BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-28
Company: HUNTINGTON NATIONAL BANK, THE
State: CT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On approximately XX/XX/XXXX, I closed on a XXXX  with Huntington Bank for $ XXXX. At closing, I was required to take $ XXXX of the line, despite the fact that I did not need the money at that time. I deposited the money into my bank and wrote a check to Huntington on XX/XX/XXXX for {$40000.00}. The additional {$62.00} was to cover the accrued interest until Huntington received the funds and was overpaid by {$8.00}. At this point, I have repaid the outstanding amount and overpaid the accrued interest by {$8.00}, which was credited to my account. The XXXX also has a {$60.00} annual fee, which when netted against my credit, should have left me with a balance of {$51.00}. However, I am now told by the bank that I owe {$150.00} because the interest is calculated on the average balance over the billing cycle. So over the 30 day period, my average balance was $ XXXX despite the fact I only had the $ XXXX in my possession for 8 days. I am being charged interest as if I had borrowed $ XXXX over 30 days. How can I be charged interest on money I have not borrowed and don't have in my possession? I have contacted the bank at least 7 times to try and resolve this matter. I was told on most of those occasions that the bank would look into the matter and get back to me. They never did. Now I am being told they will contact the credit rating companies if I don't make a payment ASAP, despite the fact that the bank has not done any of the things they said they would. I am happy to pay the {$51.00} fee for the account. I have already paid the daily interest on the money in my possession for 8 days. This sounds very much like a way for the bank to continue to charge me interest and hide the true balance in the event I wish to pay it off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-16
Company: Experian Information Solutions Inc.
State: TX
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: Other problem getting your report or credit score

Complaint:
When we moved to Texas, 6 months ago, I had a credit score of XXXX. Shortly after arriving in Texas, my credit score dropped 145 points and I have no idea why. I tried to contact each of the credit bureaus but was told that they could not identify who I was. I tried several times and was always told that I was not who I was saying I was. Last week, I receive a notice from XXXX XXXX that a new account had been opened in my name and social security number but dont have a clue who or why because I cant get a credit report. Because of these credit agencies I can not qualify for anything. I dont know what my credit score is or who has access to my credit because I am constantly denied access to my credit report. 

I just tried, once again to get my credit report from XXXX, and the automated computer took my social security number, my date of birth, the numeric only portion of my address, then without any further information ( STREET, CITY OR STATE ) explained that my credit report would be sent out in 4 to 5 working days. 
SENT OUT TO WHERE? TO WHOM are they sending my social security number and birth date now? 

SOMETHING TERRIBLE IS WRONG WITH MY CREDIT REPORT. SOMEONE, PROBABLY LOTS OF PEOPLE, HAVE ACCESS TO MY INFORMATION AND ARE KILLING MY CREDIT AND I CANT GET A REPORT FROM ANY OF THE CREDIT REPORTING AGENCIES to do anything about it. 

I cant talk to any of them. I cant get any reports. I cant look at my credit report on-line. I have no idea what to do. When I saw my credit score drop 145 points, I tried desperately to contact these people for 8 weeks, but all I got was them telling me that I was not who they though I was. I gave up out of frustration. 

I just received notice from XXXX XXXX, that someone has just opened an account, in my name, for something I have no knowledge about and there does not seem to be anything I can do about it because I cant get a credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Nagle & Zaller, PC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I own a home that I bought in XXXX right before the pandemic that has an HOA attached to it. Due to a period of financial hardship at XXXX point in time and lack of understanding of how to pay the HOA along with the mortgage I got behind on the HOA payments. I thought the HOA payments was included in the payment of the mortgage. They are paid separately. By the time I figured it out ( about a year later ) and was ready and able to make the HOA payments, XXXX XXXX XXXX XXXX had already sold the debt to XXXX XXXX XXXX, XXXX located in XXXX, XXXX. XXXX XXXX XXXX sent me a statement in the mail and by email how much I owed to return my account back to good standing. The total amount owed at the time the statement was sent was {$2400.00} on XX/XX/XXXX. Since the beginning of XXXX I have been sending in payments monthly to pay off this debt ranging from $ XXXX {$900.00}, however instead of the debt going down XXXX XXXX XXXX continuously adds predatory fees to which the debt never goes down. Even though I have been paying monthly for the last XXXX years the total debt now owed is {$4100.00} instead of paid off and back in good standing. I have received in the mail their statement that if the debt isn't paid they will try to seize my property even though I have been religiously been paying to get rid of this debt. I have also kept receipts. I have emailed and have been in constant contact with XXXX XXXX who works for XXXX XXXX XXXX to resolve their predatory practices to no avail.

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 2022-12-28
Company: PNC Bank N.A.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was contacted by someone representing that they were thru my energy company and read to me the address where I live stating that my service was going to be terminated due to non declined payment..i had just had my card shut off because last week my account had been charged for a n app service two times and it was a service I have never heard of the amounts are {$550.00}, {$990.00}, {$270.00} I contacted the bank and asked them if these could be stopped they said no since it was done thru XXXX it was considered to be like handing the money straight over

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I purchased resume services from a career coach through the PayPal platform, which I have done before. I paid {$100.00}, which is payment number one of three ; however, the coach, XXXX XXXX did not get the money I transferred. The PayPal call center in the XXXX proved to be no help. I learned that PayPal had taken my money and put it toward some dispute involving XXXX XXXX ; of which, I have nothing to do with. Essentially, PayPal stole {$100.00} from me. I am dumbfounded a financial entity an act would be so brazen and take my money for something other than what it was meant for. XXXX XXXX suggested PayPal has done this with his other clients as well. When did PayPal become a superpower? How does legislation give leniency and allow PayPal to make its own rules compared to a brick-and-mortar bank? If XXXX  XXXX XXXX did this, there would be at least one {$5000.00} fine at the door. I paid for coaching with XXXX XXXX. PayPal should have nothing to do with my purchases other than the platform in providing the transfer; for which, they are paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'M SUBMITTING A COMPLIANT REGARDING MY XXXX  XXXX XXXX XXXX CREDIT CARD ACCOUNT WITH A RECENT 30 DAY LATE REPORTING. I DON'T RECALL BEING LATE AND ACCORDING TO MY RESEARCH DEALING WITH LATE PAYMENTS, BECAUSE OF COVID 19 AND THE HERO 'S ACT, THIS SHOULD NOT HAVE BEEN REPORTED.

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 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'M SUBMITTING A COMPLIANT REGARDING MY XXXX  XXXX XXXX XXXX CREDIT CARD ACCOUNT WITH A RECENT 30 DAY LATE REPORTING. I DON'T RECALL BEING LATE AND ACCORDING TO MY RESEARCH DEALING WITH LATE PAYMENTS, BECAUSE OF COVID 19 AND THE HERO 'S ACT, THIS SHOULD NOT HAVE BEEN REPORTED.

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 2021-05-26
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: Account status incorrect

Complaint:
I have an inaccurate collection reporting to Transunion & XXXX The account is titled XXXX  ( Original Creditor : 11 XXXX XXXX XXXX ) Ive sent 3 separate letters requesting them to stop reporting this inaccurate information on my credit. ( which will be attached below ) Ive paid off this collection 2 years ago in full.

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 2023-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
How can a wire go through with an incorrect beneficiary name and address? 
The address used is a Bank of America address- why didn't this throw up red flags?

How was a wire to a Bank of America account rejected to my wife when I misspelled her name, but allowed to go through with a wrong beneficiary name AND address?

How is this criminal client of yours still allowed to operate these accounts? The ones mentioned previously. 
Why do you allow criminal activity within your institution? 
How was this criminal allowed to open a Bank account? 
In America when someone is convicted of a crime, other involved parties are charged as being an accomplice. Why doesn't this apply to banks who allow criminals to operate within their institutions and do nothing to correct the problem. 
Why are you protecting a criminal and refusing to pay me what is rightfully mine? 

Bank of America is protecting a criminal and has a criminal as a client. Their client hacked into my customs brokers email and changed his wiring information so that the money I sent from my XXXX bank would go to them. XX/XX/XXXX I unknowingly wired XXXX to this criminal and XX/XX/XXXX again {$14000.00}. 

I realized this was a mistake immediately after the last wire. A XXXX representative informed me that they would be able to pull the {$14000.00} back before it was fully processed. This was told to me over a recorded line on XX/XX/XXXX. It somehow still processed against what I was told. I filed a fraud claim and Bank of America is denying to give me the funds that were stolen from me. I also know for a fact through a recorded phone call that they were still allowing to let this criminal operate his/her accounts. I have filed police reports against the criminal as well as Bank of America for their lack of cooperation and the fact they have called me twice to tell me " I don't know ''. It was Bank of America that allowed this criminal to operate within their banking institution and it is Bank of America who needs to be held responsible for their lack of vetting their clients. I want to be reimbursed my {$20000.00} fully in a timely manner by Bank of America. If the tables were turned, I would be receiving letter after letter. The questions in the beginning of this statement are questions Bank of America will not answer because they have absolutely no clue because somebody knowingly allowed this criminal to open an account without proper documentation.

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 2021-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i noticed that i was a victim of identity theft and information was used to gain medical services and personal financial gain

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2023 I wrote a debt validation letter to USAA FEDERAL SAVINGS BANK requesting the following - The amount you claim the Respondent owes you, An explanation showing how you have computed the amount, Copies of any documents that prove I agreed to pay the alleged amount, The identity of the original creditor, The original lawful contract. I stated in this letter " Further, any correspondence must be made in the form of a commercial affidavit under penalty of perjury and sent by certified mail. Any other form of service shall be deemed defective upon its face. '' USAA has yet to respond or provide remedy. USAA has ignored my requests, though I filed an FTC Identity theft report and reported this as a fraudulent account, also USAA ( a furnisher of information ) is reporting this to the Consumer reporting agency 's which is causing me distress as I can not operate in commerce freely, this is not my account. USAA has denied providing me with the requested information that I am entitled to per the Fair Debt Collection Practices Act by choosing to not respond [ **NOTE** ] ( FDCPA ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. USAA has now started deducting {$25.00} from a joint checking account I share with my husband every month on the XXXX starting in XX/XX/2023. USAA has completely ignored me in this manner and has started pursuing my personal account and stealing money from it to pay off somebody else 's debt. USAA received the requested information on XX/XX/2023 and has chosen to act and remain in dishonor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXXXXXX XX/XX/XXXX {$2600.00} XXXX XXXX XX/XX/XXXX {$1900.00} XXXX XX/XX/XXXX {$0.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes 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 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 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX homeless XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2021-05-26
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:
Hi, I would like to complain about accounts that I have in my profile, XXXXhe point is that these are not my accounts but they are reported by mistake in my credit report. I kindly ask you to delete them all please.

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 2021-05-26
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
On XX/XX/XXXX I've sent a USPS certified letter to Experian regarding my personal update. Experian has my incorrect address on my credit report. 

30 days had passed, Experian still reporting an inaccurate address on my credit report. 

On XX/XX/XXXX I've sent a 2nd USPS certified letter to Experian regarding my personal profile. I've sent them a copy of my social security card I've sent them proof of my address including my State ID, W2 forum, my residence tenant information, and my bank statement. 30 days passed and they still didn't correct my information. 

I opened a dispute using Experian online services on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Experian refuses to put my correct address, all my accounts on Experian are not reporting as the address listed on my Experian credit file. 


Experian They're potentially violating my rights based on the fair credit reporting act.

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 2022-12-28
Company: EQUIFAX, 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. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # 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 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 response to consumer: Closed with explanation