BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-25
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA
Product: Debt collection
Sub-product: Rental debt
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
Received a letter early XXXX and phone calls on XX/XX/XXXX. Requested on the phone that day to send an itemized bill, I never received it. Went online and sent in a contact request asking for an itemized bill about a week ago, I still never received it. Got a robot phone call on XX/XX/XXXX asking me to pay the bill, didnt get to speak to a person to ask for the itemized bill. Also sent in another contact request asking for the itemized bill on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX  XXXX Balance {$0.00} ; XXXX CARD XXXX Balance {$5500.00} ; XXXX XXXX XXXX ( Original creditor : AT T ) XXXX Balance {$320.00} ; XXXX XXXX XXXX ( Original creditor : XXXX BANK XXXX XXXX Balance {$6500.00} ; XXXX XXXX XXXX ( Original creditor : XXXX BANK ) XXXX Balance {$2500.00} ; XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX ) XXXX Balance {$1000.00} ; XXXX  XXXX Balance {$12000.00} ; XXXX CO XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX on XX/XX/2022 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I do not know where they got my # from but told 2 agents in separate ocassions tha the person they looking for is not me and i have No Business with ERC block the # and they called from a different # is very annoying and disrespectful, i did Not cosign for anyone Im Not The Person they looking for ...

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I believe Fifth Third Bank if overcharging me I can never get a straight answer from them. 
They charge me charges on top of charges They promise I am current, Then the next moth send me bills with fees and other charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Huntington bank closed my account on XX/XX/XXXX shortly after I complained about illegal overdraft fees. 
When I asked why my account was closed Huntington Banks response was this : " Huntingtons system monitors accounts in a negative status and the system will automatically close accounts that remain in a negative status for a period of time as your account remained in a negative status your checking account ending in XXXX was systematically closed on XX/XX/XXXX and - {$23.00} was owed to Huntington. 

Huntington gave a partial answer ..for a period of time now everyone knows computers can not think on their own ( at least not yet ) Huntingtons system in programmed to close accounts after a specific amount of time, I want to know how long that period is. Consumer have a right to know and I believe that information MUST be transparent. 

Therefore, my only question is this : 1. How long must an Huntington Bank account be overdrawn for it to be systematically closed? 

I will not stop until I get a response to that question. I believe Huntington bank does no provide this information to consumers in any contract disclosures when it is information consumers have a legal right to know.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: OK
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 received an email from XXXX XXXX stating I had a hard inquiry on my credit. I had not applied for anything so I knew it was fraud. Someone used my name, address and drivers license number to apply for a XXXX Bank XXXX XXXX credit card, which I learned this information after I contacted the company and reported the fraud. I also took further actions, one being reporting to Equifax that this was not my application or inquiry. They have already researched and closed the case but have not removed this hard inquiry from my credit report. I am a victim of fraud and want this removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
XX/XX/2019 Started application for HELOC for my primary resident with Bank of America representative XXXX XXXX. Submitted usual documents to XXXX XXXX XXXX my liason with Merrill Lynch, who also added Bank of America representative XXXX XXXX XXXX to the beginning of the process for loan application.- Pay, W2, Tax info, Already had an established HELOC with XXXX & XXXX . Purpose of application was to move all accounts to Bank of America for convenience. Acknowledged by email that documents were received, in order and I also had my credit reports with XXXX, XXXX and XXXX unlocked for their process. 
Received email notification from My Home Owner Insurance XXXX XXXXthat they had been asked by Bank of America to remove XXXX XXXX XXXX as the mortgagee ( currently holding my existing HELOC ) to make the mortgagee to Bank of America. I immediately emailed XXXX XXXX what was going on and his reply was they were being " proactive '' while they were still reviewing my application. I told him that was not legal, called my insurance company to change it back to XXXX XXXX XXXX with instructions that all future changes must be reviewed by me. No response to my protest via email and no action to reverse this by Bank of America. I had to take the initiative to change it back. Also notified XXXX XXXX XXXX what was happening and they agreed it was improper. I have PDF copies of what Bank of America did, copies of emails to show this action and time line. 
I sent email back to XXXX XXXX, copying all parties that I was officially withdrawing my application. That this was shady practice and per banking and mortgage and insurance laws, what they did was illegal.

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 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XX/XX/2022

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 2022-06-16
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:
On XX/XX/2022, I sent unauthorized dispute letters to credit bureaus XXXX and Experian. On XX/XX/2022, XXXX personally sent a response letter via postal mail stating that based on my request, they aren't going to proceed with my request to remove those unauthorized inquiries ( see attached file ). Experian has yet to respond. At this point that I've been battling for several months to get these inquiries removed, my professional and personal life has been put on hold. I get constantly denied for credit profile-dependent opportunities that affects both life aspects. I personally feel that I'm being taken advantage of and being ignored of my disputes battle. According to FCRA and U.S.C. 1681 ( a ) ( 1 ) ( a ), when an inquiry to remove negative items on said consumer 's credit report, LEGALLY those items need to be removed. At this point, I demand for the removal of those inquiries in question ( see attached updated inquiry removal letters ) or I will file litigation with all parties involved, INCLUDING the CFPB. In addition to my thorough concern, a copy of this letter is also being sent and published to the Attorney General and their website, as well as the XXXX and several social media outlets.

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 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 5th Complaint that I was the victim of identity theft. I called TransUnion and XXXX after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Names : XXXX 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 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 on my credit report which are UNKNOWN to me. This is disappointing because I have been paying Identity IQ to get a report every month and I have been disputing fraud accounts on my credit report all this time. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2020-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
On XX/XX/2020, I attempted a Cash Withdrawal from an ATM Machine and it DID NOT dispense my Funds. I then used the 2nd ATM at same location and got my money. The {$200.00} that was not dispensed was deducted from my Debit Card. I called the Owner of the ATM machine to file a complaint. I was told I had to Call the Card Issuer to file a complaint and I did so on XX/XX/2020. The Card Issuer failed to submit an EFT dispute to the Terminal Owners and on XX/XX/2020 sent a letter to me stating the claim had been closed due to suspicious activity. I called the Issuer Fraud Dept and was told the Claim was closed in Error and it would be reopened. That was XX/XX/2020. The Claims Dept keeps you on hold for 2-3 hours at a time and I have called numerous times and get a run around. I have checked with the ATM owners and they still have no request from Card Issuer to audit the Terminal.

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 2023-01-22
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Back in XXXX XXXX of 2022 I opened a credit Builder loan through XXXX XXXX XXXX XXXX. I opened the loan with an initial {$650.00} that was immediately taken out of my account I made my first payment of {$22.00} and they refunded me {$100.00}. The agreement was for every payment I made {$100.00} would be released. I defaulted on the loan but because it was prepaid there is a {$400.00} credit Reserve my account States the {$400.00} was put back into my bank account and on the financial page it reads zero payments were made of {$510.00} make a payment now however, they also submitted the loan to collection agencies and our demanding payment of {$110.00} stating the {$400.00} Reserve paid off the rest of the loan. When this loan was reported to the Credit Agencies my credit score was at XXXX within a month it dropped XXXX points. I have went round and round to no avail I also woke up one morning last month with a {$10000.00} balance in my XXXX XXXX  account also known as my spending account {$50.00} on my credit account {$20.00} on my insta cash account and 10 on my investment and XXXX accounts I wasn't able to access the funds that day I figured they were processing however the following morning when I attempted to use some of the funds they were gone vanish. I called customer service and she said it must have been a glitch this makes me nervous because I had been waiting on some direct deposits and have yet to see any of them. It also appears they have an investment account a crypto account and a round off account that I am unable to access. I know there is money there because I have not made a deposit or an expenditure more than a XXXX XXXX in 3 months and the account would not remain open if that were not the case. I hope that you can help me in this matter I'll be looking forward to your email and I will be looking forward to cooperating fully. I have screenshots and photos of proof if and when you need 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 2021-04-13
Company: NAVY FEDERAL CREDIT UNION
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Today is XX/XX/2021, I went to the bank to deposit the money left on my stimulus XXXX  card, I waited in the drive through line, when I got to the teller she told me they can't do that at the window and go inside. Once waiting in the line just to go into the building a gal comes to me to ask me what I was doing today at the bank, I told her and she informs me that I need to forms of Id, I tell her I have a drivers license and ss card, she tells me it won't work and they will take vehicle registration, I have to go get it them wait back in line with more people in front of me. This is ridiculous, worse than XXXX as far as customer service. More people are in the line now, now I wait and wait and wait, get the picture, I'm XXXX now!!! I get up to the counter which has plastic protecting the teller and all are in masks but there is a rope up that you have to run into to put your paper work on the counter, ridiculous, I get up to the counter and they tell me I need to call and get the balance myself, now I'm very angry and they tell me I can't use their phone and they can't call, I have to get out of line go get my phone and get back in line again!!!!!!!!! I asked to speak to the manager, no-one ever came, when I asked for a regional manager phone number they would not give it to me I asked 5-6 times before I got it, I have driven to my office looked up this email and I am still on hold to take to someone on their reg call line so I'm sure this is not a phone number for any manager and they tell me to ask for XXXX XXXX who I'm sure has no managerial experience at all. what a joke. They are worse than XXXX and as bad a XXXX XXXX XXXX!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: Cascade Capital, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX I settled a medical debt with XXXX XXXX for service that was rendered XX/XX/XXXX. 

Today, I spoke to XXXX XXXX from XXXX XXXX who told me I owed another bill from the same creditor but with a different amount and account number. This is the first time I've heard about this new account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: EQUIFAX, INC.
State: OK
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:
There is a bankruptcy XXXX  XXXX being reported on my reports, and it is incorrectly reported, and the refuse to remove the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I received notice that you verified certain items on my credit report from the following XXXX # XXXX. You reported me being late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have never been late. Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a UDF form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. Supply your response or report status as PAID, NEVER LATE for the trade-line. 

Best Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
There are multiple Accounts on my report I do not recognize

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