BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be removed as soon as possible. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
Company: TD BANK US HOLDING COMPANY
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: Other problem

Complaint:
I tried to apply for a credit card with TD, it went through but it was saying see SM for 2 weeks straight. I went in to see what was wrong and they said it was just a glitch in the bank with my account. I reapplied but then they said they are closing both accounts and didn't disclose the reasons as to why and they have not made a good faith effort for recompensation due to their negligence. I applied for this card on XX/XX/XXXX and I reported the problems to TD on the XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
In XX/XX/2023, I tried to reopen my account with Chase bank which had been closed, for no reason and for having my documents expired, when I opened the accounts again, the banker who attended me made the calls to the department in charge to verify that I did not have any type of problem, which the agent authorized the reopening of my account, after more than 1 hour of waiting and scheduling Open the account. 

The banker in charge called the department in charge again and it was notified that an opening of my account could not be made, leaving everything that the banker and the sales executive did could not be done, understanding that there is clearly an attack on my person since my rights as a citizen of being able to open an account where I have never had any problem with that institution are not fulfilled and I

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Applied for the Huntington Bank checking account on XX/XX/2020 Approximately {$15000.00} was deposited in line with an account sign up bonus for {$500.00} that required a deposit of at least {$15000.00} A bank account ( acct # XXXX ) was linked to make the inbound deposit A second bank account ( act # XXXX ) belonging to me was linked ( and verified with trial deposits ) to allow for money movement between my main accounts. 
On approximately XX/XX/2020 I initiated an electronic withdraw in the amount of {$15000.00} to my second account ( act # XXXX ) at an external bank. This withdrawal was blocked by Huntington Bank and a hold place on my account. I have follow up several times, about every other business day, with the bank customer service reps to determine how to remove the hold and I offered to provide further documentation if any was required. 
Each time they suggested I step into a branch location. 
Given that I opened the account online, the bank only has branches in Ohio and the ongoing pandemic it didnt make any sense to require me to drive 9 hours across state lines to show up in person. I offered to send documentation or to simply have them close the account and send my money back. 
I escalated to managers to no resolution. 
The bank continues to hold my money ( approx {$15000.00} ) hostage from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: TN
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 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 2019-10-16
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:
Transunion Credit reporting is still showing a derogatory remark account of {$200.00} that was paid on XX/XX/XXXX, on my XXXX XXXX app. XXXX has dropped the account in the same XXXX XXXX report. 
The account which was opened XX/XX/XXXX was for physical therapy I received for a XXXX XXXX injury. XXXX  shouldve paid it, but due to transient management and intransigent staff at XXXX, they didnt pay it. I received a settlement when I filed a grievance over my treatment during the time I had the injury and received a settlement in spring of XXXX from which I paid the bill myself.

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 2023-06-01
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Increase of mortgage amount on : - XX/XX/2022 by {$93.00} - XX/XX/2022 by {$36.00} We have a fixed interest rate mortgage and never agreed to any escrow increases.

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 2023-03-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-30
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:
On XX/XX/XXXX I advised Experian and XXXX that I was a victim of identity theft during Covid 19 and I have lived in XXXX XXXX, XXXX only in XXXX all my life Account Type Collection Department / Agency / Attorney with Balance of {$4200.00} from XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXX  and placed on my on XX/XX/2020, I requested that Experian and XXXX provide with methods used to verify that this account belongs to me which they did not this account is a fraudulent account on my report and should be deleted immediately and not sold to any other collections agency that I do not have a contract with this information is not accurate and they should report accurate information only but I find that most of the time they do not and therefore are not protect the consumer I have worked and lived in XXXX all my life

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 2023-06-01
Company: WELLS FARGO & COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
Please Delete these hard inquiries on my credit report I did not try to open these accounts and it is negatively affecting my credit score thank you for your time and consideration. 

Wells Fargo Bank XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/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 2023-06-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 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 2023-08-14
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
My driver license was stolen and someone from a different state tried to cash a check with my license. It was at a Huntington bank witch I do have. They did not cash the check. But did notify me and adviced me to report it witch I did. And she sent me this web site to add to also.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
Company: NAVY FEDERAL CREDIT UNION
State: FL
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:
On XX/XX/2023 I received a letter from navy federal credit Union Stating that they denied my fruad claim for {$5100.00} Navy federal credit Union provided no explanation. Under the FCRA Upon request The creditor is supposed to provide verifiable documents regarding their decision. 

I have been notified from XXXX and the credit bureau XXXX That my personal information has been located on the dark Web. 

Navy federal credit Union is fully aware that I am a previous victim of identity theft and my account was Previously compromised Which is the reason why I have a code word to access my account via phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: 21ST MORTGAGE CORP.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I missed a payment on XX/XX/XXXX. XXXX XXXX mortgage called me on the XXXX or the XXXX to ask when I can make the payment. I stated a couple of weeks, 2 weeks, 14 days when they asked for an exact date I told them I was unable to give them that as I am XXXX  and XXXX  and unfortunately my brain does not know time ; minutes, hours, days, months. XXXX XXXX persisted to gaslight me and ask me where I was going to get the money to pay them which I thought was very inappropriate. After repeating myself three times I hung up because he was clearly going to try to bully me into giving him exactly what he wanted instead of him doing any work on his end to try to help me. He persisted to email me everyday to call him and he also called me persistently from the day after he called up till now XX/XX/XXXX. I had called their customer service I made a formal complaint against XXXX I told the person on the customer service line the entire story. I have emailed them for arbitration disclosures which they say they do not have. I would like to take them to arbitration for the harassment. They also said in the email they are no longer going to be contacting me about receiving a payment on my mortgage and to recontact customer service if I have any other issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no affiliation with these creditors and I did not make this inquiry.

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 2018-09-15
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted by XXXX XXXX XXXX on behalf of XXXX XXXX XXXX funds to collect a debt of XXXX, XXXX XXXX dollars, and then a few weeks later after I was attempting to cooperate by sending in check stubs to sign up for rehabiliation program. XXXX and XXXX XXXX  send me a letter and indication by phone that I owed XXXX XXXX dollars. I began to question this debt altogehter because I was told that XXXX was required to purchase for XXXX. At this point, I verbally disputed this debt because I do not owe XXXX XXXX dollars. The representative from XXXX told me that they was attempting to collect on XXXX XXXX. I was not familiar with this company at all, and therefore, I stated again that I did not agree with the debt. I sent a certified letter to dispute the debt to XXXX and on behalf of XXXX XXXX. On XX/XX/2018, I received a letter from XXXX XXXX indicating that they reported a debt of XXXX, XXXX XXXX to Experian XXXX XXXX. XXXX XXXX  did not report with notification the the debt was being disputed. Neither company has completed the requested validity of the debt within the 30 day timeframe from first request, so this is a direct violation of the Federal Fair Debt Collection Practices Act. This is harassment and misleading in every way. In addition, XXXX XXXX XXXX XXXX XXXX contacted me XX/XX/2018 threaten to contact my employer for wage garnishment. I did not know who this company was until I searched that XXXX XXXX  had transferred their XXXX XXXX XXXX to XXXX XXXX. XXXX XXXX failed to disclose their affilation with XXXX XXXX to collect a debt through threats to contact my employer for garnishment of wages. This is deceptive and unfair in nature, another violation. Consumers are expected to follow the procedural routes, and these companies should be held to the same standard. As a result of there tactics, it has caused me a lot of distress and unrest. I just want fairness in the matter. How can XXXX and XXXX XXXX   state that I owe XXXX XXXX and later owe XXXX due to fees, but report to the credit agency a debt of XXXX XXXX, because I did not sign up for the rehabilitation program. XXXX and XXXX XXXX have not completed the validity of debt as requested by ceritified letter dated XX/XX/2018. Please assist with this debacle and bring some kind of fairness to the matter. Thank you ....

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 2019-10-17
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
The company closed my account by reprisal of opening a case into the consumer financial protection bureau. The bank dont sent me the bank statement of the account that is required by law. They only write some of my transactions on their response to the case. I need a professional bank statement required by law. If I dont receive the bank statement, CFPB must apply a fine to the bank for not comply the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX and a recovery agent from XXXX New York XXXX XXXX XXXX XXXX have called my daughters telephone asking questions about me. They have also peppered my girlfriend with questions. Both are illegal. They called my girlfriend this morning. Shes not in default or collections. They have no reason to contact either of 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 explanation
Consumer complaint received 2019-04-01
Company: National Credit Adjusters, LLC
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:
I was contacted by National credit adjusters on XX/XX/2019 for two delinquent account on my credit report ( XXXX XXXX  ) in the amounts of {$180.00} & {$130.00}. We agreed and they have me on their recorded line that I would pay an amount of {$240.00} to not only have my accounts paid in full but also they would contact the credit bureaus to remove the delinquent accounts. These paid in full accounts are still appearing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: PNC Bank N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
an ex co-worker allowed me to use his XXXX prime account to help me buy a gift for my kids last year..around XXXX XXXX, when we were working together, in XXXX, Michigan XXXX At the time i lived in XXXX, ohio, and he resides in XXXX, michigan. i purchased the item on his account to be delivered to his house free shipping. his account was free shipping, mine was not. he got the item, and brought it to me at work when it arrived. since then, he quit the company in XXXX or XXXX, XXXX. I left the company in XXXX XXXX, and moved to the XXXX, Florida area, XXXX XXXX, and live in a town called XXXX. in XXXX i was on work assignment in XXXX XXXX, stopped in on XXXX to the bank, PNC BANK, to check balance on my credit card and pay it. This is when i found out that there was many purchases to XXXX marketplace, which i did not do, nor authorize. I met with banker, they cancelled card, ending in ... XXXX, issued me a new one, and i filed a dispute. After i left the bank i called XXXX XXXX XXXX XXXX, and asked for them to look me and my credit card number up, which they did. I asked them to run a report comparing my card charges to any shipping address which was NOT mine. I live in XXXX, Florida. I have a billing and shipping address in XXXX, Florida. The Customer service lady, named XXXX, emailed me and XXXX ( the unauthorized user ) a copy of each purchase which was shipped to his address in XXXX, Michigan. including each order number and description of items, dates, and costs. Each which matched my credit card statement. This activity began XXXX XXXX and ran through XXXX XXXX. There are XXXX seperate orders, each with multiple items. 
Since then PNC BANK, XXXX XXXX, on XXXX XXXX, sent me a letter stating they " have determined '' that i had authorized the use of my card. And i am responsible for the charges on my account. 
This is incorrect. Never did i allow him to use my credit card for any purchase. Nor did i know he would have saved my card number, and use it at a later date. I called PNC XXXX XXXX week of XXXX XXXX, XXXX times, and asked how they came up with this determination, and they said i would have to speak with XXXX, who was suposedly off until Monday. Asked for her to call me back, and it has been over a week and she has not called me. 
The total purchases ( as known to this day ) is {$9100.00} .... 
XXXX bank contact was XXXX XXXX, at PNC, XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX, phone number XXXX. 
I spoke with PNC fraud/dispute team on that same day from XXXX office. business date XXXX XXXX, XXXX. I have a contact name of XXXX, at XXXX for dispute team.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I reserved a rental car through 'XXXX  '' on XX/XX/20 for the amount of {$1100.00}. They asked for my flight itinerary, I spoke with a representative, and they assured me someone would be there when my flight landed at midnight. When I landed they were closed for the day and I was not able to get my rental car. I immediately disputed the transaction, and since I was on vacation I was unable to talk to XXXX  during the remainder of the trip. 

Capital One approved the dispute only later to recharge me. The only reason I got for not having my charge refunded was the inability to provide a receipt of the transaction. What Capital One is failing to realize is I never received the receipt nor vehicle because the company failed to provide the service I paid for. I have talked to multiple people from Capital One, all of which have been of no help. After explaining the situation the first time to the first representative he told me he doesnt see how capital one would not accept my dispute. But months later Capital One declined my request and charged me the money for a rental car I never received.

Company response to consumer: Closed with monetary relief