BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-16
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
Due to inaccurate reporting of available funds by Huntington Bank I incurred an initial overdraft fee on a purchase of gasoline in the amount of {$57.00}. With my account now in the negative there were 2 more transactions processed by the bank in the amounts of {$12.00} ( XXXX ), {$5.00} ( XXXX XXXX ) and {$9.00} ( XXXX ). The overdraft fees associated with these transactions amounted to a total of {$150.00}. Now at an even larger negative balance on my account. The bank authorized wrongful charge from XXXX cable. Historically I always pay my XXXX bill with another account. The charge was processed to this account in XXXX error. To which they admitted fault. Upon learning of this I contacted XXXX and visited a local Huntington branch and spoke to reps about how to go about resolving this. I was told by both of them to file a wrongful charge claim. I did so on XX/XX/2019. I was told not to transfer any funds to offset anything while the bank was investigating the wrongful charge because the banking institution would be less inclined to refund the funds. That same day I called Huntingtons customer service to confirm that what the branch representative was telling were true and was told that it was. As a precaution, I paid XXXX again. Just in case the investigation had a negative impact on my billing. Upon finishing their investigation Huntington decided in the favor of XXXX. Although there should be a recording from my conversation with a rep where they're admitting fault. Folllwing the instructions of multiple bank reps I did not transfer any funds to offset the negative account and this resulted in the bank adding additional overdraft fees. Huntingtons determination resulted in even more overdraft fees. After everything had processed I had 11 overdraft fees totalling {$360.00} resulting from 4 transactions ; 3 of  which being less than {$13.00}. To offset the full negative balance of {$470.00}. Funds were transferred from another account without authorization or notice. I read the disclosure statement and it does not support this. This situation is resulting in me being unable to pay my rent as I'd intended to on XX/XX/2019.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-04
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:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXXXX/XX/2020 NEGATIVE ACCOUNTS : -XXXX XXXX XXXX 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.

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 2019-07-01
Company: WELLS FARGO & COMPANY
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2019 I initiated a transfer of {$1500.00} from one bank account ( Bank 1- XXXX XXXX  ) to  another ( Bank 2-Wells Fargo ). I received an email from Bank 2 confirming the transfer. 


On XX/XX/2019, I received an email that Bank 2 had closed my account. I called and asked their customer service why it was closed and I was told it was closed by a system error and that my attempted transfer would " bounce back '' to my Bank 1 account within two business days. 


Well, it didn't. 
Bank 1 's statement lists the {$1500.00} withdraw by Bank 2. Since my account with Bank 2 was closed before the transfer hit, it does not show any record of the {$1500.00}. 


I filed a claim with Bank 1, and they told me there is nothing they can do because I authorized the transfer. I filed a claim with Bank 2, and they told me there was no error on their part. 


Note : I transferred the money via XXXX, the in-app transfer service. I verified the account numbers, so I did not accidentally send this money to someone else 's account. I have all the documents acquired thus far. I tried to contact XXXX and they told me that if I used XXXX in my bank 's mobile app ( which I did ) and need service, I have to contract my bank ( which I already tried ).

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 2021-07-20
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Two new inquiries were reported on my credit information. One was a PayPal MasterCard and the other was something called XXXX finances. Just recently these past couple days. I did not apply or sign up for any new credit cards or loans and cant get a hold of anyone to dispute.

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 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Company Inquiries : 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

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 2019-07-01
Company: CITIBANK, N.A.
State: OH
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:
XX/XX/XXXX I called Citi to report fraudulent charges and report the card lost/stolen. the lost stolen was taken care of right away but the fraudulent charges have not all been credited back to the account after several calls to the company.Sent Cit a file on XX/XX/XXXX showing the 60 fraudulent charges from XX/XX/XXXX - XX/XX/XXXX along with dates, description, and amount charged. I've made numerous calls to Citi ; XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) always being told I would see the credits in 2-3 business days. On XX/XX/XXXX spoke with XXXX a XXXX in XXXX XXXX in FL and she said a complete audit would be done on the account and everything would be cleared up in 7-10 days. Called Citi one last time this morning ( XXXX ) and spoke with XXXX, again he said he would have it looked into. 

Since it's been over 60 days ( and out of the timeframe for a dispute to be resolved, I informed Citi I would contact the CFPB for resolution.

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 2019-09-16
Company: Prosper Marketplace, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Logged in to make a payment on their website on Sunday XX/XX/XXXX. There was a message there that I had a past due amount of ~ {$460.00} and total amount due of ~ {$940.00} ( including upcoming payments ). I selected the button to " Make a Payment '' and with NO further confirmation or ability to put in the amount I was going to pay it gave me a screen that said " Thank for making your payment of {$940.00}! '' There was NO ... please enter the amount you wish to pay.

NO ... here is the payment we are about to process from your bank.

NO ability after I made that to cancel it ... even though it was a Sunday afternoon.

I immediately sent an email even though they are closed.

I phoned on Monday morning after checking my bank and seeing that the $ $ had not been attempted to be taken out yet. The Prospoer rep told me " There is nothing we can do from here. Maybe you want to stop payment at your bank? '' For one, banks dont ' easily stop ELECTRONIC DEBIT payments from what I understand ... though I've not tried. Regardless, if they did do that, we KNOW the bank is going to charge a fee and Prosper will charge a fee. Even if the payment was honored I DID NOT want to pay that amount with this payment as it will have other ramifications. Prosper offered to " refund '' my payment by speaking to a refund specialist and then, inexplicably, telling me I'd need to have my bank on the line. For what? We are putting money IN if we do that. You had zero problem taking it out without the bank.

Anyway, the fact that they sneakily decided my payment amount and provided zero confirmation is the basis of my complaint. I'm sure they will say " no, no, here is where someone would put in the amount on the 1st screen. '' If so, it definitely is misleading how it's presented and it can not be ok that there was no confirmation screen before this went through and no way to cancel within seconds of processing it ... which again it hasn't processed. They give you the " blah, blah '' that it might take 2-3 days for bank to remove funds ... which means you are doing it as an ACH vs credit/debit card pin transaction which means I believe they should have been able to stop it by my calling the start of the next business day.

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 2021-12-02
Company: EQUIFAX, 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:
I am a victim of Identity theft. I have enclosed a notarized Identity theft Affidavit proving it is in Fact me that submitted this report I did not authorize these inquiry requests and I did not make these charges mentioned with the list. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
USCB America account numbers XXXX, XXXX and XXXX collections have been paid and closed as of XX/XX/2020. I have new credit reports and USCB has failed to report that the accounts have been paid. Several attempts have been made to USCB and XXXX  credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6400.00} -This is not my account.

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 2019-09-16
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX  XXXX XXXX XXXX # XXXX is reporting an incorrect balance on my account. This account has been settled and paid off and should no longer be reporting a balance to 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 explanation
Consumer complaint received 2018-01-27
Company: Law Offices of Robert J. Colclough, III
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have never had account with this company! Called XXXX XXXX XXXX. Ive never giving them my personal information, such as address, phone number. My date of birth .. this company has called me threatening me, access my credit report without my permission to report a account that isnt mine nor have I ever open account with them. I am asking for documentation with poof, to how they are verifying that this debt belongs to me saying this account is mine? Ive had my credit report locked with XXXX. Still they where able to access my personal information. I have gave no permission to .. calling me, harassing me, I am asking for this account to be deleted off my credit report..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I XXXX XXXX, rights of privacy have been violated and breached by this bureau which could be a direct violation of federal law. This bureau is reporting incorrect data on their site and according to the government law, it is the bureau 's GRAVE Obligation to guarantee reasonableness, unbiasedness, and a regard for the consumer 's right to privacy. This bureau is additionally in infringement of federal law by putting inaccurate accounts on their site without my authorization.

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 2019-07-01
Company: Ocean Lending Home Loans
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My house had a foreclosure on XX/XX/2019 that I am thinking was illegal foreclosure. I have spoke with attorney we believe it was a break in the assignment. I need to be explain why Ocean LLC 18 forclosed on my hoe. I originally purchase the home for XXXX XXXX XXXX XXXX. I need to know the connection to Ocean LLC 14 I was going over the deed transfer my attorney don't see a connection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: GREAT LAKES
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On the most recent occasion, XX/XX/19, I attempted to pay off a small loan XXXX  {$120.00} XXXX with over payment from my monthly payment. This time I attempted and followed emailed directions to completely pay off this loan, I came to find out that only {$.00} went to principal and {$.00} went towards interest on this loan. The other amount went towards the last loan I have through them. It is with great frustration that I am writing this, I am trying to move forward and pay off loans as a working professional and this company makes it very difficult.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: BlueChip Financial
State: MI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have received several calls from a collection agency regarding this account. I have informed them on several different occasions that I have no knowledge of this account and they should remove my contact information, and removed this tradeline off my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Im requesting to Experian to remove all The negative inaccurate accounts from my credit report and to stop ignoring my disputes or I will sue Experian not only for violations to my credit report but also for discrimination I had been requesting to Experian more than 20 times to remove the next negative inaccurate accounts with proves Experian didnt have send me a single a credit report and they dont want to investigate my disputes sating that they are unable to respond to my request to verify the item This agency is like dictator that violated my consumer credit report and even like that Experian dont want to investigate my disputes Im asking for legal help to sue this ruthless agency As minority I see how Experian wants to decide my own life affecting me from having a better 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 2018-01-27
Company: CORELOGIC INC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
a internet bill from XXXX XXXX XXXX I did not owe. I had inter service that stoped working so I called them, they tried to fix on the phone my internet was off over a mouth I asked to send a repair man they said no, they said my modem was bad, and they said we will send a new one at over 120 dollars I said no, so they said it would be no charge. I told them to cut off my service, but they sent the modem anyway it still did not work, so I got another internet service. mean while they sent a repair truck, he found a line down across the road, then they sent me a bill for the modem & internet service XXXX dollars, I called them, they said I had to pay. I said no, so they turned it over to a collection co. they called me an said I had to pay she said she would put it on my credit report so I paid it! I have a witness to this

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 2021-11-11
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2021 I opened an account at TD Bank located at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. To fund my account I had my debit card from XXXX & XXXX & personal check from my XXXX Account & A check that my uncle endorsed to me ( {$15000.00} ) to deposit into my account. I attempted to take {$200.00} out of the ATM but my card got stuck in the XXXX. At that time it was a quarter to XXXX and I needed to get to XXXX & XXXX to get a replacement card. I had to eventually make the deposits by atm which I didn't want to. During this time I was in process of going through a divorce and had to put a stop payment on my personal checks I wrote, being my ex wife had withdrew all my money out my account without my consent and take all my money so only my personal check ended up coming back but the endorsed item didn't. So because of that they decided they were going to close my account which I didn't agree with but they did on XX/XX/XXXX. The endorsed check posted and cleared on all ends I owed TD a little over XXXX XXXX dollars and my remaining balance was {$14000.00}. So on XX/XX/XXXX my money was transferred to a internal account. I called and even visited two different branches they told me XXXX closed my account. contact them which I have done concisely and haven't got a return. I call TD Bank fraud line weekly and than me the same I need to speak to demarketing whom had yet to reach out I haven't even

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Fraudulent account XXXX XXXX XXXX open XX/XX/XXXX Amount 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