BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-19
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My  XXXX  account was hacked I spoke with  XXXX  and the refunded what they could on their end and emailed.  Letter instructing the bank on how to retrieve my money that was stolen and my financial information was compramised and I filed a dispute with. Huntington bank in the ban k mysteriously and the copy of the email from  XXXX  and the dispute was lost I still retain my copy of both then I had to refile on a different day then I was told after checking on it that only  XXXX  dollars would be refunded even though  XXXX  were stolen and that there was only a  90day windo w from the time it was reported well they never  went 80days ba ck because I went through the bank statements with the banker in my branch and sent them a total as well as phone banking reps I feel like this decision was made with prejudice and I am being discriminated against because the process and procedures were not folles as well as being refused and hung up on once I requested to speak with a compliance  officer  and I have that right several of my rights were violated and this is not faut

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: Abrahamsen Ratchford, P.C
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The Rashford Law firm has called me multiple times about a debt that is not mine. The Gentleman has also called my place of employment and harassed my employees about verifying if I work here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am writing to try to bring to resolution an identity theft perpetrated by an individual or entity using a synthetic ID of me through a Citibank account that if left uncorrected could be very detrimental to my financial standing and potentially incur financial penalties and sanctions from the IRS. 
I received a 1099-MISC tax form from Citibank stating that I had received {$830.00} in other income for tax year 2022 from an unknown ( to me ) Citibank account XXXX The 1099-MISC form was sent to me with the correct street address, state and ZIP code, but listed the town where I moved from 10 years ago, not my current town of residence. The last XXXXour of my SS number are correct, but the account number is not one I recognize from my decades of dealing with Citibank. 
I brought these facts up with customer service as well as speaking in-person with a local Citibank branch manager. I was told the account number was linked to an IRA through XXXX XXXX XXXX, and a fraud investigation was started. I was told I would receive a response/update in 3-5 business days by email. That was three weeks ago, and despite multiple calls, I havent received any response as to the status of this 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 explanation
Consumer complaint received 2021-06-14
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
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:
Dispute letters were sent to the credit reporting agencies regarding account XXXX XXXX XXXXXXXX due to incorrect information. I had an agreement with the creditor to remove this account once it was paid off, so I am confused as to why this is still reporting. I am requesting that this account is removed due to its many inaccuracies. How is different information reporting when all data furnished should be the same. It is my understanding that consumer reporting agencies are to follow reasonable procedures to ensure maximum possible accuracy of information in consumer reports. 15 U.S.C. 1681e ( b ). This account should be removed immediately due to the fact that I had an agreement with the original creditor and because the information is inaccurate. I know that this violation can be taken to small claims court, and I will be able to show the inaccurate report and proof that it has caused me to suffer damages. Please see the attached inaccurate report showing the different balances you are reporting for the same account number.

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 2017-05-19
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My husband has an old debt from a credit card. We would like to settle and pay once we get in a little better financial position. In the mean time, we habe received many threatening letters fro m Weltman, Weinman and Reis law fir m. They threatened to take us to court, garnish our wages and bank account. With fear of them taking out all our money in the bank that we need to pay our house payment and utilities, I agreed to make fair payments,  one  for  XXXX  $ on  XXXX   XXXX ,  XXXX  $ on the  XXXX , and another  XXXX  $ on the  XXXX . This firm took  XXXX  $ out of our account on  XXXX   XXXX ,  XXXX  $ out on  XXXX   XXXX , and another  XXXX  $ on  XXXX   XXXX , which overdrew our account and we incurred fees and now do not have any money!!! I am terrified that this law firm will sue us because they call multiple times a day and send many certified letters with lots of legal verbage with writing that looks like we have to appear in court and our bank accounts and wages will be garnished. Because this firm did not take out the correct payments on the dates I approved, our bank account is now in the negative and we have overdraft charges!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: Bread Financial Holdings, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
ISSUE 1 : PayPal Credit account was opened with several promotions that ran consecutively stating no fees or payments for 6 months each, and at the end of the promotion the interest rate would be applied to whatever balance remained, and your payment would be calculated. Numerous overpayments made when no payment was due on the account. Multiple payments were made in one month. When PayPal Collections was asked how overpayments are applied, they refused to provide an answer, but kept telling me I had an alleged balance that needed to be paid immediately. PayPal mailed credit statements that are different from the online activity statement, and is misleading and confusing to the consumer. I did not see the discrepancy until I did an audit of my account. <P/>ISSUE 2 : PayPal fraudulently removed overpayment amounts from my account by erroneously listing payments as Denied Balance Payment online. The alleged denied balance payments are not listed in the actual paper statement received from PayPal, and there are no Denied Payments on my bank statements. For example, on XX/XX/XXXX and XX/XX/XXXX paper statement mailed to my address there are no transactions listed, but on the online statement it states, XX/XX/XXXX - PayPal Credit Denied Balance Payment - {$260.00}. The other denied payment is listed online for XX/XX/XXXX, but is not listed on any of my bank statements or the paper statements provided by PayPal. The following ( based on PayPal records and statements from XX/XX/XXXX through XX/XX/XXXX ), is the total breakdown by year : XX/XX/XXXX Forward balance in a promotional period was {$480.00} Promotional Purchases from XX/XX/XXXX : {$510.00} ( Total w/ balance : {$1000.00} ) - Payments from XX/XX/XXXX - XX/XX/XXXX : {$540.00} - Refunds from XX/XX/XXXX - XX/XX/XXXX : {$170.00} Total Payments & Refunds : {$720.00} Promotional Purchases from XX/XX/XXXX - XX/XX/XXXX : {$1000.00} - Payments from XX/XX/XXXX - XX/XX/XXXX: {$1900.00} - Refunds from XX/XX/XXXX - XX/XX/XXXX : XXXX Total Payments & Refunds : {$2800.00} XX/XX/XXXX - Forward CREDIT : {$1500.00} - Purchases from XX/XX/XXXX - XX/XX/XXXX : {$700.00} - Payments from XX/XX/XXXX - XX/XX/XXXX : {$760.00} - Refunds from XX/XX/XXXX - XX/XX/XXXX : {$160.00} TOTAL APPROX. CREDIT AVAILABLE :  {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX XXXX XXXX XXXXXXXX, 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 2023-07-18
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.

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 2018-10-30
Company: CHARLES SCHWAB CORPORATION, THE
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have had a Charles Schwab account for a while and due to my husband 's unemployment, we have had overdrafts - I don't mind paying when there is a legitimate overdraft. However, Charles Schwab routinely holds my deposits and will not release the funds - even well after the funds have been substantiated - and continually charges me overdraft fees. This month alone I have been charged {$150.00} mainly because they will not release the check funds. This is very unfair and one of the checks is written from my very own account so I know that the money has cleared the bank.

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 2018-10-30
Company: EQUIFAX, INC.
State: UT
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:
Requested credit report from Equifax. They sent me completely wrong information, ALL belonging to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: TCF NATIONAL BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I reviewed my checking account bank statement from  TCF Bank  and I saw several unauthorized charges to a  XXXX  accoun t (   XXXX   XXXX   XXXX   transit card ). They were small in dollar totals,  XXXX  a charge and when I reviewed older statements I saw these charges several times dating back to  XXXX  of   XXXX  . Although it never made me bounce a check I inquired a t TCF what these charges were for and the very nice teller stated when TCF sent out new debt cards they were linked to public transit. I asked when was I opt-in to this service and I was told I did n't, it was mention in the disclosure of the new debt card. I would love to know how much money TCF has made in over draft/NSF charges by others not knowing their debt card was being hit with a charge every time they boarded a train or bus. This seems to be a very clear UDAAP violation by not telling us, the TCF customer, about thi s service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been a customer since  XXXX    XXXX   and paid annual fees on my business credit card every year ; I had  t  hree Capital One c redit cards in total. My Spark account number ends in  XXXX . On Thursday (  XXXX  ) morning I was declined for a purchase in  XXXX , OH while on a business trip. I learned that  Capital One h ad closed all three of the credit card accounts. Front line customer support will not provide any information. The  Executive Relations office also would not provide any information.      The mailed letter on the  XXXX  card says " We have observed activity on a past or present  Capital One  account that is not consistent with our expectations of usage for personal, family, or household purposes. '' This  XXXX  card is a business account, so the reason does not make sense. The mailed letter for the  XXXX  card contradicts this first letter and states " We have observed activity on a past or pr esent Capital O  ne  account that is not consistent with our expectations of usage for commercial or small business purposes. '' This card had not been used for over  five ye  ars, so again the letter is non-factual and n on-sensical. The third, most recently opened  XXXX  card did not receive a letter at all and was closed.     Aside from not providing a valid reason for the credit decision to close my accounts, I was told by a phone rep that the rewards for my pending charges would be made available for redemption. I had a charge on  XXXX   XXXX  that posted on  XXXX   XXXX  for which the 2 % cash back was not made available. The amount of the charge is {$9500.00} and the cash back should be {$190.00}.     I called several times to try to resolve their failure to honor the cash back on this purchase. During this time  Capital One  charged me a {$39.00} late fee and {$41.00} in interest charges while it researched its own internal failure. I paid off the balance on this and all accounts, and I have a long history of 100 % on-time, full balance payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have bank of america for last 20 years. I used to get email when my balance of my account go below theshold limit so i do n't pay them maintenance fees.     bank of america has started charging me {$14.00} fees for las t three mo nths without my knowledge, as i was not getting any paper or email statement starting from  X/XX/2017    to   XXXX     i have paid {$42.00} in maintenance fees.     every time i tried to call them the line is too busy and there is no email address to send them email on there website.

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 2017-06-28
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have called experian twice regarding my credit report and unauthorized hard inquiries as well as addresses listed on my account.   Those items were  XXXX   XXXX   XXXX   XXXX  mo  XXXX   XXXX    XXXX     XXXX    XXXX   XXXX   XXXX  mo  XXXX   XXXX  hard Inquires   XXXX   XXXX     XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX  &  XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX / XXXX / XXXX  ...  XX/XX/XXXX  XX/XX/XXXX    XXXX   XXXX   inquiry.  XX/XX/XXXX As well as an account linked that i would like removed This is not my account and preventing me from establishing a home Credit acceptance-  XXXX  This was placed on my credit report by experian with out recieveing contract to verify. Please delete

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 2023-01-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: Verisk Analytics Inc
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/2023 To Whom It May Concern, Subject : Request for Supplementary Report and Related Personal Information I am writing in accordance with my rights under federal consumer law, specifically the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to request a copy of my supplementary credit report and all related information that your agency holds pertaining to me. In addition, I kindly request any security keys, PINs, or other relevant authentication details associated with my information. 
Under the FCRA 's 609, Disclosures to Consumers, the law states : " ( a ) Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumer 's file at the time of the request... '' Given the above, I expect your agency to provide me with the requested information in compliance with this regulation. 
Furthermore, I kindly request that all provided information be channeled through the Consumer Financial Protection Bureau ( CFPB ). This is to ensure transparency, accuracy, and adherence to the guidelines that protect consumer rights. 
Your timely attention to this matter is highly anticipated. I expect a response within the 30-day window as specified by the FCRA. If for any reason my request can not be fulfilled entirely within the stipulated timeframe, please inform me at the earliest opportunity with a valid reason and the anticipated date by which I can expect my request to be fully addressed. 
I have enclosed copies of a utility bill and my identification for the purposes of identity verification. I explicitly do not grant permission for my provided information to be added to your database or for any subsequent updates to be made to my personal information using this provided data. 
You may respond to this request by forwarding the requested information to the Consumer Financial Protection Bureau ( CFPB ) or by emailing it directly to me at XXXX Thank you for your cooperation. I trust that your agency will handle this request with the diligence and urgency it requires. 
See enclosures to verify identity. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation