BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-19
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hello- The is regards to a wire transfer sent from my account at Huntington Bank XXXX On XXXX/XXXX/XXXX I initiated a wire to XXXX XXXX XXXX via XXXX XXXX XXXX. I received a phone call on XXXX/XXXX/XXXX advising me as follows. I have a recorded transcription of this as well. " This is XXXX from Huntington bank and I am calling about the wire on the XXXX for {$2400.00} this wire was going to XXXX to XXXX XXXX XXXX they are unable to apply these funds stating that the beneficiary name is incorrect. we are requesting these funds be returned to us, if you have any questions please call us at XXXX reference # XXXX " I called on XXXX/XXXX/XXXX and was advised that the beneficiary did not receive the funds and would NOT receive the funds as a recall had been initiated. I subsequently initiated a wire in the same amount of {$2400.00} on XXXX/XXXX/XXXX under the auspice that my original funds had not been received by our vendor. 

I was advised to call back in a week and check if the funds from the 1st wire had been credited back. When I called back I was advised that the funds from the first wire had not been credited to the XXXX XXXX XXXX, and that Huntington was waiting on XXXX XXXX and XXXX XXXX XXXX to return the funds. I was advised that this process can take up to 30 days. 

I continued to call in weekly and check the status of the {$2400.00} from my original wire that Huntington repeatedly advised me was not received by the beneficiary. And was told the same thing each time. Nothing to worry about. Recording of all these phone calls should be available. 

Finally on XXXX/XXXX/XXXX I received a phone call from Huntington bank, XXXX in the wire transfer department. in regards to the recall request that was sent on XXXX/XXXX/XXXX. There is a denial from XXXX XXXX XXXX to return the money. And we are considering this case closed. Please contact the beneficiary for any further information. reference # XXXX I am requesting my original wire of {$2400.00} be credited to my account immediately by Huntington Bank. I was repeatedly advised throughout the process that the money would be coming back to me and the beneficiary never received the money only to be told 30 DAYS later that the beneficiary in fact received both wires and was refusing to return them. 

The communication breakdown in the wire system with Huntington Bank is unacceptable and fraudulent. They repeatedly advised me no further action was necessary and " not to worry '' all while the stood idlely by doing nothing to recall the original funds. There wire process and wire department needs to be investigated throughly so this does not happen to customers in the future.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-05
Company: Experian Information Solutions Inc.
State: FL
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 Account is reporting incorrect on credit file. Experian was sent documentation from XXXX> The account went 30 days past due 7 years ago, then 60 then 90 ... Experian has failed to correct my file although I sent them a letter from XXXX. They have failed to properly address my complaint and also have blocked me from disputing online. I can not dispute anything online although I pay for their service. XXXX and XXXX corrected the account Experian merely ignores my request. The account 's history is 7 years old and the history should have dropped off with the Chapter XXXX. In any case the other bureaus corrected it when I submitted the letter.

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 2019-05-30
Company: AES/PHEAA
State: PA
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:
I am having trouble with Fedloan serving and my income driven repayment program and my loans in general. Last year for XXXX I submitted pay stubs and schedule of retirement payments for my self and my wife 's pay stubs and payment was {$XXXX}. I did the same thing for XXXX pay stubs and schedule of retirement payments for myself and pay stubs for my wife. Payment for XXXX is {$XXXX}. No employment or pay changes for either of us I have called the Fedloan servicing trying to get an answer as to why, I can not get a good answer. Today I was told I will make {$XXXX} more in XXXX then XXXX. That is why my payment has changed. 

I receive around {$XXXX} a month retirement and receive {$XXXX} an hour working XXXX. My wife makes about {$XXXX} a day as a XXXX XXXX working the XXXX year. The last week of XXXX to first week of XXXX. 


The loans I have were also consolidated before they should have been. I was told they could not change this because it is to late. 

I seem to get different answers to my questions when I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Hello. I've tried to resolve this with XXXX and bank of america, but neither will refund my money, just under {$260.00} XX/XX/XXXX I went on XXXX  to purchase a sonos amp. I clicked " ask '' in the app, but it didn't work. I got an error message. So I submitted an offer in the XXXX app and it went through. I sent a text message saying i put an offer in via XXXX. the gentleman ( name in XXXX XXXX is XXXX XXXX ) was driving to XXXX  XXXX to ship the merchandise. He sent me pics of XXXX XXXX  and a XXXX XXXX receipt. 


He said he couldn't get XXXX to work and if I'd send him the money through XXXX. Since he gave me receipt and I had an issue with the XXXX app, I thought we has telling me the truth. I sent them money via XXXX and asked him to confirm. He confirmed it was him, but came back and said his XXXX app was hacked and to send it to his wife 's account. I said no. 


He threatened me a couple of times, but I said I won't resent the money. I went into XXXX to chancel the txn. there is way to do this in the app, but it said it wouldn't work. I called XXXX and they told me I have to go through Bank of America. I couldn't get a hold of XXXX XXXX, since it was Sunday. 
I called XXXX and the told me the address on the fXXXX receipt doesn't exist. 


I followed the XXXX instructions and reported the person. they said they couldn't help. I emailed them again ( they have no phone ) and said the same person is on there under multiple names doing the some thing. still nothing from XXXX. 

I saw where BofA refunded consumers of XXXX due to fraud. WHen I asked BofA, he told me the circumstance are irrelevant. they don't have to refund me, if it's fraud. 

I called the local police and they said they can't help since it happened online I have several screen shots of the texts, XXXX XXXX bid, email addresses and names.

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 2019-05-30
Company: EQUIFAX, 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:
Equifax and XXXX are reporting an incorrect coding of the XXXX   XXXX/XXXX partial account number XXXX. This account actually needs to be coded as an M1. ( Please see pages 4 and 5 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXXXXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX PXXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry 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 2019-06-05
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: Their investigation did not fix an error on your report

Complaint:
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.

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 2018-04-05
Company: CREDIT ACCEPTANCE CORPORATION
State: VT
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get repeat calls and voice mails from credit acceptance, I defaulted on a loan and they have had two repossession companies call about the vehicle and were told by me to come and get the vehicle on both occasions, no one ever showed up, now credit acceptance will not stop calling me very several different 8 different phone numbers, I know its them because most of the time they leave a recorded message stating who they are, I get 10- 15 calls and voicemails a day 7 days a week from them, Its a little rediculous, especially after not picking up the vehicle on two different occasions

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 2021-08-07
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX failure to accept Federal Truth In Lending Act Striking a balance : when to extend the right to rescind under three years which occurred between XXXX XXXX and me. The the XXXXXXXX XXXX XXXX XXXX tow my car for a ticket. Was been forced to paid {$3500.00} with legal reasons. I informed XXXX XXXX. We both agreed that they would get the ticket paid for at {$350.00} and agreed to renegotiated contract attached voided the original car note as a provision. 

That contract was executed and XXXX XXXX reporting deragotory information on my credit up to date. They have the car and was released of all debts with proof attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: HW Holding, Inc
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/2020, I recieved a phone call from Hunter Warfield , Inc. regarding a debt owed due to eviction. I requested a letter of debt validation through the collector. The collector told me that they would refer my case to an attorney to file a lawsuit to sue me even during the debt validation process. And that the only way to prevent a lawsuit was to begin paying on the debt. The collector also questioned why I would validate my debt since it was 2 years old at this point. It seemed like the collector was attempting to dissuade me from validating my debt. 
I requested that even though a payment arrangement was set up that they still validate the debt and send me a letter of debt validation. It has been over 90 days since this phone call and I have yet to receive a letter of validation. 
I have concerns regarding the amount as they are charging a 6 % interest on the debt even though I did not agree to pay any interest when signing the apartment lease. Nor did I ever agree with XXXX XXXX that I would pay a 6 % interest to them. Even though I brought up this concern, they said I agreed to it in the lease documents. I reviewed the lease documents and in no where do the documents mention a 6 % interest or even the word " interest ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  and Transunion are reporting incorrectly a balance amount of {$720.00} on the XXXX partial account number XXXX. This account has been paid. ( Please see page 8 of the attached credit report. ) This account needs to report a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score.

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 2019-05-30
Company: PHH Mortgage Services Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX of XXXX, I had not received a mortgage payment booklet, so I sent a payment of {$1000.00} which they received XX/XX/XXXX. SInce XXXX of XXXX I had been sending extra payment on the principle to pay the mortgage off early. Later in XXXX I got a payment booklet which stated the entire balance owed in as of XX/XX/XXXX was {$2100.00}. With the payment slip I sent a check for the remaining XXXX balance which they received on XX/XX/XXXX. I also noted Mortgage paid in full. I noticed in the payment booklet they had vague lists of charges ; ie. XXXX to {$80.00} for closing estimate. I didn't need it. It clearly stated the remaining amount to the mortgage. I expected a letter stating to get lien clearance and the Property title I owed them x amount. Instead I began getting up to 6 letters a week telling me I owed them any amount from 241 to 881 with no explanation as to why. I sent a certified letter to the CEO of PHH Mortgage, and was turned over to the " Omsbudsman '' office at XXXX. They said they would investigate and asked for additional time. Although they still could not explain all the extra money I owed ( the two staff people I dealt with ) I did discover that 1 ) they not only failed to apply both checks to fulfill the balance in XXXX ; but they created extra payments and 2 ) CHARGED ME AN ADDITIONAL INTEREST!!!! I also learned that they had on at least two occasions in XXXX charged me late fees. They were not entitled to do that until the XXXX of the month, but they did it if payment was not received by the XXXX. I have yet to learn whether they did thissame illegal charges in XXXX as well. I have also been receiving dunning letters sometimes 6 times a week as if I am a deliquent debtor. Amounts vary from letter to letter. I have also received letters advising me on how to declare bankruptcy. When I requested that they stop these letters ; that I considered them Harassment, they told me that they were not able to do that. Aside from the serious stress of this situation, it is possible they are doing damage to my excellent credit status. Paying off a mortgage should be something to celebrate. This is making me sick ... literally.

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 2019-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  and Transunion are reporting an incorrect coding of the XXXX XXXX/XXXX   partial account number XXXX. This account actually needs to be coded as an M1. ( Please see pages 4 and 5 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-05-30
Company: EQUIFAX, 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: Account status incorrect

Complaint:
The date of last activity is incorrect on a XXXX collection account. The date of last activity was to be XX/XX/XXXX however it was somehow updated to XX/XX/XXXX. I have tried to correct this error repeatedly since this is the single issue that stands in the way of me and home ownership. I have now received a letter from XXXX telling me that any inquiry will cause the date of last activity to be updated. I would like to know if this is true. That being the case, any further attempt by me to get this information corrected would simply put me further and further behind at every attempt. I can not express how frustrating this is in that we can not purchase a home in the foreseeable future due to a mistake that I can not get anyone to correct. And, if I understand the letter from XXXX correctly, any future attempt would hurt me further. XXXX claims that they contacted Equifax but they declined to correct the information. I served our country honorably for many years and want to take advantage of my VA benefits to purchase a home. Any further guidance and assistance would be greatly appreciated.

Company response to consumer: Closed with explanation