BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-02
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Huntington bank locked my accouont while I was ordering something on l ine! 
Now, it is frozen, and I can not use account at all!! And they are closed and ar too cheap to hire people to answer their phone!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

This should be enough to FINE HUNTINGTON BANK ASAP!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

And their location in XXXX, Ohio, always has a broken ATM!!! Either you can not deposit a check or cash, or withdraw money!! It is always broken in some way!! 
They are too cheap to get it replaced!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: In progress
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Re : XXXX XXXX I filed a dispute with Transunion around XX/XX/XXXX in which the item could not be verified, so the item was deleted. Later, it was reinserted. I reached out to them about the reinsertion and requested a deletion, but they continue to report this inaccurate account on my credit file. 

I filed a dispute with XXXX who was reporting a monthly payment amount of {$47.00} when Transunion and XXXX was reporting {$0.00}. Upon filing a dispute with XXXX, they updated the monthly payment to {$0.00}, but also changed the first reported delinquency date to XX/XX/XXXX when they first had it reported as XX/XX/XXXX. There are too many inaccuracies and contradictory information being added and removed by all 3 bureaus ( Transunion, XXXX, and XXXX ), and is a violation of 15usc 1681eb. I want this account removed from my credit file with all 3 bureaus 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 non-monetary relief
Consumer complaint received 2022-05-22
Company: EQUIFAX, INC.
State: RI
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 Bankruptcy Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I have a prepaid Visa Bank of America Reward Card that expired XX/XX/22. I called Bank of America customer service and they told me I had {$340.00} left on the card that is now closed and the funds are " gone ''. They said the funds do not go to them ( BOA ) or back to the business that issued me the card. I asked for a replacement card and I would be happy to pay the fee for this and they told me no. The funds are gone. The account is closed and the funds are gone. I asked to speak to a supervisor who told me that once the card expires I loose the funds. I read on the back in small print that once it expires, the funds have no value after that but how can that be?

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 2019-09-02
Company: Experian Information Solutions Inc.
State: NC
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:
I have had the loans forgiven due to as of XX/XX/XXXX becoming XXXX XXXX. 

XXXX has made all the adjustments but I dont see it here with you XXXX. 

Can you please help with seeing that it has been applied to my report. 

I can be reached at+XXXX or XXXX XXXX XXXX XXXX XXXX , NC XXXX Thank you XXXX XXXX Balance Decrease DEPT OF ED/XXXX + Balance Decreased by {$95.00} DEPT OF ED/XXXX + Balance Decreased by {$1800.00} DEPT OF ED/XXXX  + Balance Decreased by {$270.00} DEPT OF ED/XXXX + Balance Decreased by {$270.00} DEPT OF ED/XXXX + Balance Decreased by {$1200.00} DEPT OF ED/XXXX + Balance Decreased by {$5100.00} DEPT OF ED/XXXX + Balance Decreased by {$1100.00} DEPT OF ED/XXXX + Balance Decreased by {$4000.00} DEPT OF ED/XXXX + Balance Decreased by {$4100.00} Updated Account Information DEPT OF ED/XXXX + Remarks Removed From Account DEPT OF ED/XXXX + Remarks Removed From Account DEPT OF ED/XXXX + Remarks Removed From Account DEPT OF ED/XXXX + Remarks Removed From Account DEPT OF ED/XXXX + Remarks Removed From Account DEPT OF ED/XXXX + Remarks Removed From Account DEPT OF ED/XXXX + Remarks Removed From Account DEPT OF ED/XXXX + Remarks Removed From Account DEPT OF ED/XXXX  + Remarks Removed From Account

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 2023-06-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Re : XXXX XXXX I filed a dispute with XXXX around XX/XX/XXXX in which the item could not be verified, so the item was deleted. Later, it was reinserted. I reached out to them about the reinsertion and requested a deletion, but they continue to report this inaccurate account on my credit file. 

I filed a dispute with XXXX who was reporting a monthly payment amount of {$47.00} when XXXX and Experian was reporting {$0.00}. Upon filing a dispute with XXXX, they updated the monthly payment to {$0.00}, but also changed the first reported delinquency date to XX/XX/XXXX when they first had it reported as XX/XX/XXXX. There are too many inaccuracies and contradictory information being added and removed by all 3 bureaus ( XXXX, Experian, and XXXX ), and is a violation of 15usc 1681eb. I want this account removed from my credit file with all 3 bureaus 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 2022-05-22
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I recieved a couple of business related payments through Venmo which ive had for a little of a year now and theyve always caused me some kind of problems since i first started using them. Recently i had a payment from a customer come in at {$190.00} and venmo took their cut and then reversed the withdraw that i initiated to be deposited into my normal primary account. They revered the withdraw and then froze both of my accounts and have been telling me the last 2 weeks that i am permanently banned and that they are going to hold my funds for up to 180 days and i cant do anything to the accounts and everytime i try to speak to someone they tive me the same runaround answers and i have receieved absolutely no feedback or answers

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: EQUIFAX, INC.
State: PA
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:
TO WHOM THIS MAY CONCERN, my name is XXXX XXXX XXXX, and I am writing this statement on my behalf. I recently discovered that I am a victim of identity theft and have had several accounts opened under my personal information without my consent. My information was used to obtain financial services or goods without my consent. I am requesting that the following information be removed from my reports immediately. The accounts I request to be removed are listed in this file and my statement below. 
Accounts to be removed : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX XXXX XXXX : XXXX XXXX bUSINESS TYPE : AUTO FINANCING DATE OF INQUIRIY : XX/XX/ XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.

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 2023-09-30
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Fruad Charges were made on my master card. I disputed the charges and they rermoved but before they were removed i was turned for late payments to the 3 credit bureau 's. 
XXXX and XXXX has removed the late payment, but Experian refuses to remove them which is affecting my credit.

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 2022-07-10
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have XXXX promotional offers 0 % interest with my Citi Best buy card. 
One that is set to expire on XX/XX/XXXX and one that is set to expire XX/XX/XXXX. 
On the promotional offer that expires in XX/XX/XXXX that had a balance left of {$100.00} we made extra payments to clear the balance. 

During the month of XXXX and XX/XX/XXXX we made 5 calls to Best Buy XXXX credit card - asking them to apply the extra payments to the older promotional offer - each time we are told they take care of it. TODAY XX/XX/XXXX we talked again with another supervisor as we still have a balance of {$29.00} - after again making an extra payment on XXXX to clear the balance and it still went to the newer promotional offer. They told us again that is taking care of - if the balance is not cleared we are going to be charged over {$800.00} in deferred interest. It is unacceptable on what CITI is doing and how they have not been able to assist us. 

They are in breach of XXXX XXXX act and not applying the payments toward the oldest promotional offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The servicer ( Select Portfolio Servicing, Inc ) refuses to accept my payments.On XX/XX/2018, I tryed to make a {$1000.00} payment which is more than one payment ( My regular payment is {$690.00} ). The servicer ( Select Portfolio Servicing , Inc ) Refused to accept my payment. The servicer is purposely not accepting my  payments and is trying to take away my home through foreclosure. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Portfolio recovery sued me and they have yet to prove I owe them anything. I used a consolidation company that completely defrauded me and closed all my accounts. I explained this to the company many years ago and they used it to reopen my file that was started when I was a minor. 
Not only that they never served me and are now trying to garnish my wages! Case Number : XXXX PORTFOLIO RECOVERY ASSOCIATES LLC XXXX XXXX XXXX Filling Courthouse : XXXX XXXX Filing Date : XX/XX/2019 Case Type : Collections Case - Purchased Debt ( Charged Off Consumer Debt Purchased on or after XXXX XXXX ) ( Limited Jurisdiction ) Status : Default Judgment By Court - Before Trial

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have two promotional balances on my credit card which I have made numerouspayments toward, but the balances are not where they should be. I have called Best Buy at least a dozen times since XX/XX/XXXX to try to resolve this, but they are not allocating my payments properly. I have paid {$3200.00} since XX/XX/XXXX and my minimum payments have been {$430.00} from XX/XX/XXXX through XX/XX/XXXX, leaving {$2800.00} to go toward my promotional balances, as I have requested over and over. The supervisor I spoke with last week finally managed to wipe out my first promotional balance of {$2200.00}. But, there is still a balance on my second one of  {$860.00}. The beginning promotional balance on that was {$890.00}, so my new balance should be {$340.00} after all the payments I've made, but Best Buy does not agree with me and says they will review it AGAIN. Also, the website is now showing my second promotional BEGINNING balance to be higher than it was. They have changed it from {$890.00} to {$960.00}. This is WRONG. I am attaching my statements supporting my promotional balance info, my payment info and minimum payment info. My XX/XX/XXXX statement with XX/XX/XXXX payment of {$200.00} is not yet available to send. I'm also attaching a screen shot of the change to my promotional balance from XXXX to 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 monetary relief
Consumer complaint received 2023-07-11
Company: AMERICAN EXPRESS COMPANY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I had booked flights from American Express travel. The flights were from XXXX, but XXXX XXXX cancelled the leg XXXX. Trip ID : XXXX I have paid for the ticket from XXXX. So I reached out to Amex and customer rep asked me to do a local booking from XXXX and Amex would reach out to XXXX XXXX and refund the amount. There was no followup or resolution to this. 

I reached out again for the same issue and I have received a ticket with # : XXXX Amex rep reached out again and said issue will be resolved after the trip is complete. 

I reached out again for the same issue after the travel is complete and I have recieved a ticket with # : XXXX I was told they would reach out to me in 2 weeks with resolution and no one did. 

I reached out again today for the same issue and the status of the earlier ticket, and the rep said the ticket was resolved. But I did not confirm nor did I receive any compensation. and I created a new ticket with # : XXXX The whole process is running for 4 months and no resolution is in sight. American express customer process looks like a scam and it makes consumer running around for resolution. I have Platinum membership where they advertise trip protection insurance but nothing is insured and the consumer is made to run through hoops.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-30
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This has been collected 2x from me by garnishment. I was never served. This shouldve been only 1 debt

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 2023-07-11
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I conttes these companies on multiple occasions and informed them on my identity being stolen yet they keep trying to make me pay this debt even repeatedly offering payment plans

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX / XXXX XXXX : XXXX / XXXX BUSINESS  TYPE : PERSONAL LOAN DATE OF INQUIRIY : XX/XX/2021 XXXX / XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: PNC Bank N.A.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off the balance of my auto loan to PNC Bank and they claim to have mailed out my title to the proper address on XX/XX/2020. The title never arrived in the mail. I spoke with the company as well as with a supervisor who told me that it was sent with regular mail without tracking or a signature requirement. They refuse to help me from their end with resending a new copy of the title. This is an clear situation of negligence on their part, no one would ever send their own original documents in such a fashion, without tracking or a signature, however they have no issue going the cheap route with the customers documents without being prepared to take action to help in such a case. They can not have it both ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Solar Mosaic LLC
State: AZ
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:
Solar Mosaic LLC reported an account on my credit record showing {$12000.00} balance. I never purchased any solar equipment and never okayed to get a loan for solar. I tried to get ahold of them and information I found left me with only message machine and got no call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 1. Account - XXXX XXXX XXXX 2. Account - XXXX from XXXX XXXX 3. Account - XXXX from XXXX XXXX XXXX I have 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 2023-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Capital One is placing holds on funds availability longer than the limit described in the USCODE -2010 title 12 chapter 41 ( Reg CC of the Federal Act - Expedited Funds Availability ), I deposited a cashier 's check in a branch with a Capital One teller on XX/XX/XXXX and the deposit receipt indicates funds will be available XX/XX/XXXX. According to Reg CC funds from deposited cashier 's check should be available for withdrawal not later than the business day after the business day on which such funds are deposited, which should be XX/XX/XXXX, or XX/XX/XXXX at the latest if the time of my deposit XXXXXXXX XXXX XXXX is considered to be after the close of business.

Company response to consumer: Closed with explanation