BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-16
Company: HUNTINGTON NATIONAL BANK, THE
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I submitted a mobile deposit of {$10000.00} ( the max allowed ) with a check from my parents to my account at Huntington Bank. We have the same last name. 

On XX/XX/XXXX, I received an email that a hold was placed on my deposit- which I completely understood and had no problem with that. I tried signing into my account later that day in the afternoon to check my balance and I was locked out. I called Huntington Bank, who proceeded to tell me that my account has been flagged for immediate closure. I was stunned. They provided zero details over the phone, except that I would receive a letter in the mail. I panicked and immediately drove over to the nearest branch. 

After calling their headquarters, I was informed by the bank teller that they suspected the check could be fraudulent. Instead of waiting to see if the check cleared, instead of contacting me, instead of contacting my parents ( who wrote the check ) or their bank -- they just decided to immediately close my account with no advanced notice to me. My account was completely frozen. Had I not tried to check my balance that day, I would have had no idea -- payments scheduled would have bounced- including my mortgage payment. 

The teller emptied out my account and handing me the remains of my account, consisting of {$2900.00} in cash. They told me I have to wait until XX/XX/XXXX when the check clears to get the {$10000.00} and come back. This is outrageous. Why would they close my account BEFORE concluding if the check was fraudulent? I was a customer of TCF for 20 years before it merged with Huntington. To make matters worse, this was the last day of the month -- I had to scramble to set up a new checking account at another bank in order to make sure I could pay my mortgage on time. I had to cancel planned payments and change them to my new bank. I had to take time off work to deal with this issue.by visiting my mortgage company to fill out paperwork in order to stop the auto payment for my that would have bounced. 

Perhaps the worst thing of all- is that the tellers told me this has happened to other people before. So Huntington has known about this issue, and has taken no measure to correct it and make sure it does not happen again. I still can not wrap my head around them deciding that they would close my account before the check cleared. If {$10000.00} is too much for a mobile deposit, perhaps they ought to change the advertised limits. Again, this was a check from my parents and we have the same unusual last name. My parents gladly would have come into the bank with me if there were any suspicious of fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
1. I am unable to get my Experian credit report. This has been a persistent problem.

2. My XXXX credit report shows a drop in my credit score of XXXX XXXX even though there has been no negative reporting on my report.

3. My XXXX  account shows no update to my Experian and XXXX credit scores since XXXX XXXX XXXX

4. My XXXX  account shows no update to my XXXX credit score since 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 non-monetary relief
Consumer complaint received 2023-04-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2022 I made 2 purchases through my chase sapphire reserve cards chase dining service at XXXX and XXXX XXXX  in XXXX. I correctly made the reservations through the chase ultimate rewards portal and purchased as I have done before successfully. After not receiving the stated 10x points for the purchases I called chase sapphire customer service and was told i correctly did the process and they would investigate and then not notify me and to check my next statement. 

XXXX the ~ {$40.00} in points ( value at redemption ) still did not post so I called back and they again said I did the process correctly and that an explanation letter had been sent out and that they can not view the reason why it was denied so they restarted the investigation. 

I now received a letter from chase stating that both transactions were not done in the portal at all and that no points can be given and there is no appeal process. I did use the system properly and had my process confirmed with 2 different chase reps via the phone customer service line. I now have to file a complaint as a last ditch effort to have chase bank adhere to their own policy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
Company: CITIBANK, N.A.
State: TX
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:
On XX/XX/2023 - I applied for a Cit Advantage Platinum Select Card after receiving an advertisement while checking out of an American Airline purchase. The advertisement specifically mentioned that I could use the card to " Pay Today '' and received a " {$200.00} '' statement credit and receive XXXX bonus miles. 

After following the advertisement, it was clear the bonus miles were dependent on a {$2000.00} in purchases during the first few months- which this ticket should qualify towards and I submitted the application and received approval. 

However, despite contacting Citi several times using there web-chat, phone, and escalating to a manger ; Citi representatives indicated there was no way to get temporary card numbers needed to " Pay Today '' and that I would have to wait for the physical card to be received 7-10 days later.

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 2023-03-16
Company: Bread Financial Holdings, Inc.
State: NJ
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 this creditor, has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an openend consumer credit plan as late for any purpose. 

Please remove any latte payments from my credit report for the following : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Exeter Finance Corp.
State: NJ
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 this creditor, has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an openend consumer credit plan as late for any purpose. 

Please remove any latte payments from my credit report for the following : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: TX
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:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XXXX. I am unable to get my XXXX credit report. This has been a persistent problem. 
XXXX. My Equifax credit report shows a drop in my credit score of XXXX points even though there has been no negative reporting on my report. 
XXXX. My XXXX account shows no update to my XXXX and XXXX credit scores since XX/XX/XXXX. 
XXXX. My XXXX account shows no update to my Equifax credit score since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: SECURITY FINANCE CORP
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I have had a payday loan with Security Finance for last year NEVER LATE NEVER missed a payment, due 3rd each month. I have social security solo income. I had a large household unexpected issue come up before first I called Security Finance, told them unable to make payment this month get with them XXXX. They have called 3 times since asking if could get payment ( {$100.00} ) and almost demanding, saying company policy I drive in to discuss. I told them I notified and have 4 times now and nothing changes for me to " go in discuss!! Nothing different if I go in!! They are bullying and it is no way to do legitimate business!! They should NOT have right to BULLY people!! 

They are absolutely hateful!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: CA
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/22 I sent a dispute letter to EQUIFAX via certified mail and return receipt notifying them that there was a fraudulent account reporting on my credit report and they were to remove it immediately as it was causing me and my reputation severe harm. This account is XXXX XXXX ending in XXXX.EQUIFAX did not comply. I then filed and sent EQUIFAX an FTC Identity Theft Report on this account and attached a copy of my ID, a copy of my social security card and a copy of a bill showing my address. Pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act, EQUIFAX had 4 business days to remove the fraudulent account from my consumer credit report. They complied this time. It was then REINSERTED and stated that EQUIFAX " verified the account was accurate ''. I then sent EQUIFAX a SECOND FTC Identity Theft report and aforementioned accompanying documents. EQUIFAX continues to report the fraudulent XXXX XXXX account ending in XXXX. In order for EQUIFAX to " verify an account is accurate '', they are to- BY LAW- send me an Affidavit of Verification signed and sworn under oath that the account is in fact accurate. They failed to do so. I have lawfully done everything I needed to exercise my federally protected consumer rights and EQUIFAX continues to violate my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TrueAccord Corp.
State: MD
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:
XXXX XXXX sold my information to TruAccord without written consent. This is in attempt to collect a debt that is reporting in various companies on 3 different reports. However, the policy reads as follows. 

We collect personal information to provide our services. We do not sell personal information. If you are a business contact, most of the information we have was provided to us by you or your organization and/or collected directly through the use of our website. If you are a consumer in collection, most of the information we have is provided to us by the current creditor and/or collected directly through the use of our services, emails, web applications, and phone calls. If you are an applicant or employee, most of the information we have was provided to us by you through the application or employment process. For more details on how we use, share, and delete personal information see our Privacy Policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX XXXX 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 2023-03-16
Company: Upgrade, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I had a fraud charge made XX/XX/XXXX {$7300.00} appear on my account and I found my card was lost/stolen. I contacted Upgrade XX/XX/XXXX to report the transaction as fraud and my card missing and was told the investigations team would follow up. Upgrade misfiled my dispute and I didn't receive any contact until I called back in on XX/XX/XXXX. They then began my dispute process and only requested a written statement of what occurred via email on XX/XX/XXXX, which I replied to same day. I then received an email requesting I file a police report on XX/XX/XXXX. I replied XX/XX/XXXX with a copy of the filed police report. I was notified of the dispute being denied XX/XX/XXXX via email for the reasons : No aggressive decline attempts present. 
Account activity does not align with usual fraud patterns. Police report does not support the dispute. I replied the same day to get more details which was not provided. I contacted upgrade XX/XX/XXXX to appeal the decision as i had provided all details when requested and cooperated with investigation. I was given a callback which I responded to on XX/XX/XXXX and I was told they can not reopen the investigation. Being that I first notified them via phone call XX/XX/XXXX they have placed the charge back on my account outside of the 90 day timeframe of regulation z.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
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:
My long running autopay series was cancelled which lead to a late fee ( presumably interest charges ) accruing on my account even though this autopay series has been running for years. 

My Unlimited Cash Rewards card had an autopay series that was set up when it was originally a Merrill product. In early XXXX of this year I did a product change to the new Unlimited Cash product and my autopay payment series continued to run in XXXX and XXXX successfully. On my due date ( XX/XX/XXXX ) no payment was applied, triggering the late fee etc. 
The only thing that I can imagine might be related is that I set up autopay for a separate account ( Customized Cash ) on or about XX/XX/XXXX but I don't understand how that would cancel my autopay on my Unlimited Cash ( formerly Merrill+ ) card. 

I talked with someone on chat who couldn't look up my autopay information. When I asked to be escalated to someone who could help they gave a phone number that dumped me into someone in banking who couldn't access my credit card account. When I asked for a warm handoff to a credit card agent they connected me somehow but then I got disconnected ( no call back ) from that agent partway through the discussion with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-19
Company: Experian Information Solutions 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. 

XXXXXXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : 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 an 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. 

These end accuracies are stopping me from the ability to buy new appliances for my home or make any major repairs needed. In addition, I was about to get hired for a new job but i was denied because of my credit issue.

Company response to consumer: In progress
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX, Account # XXXX, XXXX XXXX A has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Experian Information Solutions Inc.
State: NY
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:
-15 U.S.C 1681 section 602A. states i have the right to privacy.

-15 U, S, C 1681 section 604A. it also states a consumer reporting agency can not furnish a account without my written instructions -15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, 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:
Dear Sir or Madam : I AM A VICTIM OF ID THEFT, THOSE LISTED ACCOUNTS AREN'T MINE. Please block those information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear Sir or Madam : I AM A VICTIM OF ID THEFT, THOSE LISTED ACCOUNTS AREN'T MINE. Please block those information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. Sincerely, 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 non-monetary relief
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation