BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-12
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am in the process of trying to buy my first home. Huntington has made multiple mistakes that would have cost me an additional {$12000.00}, had I not read the disclsoures accurately. 

My initial pre-approval letter was completed at the beginning of XXXX for a 3 % down payment. I made an offer on a home shortly thereafter and all documents were sent to the bank, including the purchase order. They then proceeded to offer me a loan disclosure with a different down payment of 5 % and I was told this was because of my income level, which I was never advised of from the beginning. I provided my income level at the beginning, too. Shortly after, someone at Huntington read my purchase agreement incorrectly and assumed that the remainder of my down payment was actually earnest money and that it was already paid. That was then credited to closing costs causing the initial cash to close amount to go from {$12000.00} to {$19000.00}. Had I not done my due diligence, I would not have uncovered this. This was after weeks of trying to get a response. I was then laughed at via email when I said I was getting upset with the process. He responded with " lol, '' which was very unprofessional. Fast forward to XX/XX/XXXX, and I spoke with a manager and he assured me that the process would be smoother going forward. 

However, since then, I have uploaded all financial documents requested along with additional details and have continually asked the status of the closing and I still can not get in contact with anyone who has answers. I also was required to provide an original copy of the 4506-T form by mail, rather than signed electronically. I was told that the IRS does not accept electronic copies, but I found out directly from the IRS that they do, in fact, accept electronic copies signed via XXXX. 

Additionally, I was told the form would be XXXX  overnight. 2 days later, I received it. I forwarded it back that very day within an hour of receiving it. That was at the end of XXXX. It is now XX/XX/XXXX and I am weeks away from closing with no update from anyone. I have been treated very poorly during a global pandemic and am upset and unsure if I can even trust the process and loan process with Huntington at this point. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: BARCLAYS BANK DELAWARE
State: SC
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 set auto-payment with my XXXX XXXX bank account ending in XXXX to pay Barclay credit card $ XXXX   monthly, due to Covid-19 unemployment. However, on XXXX XXXX, Barclay withdrew {$450.00} from my bank account without my consent. Because my bank account was misappropriated, I contacted Barclay to credit my bank account the payment, but I was informed that the bank doesn't have the capabilities to rescind the payment. 

Based on the agent that I spoke to about resolving the issue, this withdrawal was intentional and without a resolution. The tape recorded conversation is attached for review. 

Due to Barclay decision not to rescind the payment, I have requested XXXX XXXX to credit the payment to my bank 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 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
We pay our Credit Card Bill via XXXX XXXX. It is handled through our Bank Account at XXXX. XXXX receives the check and instead of applying it to the credit card account they deposit it into my savings account. We have been charged numerous late fees and credit has been affected. We have spoken to people many times they correct it and then it happens again. They are just not capable of fixing a problem or do not have the authority to do so.

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 2023-05-30
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX my phone was taken and it appears it was able to be accessed and someone sent themselves around XXXX $ on XXXX. I disputed via XXXX app but could not get any success via their support. I tried to call chase bank and report this and get it reported as fraud but all the rep did was order me a new debit card from the returning correspondence I received from chase. I do not have a copy of my police report yet but have included a screenshot w the tracking number awaiting it to be filed. 


Also it appears there may be some flaws via the XXXX app that are not being addressed as a quick look into this it happened for others, but the XXXX app auto disables biometric settings on updates which leads to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Confusing or missing disclosures

Complaint:
Transferee from TD checking account to TD credit card XXXX $ payment. Bank took money from checking account immediately, but says my credit card payment is pending for 24 hours! I lose interest from checking account. I still pay interest on credit card and bank keeps my XXXX $ somewhere for 24 hours

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions 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:
I didn't apply or have no knowledge of these account these account are fraudulent and i will like these account removed are 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 explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts on these accounts. I am never been late in this 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 non-monetary relief
Consumer complaint received 2023-05-30
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Its fraud company name is wise transfer i will made account in this application and i will pay XXXX usd of debit card payment and XXXX $ in my account but this company deactivate my account without my permission and I still haven't got my funds back yet they gave me 30 days time and I have not received my fund till now nor have I received any email from him.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
all credit agencies reporting past 7yrs outdated since 2006 and not my accounts ... remove all from credit files asap .... '' cap XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: EQUIFAX, INC.
State: MA
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: JPMORGAN CHASE & CO.
State: GA
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:
On XX/XX/XXXX, I reserved 2 hotel rooms for a future date in the Marriott mobile application at the XXXX XXXX in XXXX XXXX and was never presented with a disclosure that the hotel required a deposit to hold the reservation. In addition, the hotel even calls out that one can cancel the reservation without any penalties a number of days prior to the reservation date. On XX/XX/XXXX, Marriott 's XXXX XXXX in XXXX XXXX charged my Marriott XXXX credit card for a hotel reservation in XXXX XXXX two separate charges of {$660.00}. I contact the XXXX XXXX and they apologizes for the charges and would reverse them. These charges were presented on my XX/XX/XXXX statement ( Payment due date ). 

My XX/XX/XXXX statement showed only one charged had been credited back to my Marriott XXXX account on XXXX XXXX, XXXX. So contacted the hotel again explaining to them the situation as I had now received a notification that a credit bureau had been informed that my account with Chase ( Marriott XXXX ) was delinquent. The XXXX XXXXXXXX XXXX  accounting department called me back later on XX/XX/XXXX to inform me that they had made a mistake and that their account system only processed one of the two charges. 

This morning ( XX/XX/XXXX ) I reached out to Chase seeking their assistance in reversing the delinquent notice to the credit union. They explained to me that I was at fault for assuming that the XXXX XXXX, their partner and affiliate for the Marriott XXXX card, would have processed both refunds. They went on to say that I should have paid the minimum balance for a charge I did not approve and attempted to handled directly with their partner and merchant, Marriott. Chase had initial informed me that I could dispute this charge but it would be easier if I contacted their partner, the XXXX XXXX. They did not disclosure to me the potential impact by not opening a dispute if this situation went on for some time. The Chase Credit Bureau Specialist Unit further stated that I need to contact the credit bureaus to resolve my issue and reiterated that I should have paid the minimum and I could have called back to ask for my money back. They were able to see this morning that the refund from the XXXX XXXX in XXXX XXXX was pending and would clear tonight. 

My concern is what is a consumer supposed to do if a credit card company is not willing to assist one of their customers when the credit card company 's partner illegal charges that customers credit card. At this time, my credit score has been impact by Chase 's actions along with Marriott 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Experian Information Solutions Inc.
State: FL
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 2023-05-30
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: MN
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Minnesota You are in direct violation of the fair credit reporting act ( UAC/Carhop ) Has violated several of my rights.

15 u.s.c 1681 section 602 A. Clearly states that I have rights to my privacy.

15 u.s.c 1681 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 u.s.c 1666b : A creditor may not treat payment on a credit card account under a open-end consumer credit plan as late for any purpose.

Remove the late payments and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sent in my usual mortgage payment for XXXX ... they cashed the check but did not credit my loan. 

I sent them proof of my payment ( front and back of check ). 

Now they say they don't know where they applied the money for my account and are " again '' asking me for proof of payment. 

It's not my problem that they received my check for my mortgage, cashed it, but didn't credit it to my loan. 

Now I'm concerned my credit score will be ruined ... my normal score is over 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 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have contacted this company, " XXXX XXXX XXXX '' and today trying to locate these so called debts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I gave the representative my full name, address, and social security number, telephone number, former address and she still could not find any collection accounts in my name. But this company has listed all four of these collections on my credit report! Please investigate this and have them to remove this at once! 

XXXX Transunion and XXXX are reporting this inaccurate information on my report. I disputed this information last month and they claimed to have verified this but how could they have verified information that the Collection company cant even verify? They lied, they NEVER investigated they just sent me a letter sitting that it was verified.

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 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
5. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I told the XXXX, Transunion, and XXXX to reinvestigate the accounts above. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2023-05-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
When I opened my account ( it was ING Direct back then ) the interest paid for their high yield savings account was over 3 %. As interest rates were cut in the years since that went down to 0.3 %. Now that the fed has been raising rates I assumed that the interest rate on my account was also being raised, as it was for my other high yield savings accounts. Apparently, to take advantage of Capital One 's current 3.9 % rate I have to close my Capital One 360 Savings Account and Open a Capital One Performance 360 Savings Account. Capital One automatically lowered my interest rate when the fed cuts rates, but to take advantage of a rate increase I need to open a new account? I was never notified that this would be the case. This has literally cost me thousands of dollars in lost interest payments. I don't know that it's criminal, but it feels like it comes pretty close. I called their customer service and was told I could file a complaint but there's a 45 - 60 DAY turn around time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Synovus Bank
State: IN
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 paid first progress on XX/XX/23. They sent me a confirmation code saying they received my payment. I noticed my score went down almost XXXX points. I called them and they 1st said my bank declined it. There are no declines on my account and on that day I had more than enough money to cover it. Then they told me that they weren't authorized to take it. I asked how did I receive a message saying that my payment was received and a confirmation number if it wasn't paid. They told me that they couldn't see that and I would have to send a letter to a XXXX XXXX XXXX Then I was told they have the confirmation but they can't wave the extra late fee and that I can only send a letter to the company and they might do it. I have screenshots showing that I made the payment to them and that they are showing that I'm current.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
On XX/XX/2022 someone applied under my name through XXXX  XXXX XXXX, who I don't have an account with, for a XXXX credit card. This has negatively impacted my credit scores with at least one of the credit reporting companies TransUnion. XXXX  XXXX XXXX has reported this to their fraud division but they said I needed to report this to the credit reporting companies. TransUnion advised that they require a police report or a report made online through FTC Fraud website, which directed me here.

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 2023-07-01
Company: Comerica
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Fraudulent charges and was immediately altered but charges keep coming and overdraft fees too! Over {$2800.00} in fraud charges allowed but account balance was only {$700.00} and didnt have funds available. Should have been alerted and stopped but I luckily noticed it the day it showed pending on account and called bank. I have a case number. About 3 direct deposits have been made to account and because of negative balance, can not access any money. Paychecks and social security arent available so XXXX dollars to spend

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-30
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received a promotion that stated : Pay at least one insurance bill with your Fidelity Rewards Visa Signature Card by XX/XX/XXXX to earn a one-time offer of XXXX Reward Points I paid a XXXX bill on XX/XX/XXXX in the amount of {$210.00}. 

The terms state within 2-3 billing cycles but the promotional points have not posted.

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 2023-05-30
Company: Amsher Collection Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company has added a debt to my credit report that does not belong to me. They are sending a bill for large amount owed for a company I still do business with and am in good standing with. They have not responded to my disputes or any of my identity theft documents I've sent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation