investigation status or results

Complaint:
Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.

Company response to consumer: Closed with explanation