BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-22
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On approximately XXXX XX/XX/, someone had come in and tried to open an account with my personal information. At that time, I filed a report with the FTC and froze all of my credit through the three major credit monitoring companies. About a week later a branch of Huntington Bank in XXXX called and informed me that someone had gone into the bank to withdraw funds from an account but the information on the identification didn't match my personal information ( incorrect phone number ). This happened multiple times throughout the weeks following. Huntington put an alert on my account requiring two forms of identification in order to access the account. None of these safeguards have worked and ultimately the criminals were able to steal around {$3300.00} from my business operating account. One theft occurring on XXXX XXXX and two additional thefts on XXXX XXXX. Huntington upsold me a protection plan to ensure my accounts safety. Thier protection plan required online training which has been completed. However, due to their inability to properly implement the enhance security protocols, multiple electronic transfers have been denied resulting in unpaid vendors and compromising our ability to conduct business. A myriad of attempts that have been made to ensure this would not happen on my end. Huntington 's lack of action not only resulted in my money being stolen from my business but also the upsold " protection plan '' has now compromised my ability to conduct business by freezing all accounts even though assurances were made at multiple levels such things wouldn't happen. I know we aren't a XXXX XXXX company, just a small landscaping firm trying to eke out a living, but this all seems unfair bordering on unethical. Huntington failed to follow their own policies to protect my funds when this all started. Even after purchasing the advanced security measures, their lack of support has resulted in my funds being frozen even though I have completed every step of the process and made multiple inquires and received multiple assurances that it would not happen. I am currently on the phone with vendors trying find alternative solutions. This has been a nightmare and has compromised my business. All because Huntington failed to follow the proper protocols which they assured would fix this problem and keep my money safe.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-01
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX on XXXX and account # XXXX on Experian ( different account numbers ), XXXX XXXX Account # XXXX, XXXX 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 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 2023-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-08-03
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Barclays has failed to Credit me for a return of Items to XXXX XXXX in XX/XX/XXXX. 
All ITems were returned to merchant XXXX an documented.

Barclay never issued the credit. Now accumulating fees etc. NOTE THE PROBLEM IS THE REFUND WAS ISSUED TO OUR ACCOUNT ENDING IN XXXX which was closed by XX/XX/XXXX. 
The replacement for the account was account XXXX so the credit never reached it. 
Dosent stop you from confirming with XXXX. 

Mastercard XXXX XXXX XXXX XXXX XXXX XXXX PA, 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 2021-05-13
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
Experian is reporting inaccurate names & addresses on my credit file

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 2022-04-15
Company: BANKMOBILE TECHNOLOGIES, INC
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX My federal student loans disbursed by XXXX XXXX XXXX XXXX deposited over {$6000.00} into my Bank Mobil online student checking account early XX/XX/XXXX. 

Bank Mobile allowed XXXX XXXX to have full access to my funds, personal information and allowed them to dictate my privacy settings no matter whether the information was accurate or not. Further, Bank Mobile Vibe, violated their own online policies as they couldn 't nor wouldn't verify to whom, for what reason, nor tell me where my federal went. 

I have used XXXX XXXX successfully and w/o incident to send money to my monthly creditors. 

I noted two large debits from Checking account and noted that I did not authorize, consent, nor benefit from having these funds debited from my online student account.

I notified this bank immediately when I discovered the unauthorized funds missing from my account. I was transferred to 5 different banks reps. prior to getting the fraud dept. in which I originally and clearly requested. I see now that this was a deterrent and a method to discourage and prevent me from properly reporting these gross errors to the proper department. I was even disconnected after holding 10 mins for the fraud department. However, I persisted and did rightfully and honestly report the funds missing from my account. I was certain the bank would promptly return my monies as the debits to XXXX XXXX were missing the normal data i.e. name of individual receiving the funds, their account number, date, location and any memos necessary and/or entered by the account holder. THIS INFORMATION PROVIDED ME ON PREVIOUS SUCESSFULL USE OF XXXX XXXX were not provided m as described on the bank 's website with regard to the their policies, procedures and protocol. In fact, the bank could not tell to whom or to what business my funds went too. I was shocked and flabberghasted by this bank 's negligence and failure to tell me where my funds went and they didn't even care.

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 2023-03-30
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. Equifax is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: NE
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. Account name : XXXX XXXX XXXX XXXX, # XXXX, ( XXXX, EXPERIAN ) 2. Account name : XXXX XXXX XXXX, # XXXX. ( EXPERIAN, XXXX ) 3. Account name : XXXX XXXX, # XXXX, ( XXXX ) 4. Account name : XXXX XXXX # XXXX, ( EXPERIAN ) 5. Account name : XXXX XXXX, # XXXX, ( XXXX ) 6.Account name : XXXX, # XXXX XXXX ( XXXX ) 7. Account name : XXXX XXXX XXXX, # XXXX, ( EXPERIAN, XXXX ) 8.Account name : XXXX XXXX XXXX XXXXA, # XXXX, ( EXPERIAN ) 9.Account name XXXX XXXX XXXX XXXX, # XXXX, ( XXXX ) 10.Account name : XXXX  XXXX XXXX, # XXXX, ( XXXX XXXX 11. Account name : XXXX, # XXXX, ( XXXX ) 12. Account name : XXXX XXXX, # XXXX, ( XXXX ) 13. Account name : XXXX, # XXXX, ( XXXX ) 14. Account name : XXXX XXXX I, # XXXX, ( XXXX ) 15.Account name : XXXX XXXX XXXX XXXX XXXX XXXX, ( EXPERIAN ) 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.

2. 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Phoenix Financial Services XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX These companies call me several times nearly every day and have left several messages attempting to collect on a debt from a single hospital visit in XXXX that is in collections since XXXX with XXXX XXXX XXXX. The initial bill was for {$880.00} which I disputed with the hospital because it was a follow up visit to have stitches removed and I was told by the Dr . I saw I would not be charged for a full ER visit upon return and I was anyway, so I refused to pay the bill. 
XXXX XXXX XXXX is on my credit report for the full {$880.00} as a debt collection and now Phoenix Financial Services has placed a collection on all 3 of my reports ( which I am disputing ) for  {$350.00} ( same bill/visit ). They sent me a letter ( I threw it away ) that stated if I pay them {$350.00} they will remove the collection from my credit reports. Together, these collection agencies are charging me {$1200.00} which is more than the initial hospital bill. 
I've had issues with XXXX XXXX XXXX in the past, where they find creative ways to keep debts on consumers credit reports by doing fraudulent activities such as this and I would be 100 % certain these two companies are engaging this illegal activity together

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Experian Information Solutions Inc.
State: IL
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 sent a request to XXXX, XXXX and Experian to remove inaccurate addresses and names on my credit report and I included my 2 forms of identification to verify my identity and that I was the one initiating the dispute and every time XXXX and Experian replies saying provide verification documents and I do and they just send the same automated respond. XXXX does not reply at all. It has been longer then 30 days for all 3 requests and nothing has happened.

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 2022-04-15
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: Personal information incorrect

Complaint:
XXXX experian and XXXX are continuing to report a account on my consumer report that does not have the correct name. the name credit control has on the documents they sent says the last name is XXXX. my last name is not XXXX, it is XXXX. I have been in correspondence with the debt collector credit control putting them on notice of this error and they continue to furnish this account to the 3 bureaus. I also attached a updated copy of my XXXX  credit report dated XX/XX/2022 showing you that credit control recently reported to the 3 bureaus AFTER I had put them on notice and also a copy of my experian results saying this account remained on my consumer report. I have already put credit control on notice, put the 3 bureaus on notice and I have already submitted a complaint against credit control. I have sent the 3 bureaus proof of this error and they continue to be in non compliance under fcra. credit control is violating the fdcpa. XXXX experian and XXXX are violating the fcra and all agencies are violating my right to privacy,.

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 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
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.

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.

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 2023-08-02
Company: NCP Holdings, L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
NCP Finance Limited Partnership {$1200.00}. I have no idea who this comapny is. Can they provide me the original application, ssn #, copy of signature, DL #, & current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I received a Capital One credit card in the mail. I did not apply for the card it came without my knowledge of its existence. I have tried 4 different times to cancel the card with Capital one and they refuse to cancel the card and even refuse to transfer me to a supervisor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: GA
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 ( XXXX XXXXXXXX ) Account # XXXX, ( XXXX ) Account # XXXX, ( XXXX XXXX XXXX ) Account # XXXX, ( Department of Treasury ) Account # XXXX, ( Department of Treasury ) Account # XXXX, ( Department of Treasury ) Account # XXXX, ( XXXX XXXX ) Account # XXXX, ( XXXX XXXX ) 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 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 2023-03-30
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
To Whom It May Concern : I went to sign into my PNC Bank account today, and I received a pop-up reflecting that my on-line banking had been revoked. 
I spoke to various customer service representatives, and even used the chat feature, to find out why my on-line banking had been revoked. All I was told by several representatives was that my on-line banking could be revoked for up to 30 days while they are investigating my account. Not one representative could tell me why. I requested a call back from someone in the Investigation Department.

6 hours later, a Manager from PNC called me. Apparently, I was not allowed to speak to the Investigation Department directly. The Managers was very helpful. Although she did not know the answer as to why my on-line banking had been revoked, she was determined to find out. 
After being on the phone for 35 minutes with the Manager ( she was playing the middle person between me and the Investigation Department ), she found out why my on-line account was revoked. And here is why I deposited a 3rd party check into my PNC checking account, via ATM, with the payees signature and my signature as I was instructed by PNC. 
PNC then sent me a letter and a copy of the check and instructed me to take these documents into a PNC Branch and redeposit the check along with my identification and the payees identification. Therefore, the payee and I went to a PNC Branch and followed their written instructions.

The reason for the revocation of my account was due to attempting to deposit the same check twice. If the Investigation Department actually knew how to investigate, they would easily be able to tell that I was instructed to deposit the check again at a Branch with the Payee. 
Even though the Manager told the Investigation Team that I was instructed by PNC to redeposit the check, they werent listening. They had her tell me to go into a PNC Branch and show them proof that the check I deposited was made out to me. I told her several times, the check was not made out to me, hence the reason why the payee and I went into the Branch with our IDs as instructed. Its not like I was credited twice for the deposit.

I also gave them additional information that they didnt ask for. One, the payee of the check was my father, and I could send them proof. Two, the reason my father signed the check over to me in the first place was to repay me for the cost of my uncles funeral. My father did not have the money to pay for the funeral upfront, but reimbursed me with the life insurance check once he received it. 
At the end of my conversation with the Manager, nothing was resolved, and I was told again that my on-line account may be revoked for up to 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately

Company response to consumer: Closed with non-monetary relief