BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-13
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have a basic checking account with Huntington National Bank ( HNB ). In 2022 I was solicited for a new product offered by HNB linked to my checking account. It was advertised as a " Stand By Cash '' account where I could initiate a type of loan and have borrowed funds transferred directly into my checking account. I was initially granted a credit limit of {$300.00}. The terms of this type of loan are that the money is interest free as long as it is paid in full at the end of 3 months. The customer also has to make 3 monthly payments of equal amounts. I thought this was a good product so I borrowed {$150.00} in the beginning and repaid it in full as agreed. I also signed up for automatic payments from my checking account. Within 3 months HNB notified me that my credit limit had been increased to {$600.00}. Again, I initiated a loan to myself from this " Stand By Cash '' account in the amount of {$500.00} and signed up for automatic payments. One month after initiating the loan HNB lowered my credit limit to {$200.00} which made me appear over my credit limit. I contacted HNB about my concern and they confirmed that this type of loan product is reported to the credit bureaus. I, again, repaid the loan within 3 months per the agreement. One month following getting that loan repaid HNB increased my credit limit to {$750.00}. THEN... 2 months later, HNB decreased my credit limit to {$100.00}. I didn't even have any outstanding loan balance at that time. My concern is that within 1 year 's time HNB has arbitrarily increased and decreased my credit limits 4 different times for no reason. One time making me appear to be over my credit limit. Plus, they are reporting these different credit limit adjustments to the various credit bureaus thereby negatively impacting my credit score. I have never had a credit lending institution decrease my credit limit and on the contrary, I've only ever had my credit limits increased. I reached out to HNB one month ago ( the XXXX, MI branch ) to voice my dissatisfaction and concern and the customer service representative basically said that's how the product works. I did also receive a call from the District Manager but again, he only listened with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account. It is crucial that you promptly eliminate this incorrect account from my record.

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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 2021-05-09
Company: FinCo Services Inc DBA Current
State: TX
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:
I bank with " Current " On XX/XX/2021 sometime after XXXX my debit card was stolen, 6 unauthorized transactions between XXXX - XXXX were made as credit transactions. I shut my card off and reported it stolen, along with disputing the 6 pending charges. My bank emailed me saying, after investigating the transactions they wont be crediting my account for the amount that was stolen. They said the pin was used ... yet I gpt a notification that an invalid pin was used. They will dispute an accidental XXXX $ charge ... but when my card gets stolen taking {$400.00} plus. They tell me, " we understand your frustrations but unfortunately we cant do anything. '' They claimed to be FDIC. 

I also have screenshots of my location from XXXX map an where I was at, at the time of the unauthorized transactions which are 2 different locations. 

Current is refusing to review and investigate the unauthorized transactions. They are telling me that they cant do anything about it, to email the dispute team. Yet when I email the dispute team it takes them a week or longer just to reply saying they cant re-dispute them. 
Now I'm weeks behind on my bills which i have to figure out how to come up with that money. The pain and suffering this is causing is rediculas

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Convergent Resources, Inc.
State: MD
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:
Convergent Outsourcing Inc. Sent a letter addressed to me saying that I owe a debt that isn't mine and that if I don't pay it, they will add unauthorized information to my credit report which is a violation of the FCRA 15 USC 1681i as well as other laws. Please delete this debt as I do not owe it and you are not authorized to put any negative information on my credit report. I was lied to and misled at some point. I am here by exercising my rights under the FCRA. ACCT # XXXX should be deleted immediately. Validate the debt. Send copies of any contracts with my signature as I am the original creditor in all consumer credit transactions. There are also letters to XXXX, XXXX and XXXX attached.

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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Their investigation did not fix an error on your report

Complaint:
I am using my rights under the FCRA to contest any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements.For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I am giving you 30 days to investigate the matter and confirm that it is being reported correctly or remove it from the report. I would like for you to mail me physical proof of your actions and my updated credit report.These allegations appear to be inaccurate. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them 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 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX-remove line per FTC, XXXX & XXXX XXXX XXXX XXXX? XXXX XXXX XXXX XXXX? XXXX XXXX XXXX taken out fraudulently-still paid in full-zero balance, never late, never charged-off or sent to collections Delete " Dergoatory '' status under Account Details & in collections/charge off from account status-there is no collection or charge off account-line does not even exist on on other reports... 

Delete-comment " Payment after charge off/collection Purchased by another lender ''

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 2019-04-28
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
wakefield and associates has a XXXX dollar collection on my XXXX credit report, the only collection account ive ever had and the only serious derogatory ive ever had.the collectors original creditor they represent is XXXX XXXX.it is impossible that this charge is legitimate as always I have qualified for and had XXXX ... XXXX XXXX XXXX PLAN, A GOVERNMENT LOW INCOME PROGRAM WHICH WOULD COVER ALL LEGITIMATE AND LEGAL HEALTH CARE DEBTS.THE EXTORTION IS THAT FOR XXXX DOLLARS I WOULD PAY TO SAVE MY CREDIT ... AND IT MAY JUST BE WORTH THE PAYMENT BUT THE DAMAGE IS DONE MAKING ME UNLOANABLE FOR A DEBT THAT IS LEGALLY IMOSSIBLE TO OCCUR.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Experian Information Solutions Inc.
State: FL
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, your company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

You have violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information.

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

15 USC 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.

Due to your character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-2, 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802.

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 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX-remove line per FTC, XXXX & police XXXX XXXX XXXX? XXXX XXXX XXXX XXXX? XXXX XXXX XXXX taken out fraudulently-still paid in full-XXXX  balance, never late, never charged-off or sent to collections Delete " Dergoatory '' status under Account Details & in collections/charge off from account status-there is no collection or charge off account-line does not even exist on on other reports... 

Delete-comment " Payment after charge off/collection Purchased by another lender ''

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 2022-03-08
Company: U.S. BANCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have US Bank XXXX credit card. US Bank sent me an email to open Business checking account ( online ) with promotion ( {$300.00} cash back ). On XXXX XX/XX/2022, I tried opening the account online and it was approved. But I didn't " got any email confirmation about my a/c # and routing #. So i called US Bank twice during last 4 days. Either US Bank customer service is unsure that account opened or asked me to call later. I have no idea what's going on? On XXXX XX/XX/2022 call, I was told that business account can not be opened online.

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 2023-08-29
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: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-06-30
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

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 explanation
Consumer complaint received 2023-01-14
Company: T.S. Holdings
State: NV
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:
Unfortunately I have become a victim of identity theft over the course of the last 10 years that I am just now finding out about. 

Unauthorized collection accounts from identity theft : XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Unauthorized accounts that are closed : XXXX XXXX, XXXX XXXX, Unuthorized Inquires Continued : 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 Some of the inquires listed above have mulitple postings to my credit report. I have always lived at home with my parents. I have never lived on my own nor have I ever had utilities in my name. I believe my identity has been compromised for over the course of about 10 years. I have not been able to recognize a lot of the information on my reports and I am utterly concerned and would like to address this immediately. 

I have attached to this report, the FTC report that I have sent to all unauthorized closed & charged off companies, as well as to all soft/hard inquiries and they are verifying inaccurate information. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Experian Information Solutions Inc.
State: TX
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX Balance : {$26000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$320.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$300.00}.

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 2020-08-07
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there That reason can't be processed online. 
This request requires special assistance and can not be processed online. Please contact us at XXXX so we may better assist you with this item. 
XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not mine accounts not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-30
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: Their investigation did not fix an error on your report

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 explanation
Consumer complaint received 2021-04-13
Company: Shellpoint Partners, LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We were transffered to Shellpoint Mortgage XX/XX/XXXX from XXXX Bank. In XXXX when we tried to pay full mortgage payment we were told we could not and that we had a loan modification from XXXX Bank. WE DO NOT HAVE A LOAN MODIFICATION FROM XXXX. THEY DENIED IT XX/XX/XXXX. We sent them the paperwork of the denial. We do not want a loan modification. When we tried to pay in XXXX the same thing happened. We were told if we pay the full amount, there would be a {$120.00} fee. I called Shellpoint XXXX and told them the issue. I talked to XXXX XXXX, then XXXX XXXX. XXXX I talked to XXXX XXXX. They all said they would research this issue. XXXX talked to XXXX. Called XXXX. XXXX talked to XXXX XXXX. She told me we do have a loan modification. Said she would talk to XXXX. Called XXXX XXXX. Left messages. XXXX XXXX wants me to write a dispute credit error. XXXX is now looking into this. I called XXXX, XXXX left messages. XX/XX/XXXX was told managers dont know, unique situation. XXXX XXXX ay he'll call this afternoon. I haven't heard anything since. In the meantime we are paying only partial payments and being told we don't have to pay anything till XXXX. I assume this is ruin our credit. I don't understand what the problem is. we do not have a loan modification and need to pay in full the amount due. Cerrtainly in 4 months this problem could be solved.

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