BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
on XXXX XXXX 2014 i, XXXX XXXX had my purse stolen out of my vehicle and have police incident report.i then called all my banks and credit cards to cancel.Bank of XXXX is the only bank not allowing me to close my account till this day cuz of not XXXX balanced..in XXXX i spoke to XXXX XXXX and arranged financial difficulty payments and already paid XXXX payments and still not closing my account and my numbers keep going up instead of down..XXXX owed on my checking and i didnt agree on that but arranged payments anyway ... XXXX on my credit card account totaling XXXX..still charging me fees and late payments wen its stolen nobody knew about arrangements..then got a hold of a lawyer and no respond to our letter, ,i just want my account closed and i only owe XXXX to the checking if that XXXX on my credit card minus the charges.lawyer was XXXX XXXX FILE # XXXX. to show that i followed thru and they have not and its fraud,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-14
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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 50 days later I have not received a response yer. I feel like I am sadly being take advantage of and being ignored of my disputes. Sections 611 ( a ) plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.

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 2019-11-26
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Huntington Bank credit card are as follows and I did mail a copy of everything to your facility. 

1. Last statement I received was in mid XXXX. I explained to them what the issue was and was informed by their representative on numerous days til mid XXXX that they would work with me and I had to make a payment on XXXX in mid XXXX which I did and sent in. 

2. Never received a bill in XXXX. However I did make a payment of XXXX on XX/XX/22. 

3. Now they are claiming that I am deliquant when they never sent me a billing statement and are not working with me to correct this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: Colony Brands, Inc.
State: NM
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
In XXXX I opened one XXXX XXXX account. XXXX and XXXX of XXXX I ordered items from my account. I log into this account with my user name and password associated with the account and my account number. I pay my bills before the due date and every month. I tried to order items and I was denied and XXXX XXXX said I didn't have enough in my credit line and I knew I had more than I needed for what I was ordering. I started to receive late notices in my name and I ignored them due to me paying my bill for my account prior to the due date. I opened one to find out it had a different account number. When I called XXXX XXXX to question the manner they said that they opened the second account, without my knowledge or consent. 
I spoke to several people at XXXX XXXX regarding the mysterious bills and when asking for a supervisor the agents said " you can talk with me ''. XXXX XXXX, XXXX One agent said that they were getting me to a supervisor and when that person got on the phone they never said who they were or what role. I don't believe I ever spoke with a supervisor. I spoke to the " supervisor '' on XXXX XXXX, XXXX they explained that XXXX XXXX merged both of the accounts. XXXX XXXX 's opening the second account put me over my credit limit and now they're demanding money past due and my account has been flagged. I believe their should be some compensated because I took this serious and XXXX XXXX didn't. It was stressful talking with agents representing XXXX XXXX and stress from their fraudulent act of the second account. I contacted them several times over months because I was concerned about my credit and they treated me terrible. The worst part is this fraudulent account they opened in my name is messing with my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 a account without my written instructions, In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 a account without my written instructions, In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 a account without my written instructions, In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 a account without my written instructions, In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 a account without my written instructions, In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 a account without my written instructions, In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 a 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 non-monetary relief
Consumer complaint received 2021-03-24
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On WednesdayXX/XX/2021 I called evergreen professional recoveries to try and resolve a debt that I received in the mail and said I had 30 days to respond and take care of my debt in good faith. So I did just that I spoke to a man that asked me my name and said I have to transfer your call when I got transferred another man asked for my info and then asked about my spouse. He then said I owe XXXX and proceeded to say I had 30 days to pay or I was going to get sued by them. He didnt offer any resolution to my situation.I told Him I didnt have the money and if I could be put on a payment plan he told me no I then told them I would call back.

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 2016-05-30
Company: TekCollect Inc.
State: PA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
i am a college student every year i apply for my fafsa. when i join a college on XX/XX/2015 i had did my fafsa. because of medical problem i could n't complete my fall semester. but i had drop all my classes. now college is making me to pay it. college never contact me by email, phone or paper letter. they just send me a bill at the end of the semester. i am not able to make this payment because i am a XXXX XXXX XXXX. and they also put on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-07-14
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX executed a hard inquiry without my knowledge or consent in 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 2020-03-11
Company: AA Recovery Solutions, Inc.
State: AK
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My mother received a phone call from someone claiming to work for : A'A Recovery Solutions. 
XXXX XXXX XXXX ) XXXX or ( XXXX ) XXXX He claimed I have an account called XXXX XXXX XXXX XXXX, and claimed there is a delinquent balance that has been sent to him for collection. 

I have spoken with customer support at XXXX XXXX XXXX and assured my accounts are all in good standing, they further reassured me that all collections on delinquent accounts are handled in house. 

I made a phone call to the number listed above, spoke with " XXXX '' and when he realized I was not going to give him and personal information he got combative and hung up. 

I have checked my credit reports and do not have any delinquent accounts or outstanding debts. This is an obvious phishing attempt and inappropriate use of my personal information.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
I have been actively using my XXXX XXXX XXXX XXXX prepaid debit card over a year. I have my payroll direct deposited in to this account. I use the card to make purchases at XXXX, other merchants, withdrawal cash, ect. 

I have made several calls to the XXXX XXXX XXXX XXXX prepaid debit card customer service department. I expressed my concerns that I am being cheated of my rewards I should be receiving from this card. I have had nearly {$15000.00} deposited in total in to this prepaid card the past year. 

I understand that cash withdrawals are not considered eligible purchases to earn points. Nearly half of the {$15000.00} was spent where visa is accepted on eligible purchase. 

XXXX XXXX XXXX XXXX prepaid debit card Customer service continues to lie to me over the phone, break promisses this issue would be corrected, and a member of management would correct the issue. 

I continue to wait for my XXXX XXXX XXXX XXXX   prepaid debit card rewards. 

I HAVE NOT RECEIVED any rewards at all the entire year. XXXX XXXX XXXX XXXX prepaid debit card Is called, XXXX XXXX XXXX XXXX prepaid debit card Why is called a reward card when they continue to cheat, lie, and take no urgency to fix the issue. 

I should have earned nearly {$180.00} in rewards in total the past year. No rewards have been given to me I will proceed with legal representation if XXXX XXXX XXXX XXXX prepaid debit card does not correct the problem and apply the reward money to 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 monetary relief
Consumer complaint received 2022-03-21
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Experian Information Solutions 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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 3. Did not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 4. Did not consent to unauthorized inquiry XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 5. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
6. Validate Account XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
7. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I was a customer of Bank of America for a long time but am tired of the XXXX XXXX  XXXX I always end up dealing with, so I closed my last remaining account on XX/XX/20. The account had a negative balance of about {$170.00} so I made a trip to a local branch and made a CASH deposit with the help of a banker to make sure everything was handled, that all debts were settled, and that all my XXXX ties could be severed. LO AND BEHOLD less than 2 days later I get a message saying my rent payment of {$1400.00} was rejected and from what I can tell it's because I had a balance of {$1400.00} in the bank. SO it was rejected because of a {$.00} difference because some XXXX  XXXX can not count and now they want me to pay a penalty of about {$150.00} because my rent payment was returned.

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 2020-04-20
Company: Bread Financial Holdings, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid my card off to a XXXX balance in XX/XX/2019. I made a new purchase in the amount of {$58.00} on XX/XX/2019. I called and informed Customer Service that I had been sick and could not make the payment as I had been out of work. I was informed that my balance was too low for hardship and I did not have Insurance on the account. Since then I have made 3 payments totaling {$110.00}. I looked at my account and realized that I had more penalties on the account that is 4 times the charges in the amount of {$240.00}. I called back for assistance, I asked the first representative to transfer me directly to a supervisor. She told me that she understood and that per policy she had to make an attempt to resolve the account. She removed one fee of {$35.00} and transferred me. The supervisor ( XXXX ) that I spoke with stated that he could not remove any additional penalties or negative credit marks off my report since the previous agent removed one. I informed him that the previous rep credited {$35.00} as she stated that it was policy and she transferred me so that he could better assist me. 

I asked to speak with someone above him with more authority. He stated that there was no one else and anyone above him would not remove the fees since the first rep removed one. He refused to reverse the first credit to apply more. 

I feel that they know this upfront and applied a credit to avoid adding more. I know that with payments that I have paid the fees could have been taken into consideration as I called before it was this far behind for assistance and was refused, I was not given an option to cure the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I tried to pay my balance but the companys online banking had dis-enrolled me. The customer service keep telling me to go online to manage my account without fixing my log-in issues because my other account had been closed and it affected all my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Experian Information Solutions Inc.
State: IL
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 3 addresses on my report that don't belong to me and that I have never owned or lived at. They are : XXXX XXXX XXXX XXXX 
XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, TX XXXX My current address and ONLY address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX cell is XXXX home XXXX Employer is XXXX This is all that should be on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief