BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-16
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 small business recieved a check payment from XXXX 's XXXX XXXX. XXXX XXXX issued the XXXX XXXX  check in the amount of {$8000.00} to XXXX XXXX ( previous cleaner 's dba ) when in fact the current dba we use is XXXX XXXX. 

His mistake is quite understandable as he had a long business relationship with XXXX XXXX. He simply failed to make the check out to XXXX XXXX ( our dba ) as shown on his invoice. We changed the dba upon purchasing the dry cleaners for clarity 's sake to avoid confusion exactly like what's happening now. 

For 15 years we have done business banking with XXXX XXXX, We use the respective dba names of our XXXX stores and endorse checks in the CORPORATE NAME. I ( president/owner ) failed to note the word 'Express ' vs 'Cleaners ' on the check payee line and endorsed it as per normal. I submitted the check to our Huntington Bank business checking account using the MOBILE DEPOSIT application for the first time ever. This deposit occurred on XX/XX/22. 

Huntington Bank noted the payee/endorsement discrepancy and rightly put the {$8000.00} check on hold. They required a notarized 'Release of Funds ' form and explanation of circumstances, which we provided. The declined to release the funds Huntington Holds next said the original maker ( XXXX XXXX  and XXXX XXXX ) would need to request a return of funds. They ( XXXX and XXXX ) have done so, but Huntington still refuses to release the funds. 

Finally on the XXXX day ( XX/XX/22 ) of this saga I spent XXXX hrs alternately on hold and speaking to yet another indifferent person in what they call Customer Service. Each said basically " Can not help you. Not my department. Holds says to go to the local branch manager. Click. Goodbye ' The area supervisor ( former branch manager ) addressed the situation with current branch manager and they too were told that XXXX and XXXX XXXX need to request the funds release. So, I called XXXX again to reconfirm he had made the request. He had. 

I contacted Huntington Customer Support via XXXX direct message. They were quite responsive but were also stiff-armed by Huntington Holds Department with the same story : " Talk to branch manager '' and/or " Have XXXX request release ''. 

Government regulatory action is my last recourse. I have exhausted all avenues- and became exhausted in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
( AR RESOURCES INC ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) has been sending me collection notices in the amount of ( {$320.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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 been writing these companies since XXXX. I do not understand why they have not removed these accounts because they are not mine and are because of my suffering from identity theft. I have written too many times to count and my last letter to each was just last month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Experian Information Solutions Inc.
State: NY
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: WELLS FARGO & COMPANY
State: GA
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 XXXX, XXXX and XXXX failed to produce an investigated report for WF/XXXX  account reported on my consumer report. 
They have failed to provide me with the required tax form documents that are required by the Internal Revenue Service including 1099OID and the 1099C. I will include the FTC report for identity theft against the use of my taxpayer identification number, also known as, the social security number. WF/XXXX  has also communicated my personal information without my authorization to these consumer reporting agencies without my consent include the social security number which is private and confidential. The said debt was not validated by me, the consumer so it should not be on my consumer report. 
The original creditor is Wells Fargo and the status of this account is in Charge Off which they are also acting as a debt collector under a different name so they are using a 3rd party as a debt collector. 
As of XX/XX/XXXX, I have not received an investigate report as they have 30 days to do so.

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 2017-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
During XXXX of 2016, my phone, and wallet were stolen at a downtown nightclub. Shortly after I was charged with outstanding overdraft fees, due to fraud activity. I notified the bank ( bank of America ) about the issue and filed a complaint. After a slight investigation, the bank came to the conclusion that it was indeed fraud and I was possibly at fault. The only fault I had was checking my account on another friends mobile app. The bank was uncooperative with any further assistance and then proceeded to close my account. The outstanding charges were up to {$560.00} dollars. Please get this problem eradicated, I 'm in desperate need of a checking and savings account. Please and 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 2022-12-16
Company: EQUIFAX, INC.
State: KY
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:
This is my fifth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to fraud. Under the FCRA section 605b, I am requesting of you to remove the following accounts off my Credit File : XXXX XXXX  XXXX Balance : {$980.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$900.00}. If you believe that the disputed accounts belong under my name, you should have send me results of your investigation to support your claims. In the absence of such documents you should have removed the disputed accounts off my Credit File.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Northstar Location Services, LLC
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
NorthStar Location on behalf of XXXX XXXX is needing us to speak to the company about form 4205 and making arrangements to have final debt resolved. 

Need Form 4205 sent to XXXX XXXX XXXX, XXXX, XXXX XXXX MO, XXXX Have been having issue with getting the product we were supposed to have paid for in 2017 with car dealer and their financial partners. I was promised fair financing and a vehicle that wouldnt put myself and others in danger. I received a letter stating the vehicle was recalled due to class action and that I would need to submit a claim and await a decision. I had no control over the defectiveness of the vehicle nor the financial partner tying us to the defective vehicle beyond the loan paperwork. I had called in to the financial partner who is the lien holder in the situation and advised about the recall and need to workout a payment arrangement and they were originally not willing to help us in the situation unless I made payments on the vehicle which our contract was voided when the manufacturer voided the warranty and was forced to repay for the damages on the claim. Currently the only thing stopping the manufacturer from paying is me having the vehicle registered in my name, which I can not do because the paperwork sent to the financial partner was sent to the XXXX in XXXX XXXX and not to me to proceed forward with getting the vehicle registered. Previous attempts to have the buyback request completed and them paid or previous attempts to workout payment arrangements has been consistently a headache. I spoke with NorthStar Location who was thankfully able to work with Client Relations to have them forward the signed document I faxed from our local XXXX XXXX XXXX, but I only need it signed and returned, not forwarded or bounced or assumed just sent back to me, so I can complete the next step in getting them paid and it seems they and sometimes when I call North Star Location to resolve the matter they, particularly XXXX XXXX XXXX, has stated that the matter needs to be handled between XXXX and myself ( when XXXX sends me to them and via a verse ). Ive been asked why the manufacturer hasnt paid sooner and various other things that are beyond my control or really function or office and ministry, but what I can say is that it would be such a blessing if they would hear the circumstance and not try to make additional emotional damages when I call with a plan to resolve the matter, but treat me like someone trying to resolve an issue that I tried to previously fix when circumstances were beyond my immediate control.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: BARCLAYS BANK DELAWARE
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:
Barclay 's XXXX XXXX had excellent points/rewards. I had saved my points fo over 3 years amounting to over {$500.00} dollars in points/rewards. They changed the card to Barclay 's XXXX and my points are gone. I have called multiple times and I am told they will come back but it has been 4 months and I keep receiving the same response. This is a clear violation of terms and conditions and they seem to have complete disregard.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: EQUIFAX, INC.
State: CA
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:
Hello - My credit score was above XXXX and for the last two months, I see a decrease of 10 point average. I have informed XXXX XXXX XXXX about this issue then they stated that they are not reporting my credit. 
My bills are all paid in full at the end of each month. All credit agencies are reporting similar.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have medical bills in my name in places I never stayed around times where I lost my wallet and didnt know how serious it was to keep up with your id

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 2019-08-01
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have been banking with Citibank since XXXX. In this last week I have been charged {$64.00} in overdraft fee. I have called the bank because my account has never gone in the negatives. I have checked my account at XXXX XXXX and at XXXX XXXX when I wake up and I have not seen any negatives. I have made transfers between my accounts because I know there are some payments that will be coming through that day. Then the next day I see I have an overdraft fee. This happened twice the second time I called and spoke to an agent who assured me that I would not be charged anymore over draft fees. I made another transfer to bring my account to positive and the next day Im in the negatives because of another draft fee. According to the manager the agents do not have access to see the transactions been posted that day if they did. I would have been told how much money I needed to transfer that day. I was short {$9.00} and ended up paying {$64.00} because of it.

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 2022-02-16
Company: PENTAGON FEDERAL CREDIT UNION
State: RI
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:
My mortgage recently transferred providers, during this transfer my credit was pulled without my consent and has since dropped my credit score dramatically. PENTAGON FCU Ran my credit without my consent or knowledge, I am not sure who this company even is. Since then, my mortgage has not been reported on my credit report and currently has that I do not have an open mortgage account, which is incorrect. I have had a mortgage since 2019 and have transferred providers before with no issue, and no credit was pulled then. My credit score has dropped dramatically, dropping 34 points, from XXXX to a XXXX. Very frustrated and concerned with the fact that this company got all of my information and then ran my credit without my consent.

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 2017-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
The following hard inquiries on my credit report were not authorized by me. I have contacted the companies and XXXX several times via telephone and/or by mail requesting proof of my signature based on the FCRA only to receive a canned response and no proof of my signature. 

XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX,XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX , XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX  XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX , XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX 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 explanation
Consumer complaint received 2017-07-11
Company: EQUIFAX, INC.
State: WA
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 retrieve my free annual credit report from Equifax. Looking over the report I identified some inaccurate personal information. Specifically there is a name specified in the " Formerly known as '' field that is completely foreign to me, as I have never used it, or known anyone with the specified name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I lost my wallet while out on the town on XX/XX/2020. Since then I've noticed things on my credit that wasn't done by me. I have made contact with the companies to have removed but no action was taken. I also disputed them with the credit bureau and still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: Experian Information Solutions Inc.
State: AL
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:
The following hard inquiries on my credit report were not authorized by me. I have contacted the companies and XXXX several times via telephone and/or by mail requesting proof of my signature based on the FCRA only to receive a canned response and no proof of my signature. 

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX Retail Card XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On  XXXX   XXXX , I went to Bank of America to close my deceased mother 's checking account. I gave them her death certificate and letters testamentary showing that I am the executor. They told me they would send it to their estate dept, I would hear from someone withi n 48  hours, and that the process would take 10 days -  2  weeks to complete. After about  2 w eeks I called them as I had not heard from anyone. The  manager  told me that I needed to fill out more paperwork, have it notarized and bring it in. I did all this and she told me that I should receive a check in 10 days  - 2 wee ks. After  2 1/2  weeks I called again to find out why I had n't received anything. After checking with the estate dept., she said that someone finally looked at the account and realized that it was left to the family trust, so we would need to start over again and a ll 5  trustees would need to fill out new forms, notarize them and send them back. SOMEONE FINALLY LOOKED AT THE ACCOUNT  FIVE  WEEKS INTO THE PROCESS!!! This was on  XXXX   XXXX , and the  manager  said she would mail the forms that day. My sister finally received her paperwork postmarked  XXXX   XXXX , over a week later. This has taken almost  two  months and still no resolution. We have been lied to and deliberately delayed.   Bank of America is making this process as difficult as possible, and dragging out the process as long as possible, either willfully or through complete incompetence. I believe they want to keep the money as long as they can.

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 2017-07-11
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On the  XXXX  of  XXXX  this year, we turned in our    2014 Nissan Pathfinder to the dealer we bought as we can no longer can afford the payments. Nissan motor acceptance corporation  is still expecting payments and keeps calling, sending pass due and will not acknowledge that we no longer have the auto and thier dealer does.

Company response to consumer: Closed with explanation