BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-09
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, I cashed XXXX savings bonds at Huntington Bank. XXXX, the teller, gave me a printout of the redemption value of {$8700.00}. I requested the funds be deposited into my checking account. 

On XX/XX/XXXX, I checked my online bank checking account and noticed the correct amount was deposited, however, a deposit amount correction of {$410.00} was deducted from my account. I contacted the Huntington customer service and spoke to XXXX who could not explain why the amount of {$410.00} was deducted. He provided me with a reference number # XXXX and stated someone would call me back. 

Since I never heard from Huntington Bank, I called the customer service number again on XX/XX/XXXX and requested to speak to a supervisor, XXXX. XXXX stated there may be an issue with the scanning of one of the bonds. She was going to email XXXX at the bank and copy his manager to resolve. She also stated someone would call me back. 

Since I never heard from Huntington Bank, I went to the bank on XX/XX/XXXX and spoke to XXXX. XXXX stated he was going to resolve my issue and would call me back on XX/XX/XXXX. 

XXXX left me a message on my cell phone on XX/XX/XXXX stating he was going to process a credit and would backdate the credit back to XX/XX/XXXX. I looked at my online checking account and it appears there is a pending transaction. 

I will check my bank account balance on XX/XX/XXXX to see if I received the credit. 

Since I hope my issue has been resolved, I would like to know the following : 1 ) If the bank has a scanning issue with one of the savings bonds, why is this my problem?

2 ) How is a bank allowed to deduct money from my checking account for their mistake without first notifying me?

3 ) If I never checked my checking account online, would Huntington Bank ever have contacted me to explain why the amount was deducted? 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX XXXXXXXX  I went to send my husband {$20.00} on PayPal when I noticed the email was changed, so I called PayPal and explained to them that wasn't my email and they said no problem and that they would fix it. on XXXX XXXX, XXXX, between XXXX am and XXXX am, I heard a ping on my phone saying I had a transaction of XXXX dollars. Simultaneously, I had gotten another message saying that I authorized {$500.00} and then right after that I got yet another message saying that I authorized a transaction of {$3200.00}. Within a minute all of my money was gone, I called PayPal straight away and it said we had XXXX cent balance. From there we opened a claim and they said not to worry, they would fix it. Me and my husband noticed after the first ruling we saw that there was bank in XXXX that was attached to the account ( XXXX XXXX  ) and someone else 's name and phone number. We had to enlighten PayPal that there was a different name, number and email attached. There were also clearly two different IP addresses, mine and the person who stole my money. I live in XXXX and have never been to XXXX I never even attached a bank with my account. On XXXX XXXX XXXX they also told us that a computer handles these issues, not an actual person. From there, they escalated it again and told us that a human would be looking at it. They came back and they did not find any unauthorized activity in the account yet again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Today, XX/XX/2022, I received a XXXX XXXX offer for an item I was selling. After agreeing to the amount and date, she claimed to want to send me the money now and pick up the item on the agreed upon date. I received an email from what looked to be zelle that my account needed to be upgraded. To do this, she was supposed to send me {$400.00}, that I would then return to her, and send a screenshot reply to the email. The names on the XXXX XXXX account and the zelle did not match. After sending the {$400.00}, I immediately called my bank, XXXX, because it didn't feel right. The associate saw that the transaction was suspended and tried to cancel it but was unable to. She then gave me the number to zelle directly, but they refused to help because it was done through my bank account and not a separate zelle app. 

I then received another email requesting even more money. She has messaged me multiple times since then asking if I have received this email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: ONLINE Information Services, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been the victim of identity theft. My wife and I both have been swept up in what seems like one data breach after another. I have previously reported similar incidents in the past that involve utility companies in the XXXX XXXX United States. XXXX XXXX  and XXXX XXXX companies are what I remember and this incident again involves XXXX XXXX. This debt is {$650.00} Creditor : XXXXXXXX XXXX Reference # : XXXX Date of Service : XX/XX/2020 Service For : XXXX XXXX XXXX PIN # XXXX The collection agency has been made aware by me that they, AGAIN have been defrauded by a person/s using my social security number. 
The collection agency is ONLINE INFORMATION SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX ( XXXX ) XXXX My wife and I have never lived anywhere other than the State of Washington, we have no Rental Holdings XXXX We do have residential history and XXXX XXXX XXXX XXXX that encompass the last 30 years and refute this debt. 

I have reported this incident to our local law enforcement agency, XXXX XXXX Sheriffs Department. 
The Citizen Report with tracking number XXXX has been processed. 

The formal report has been processed and filed with the XXXX XXXX Sheriff Department under incident number : XXXX. 
( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01
Company: Experian Information Solutions 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:
My credit score has dropped significantly and I'm trying to reach out to the companies but it only looks like they're automated services that are available. Doesn't look like I have any debts or have any major negative marks on my report recent or in the past. I've had excellent credit for many years so I don't understand what changed in the last few weeks and I can't get anyone to explain it either. 

I'm trying to get the credit companies to tell me what exactly happened. 

I know recently I've been in a victim of identity theft so I'm curious if that's the reason why or something else. Either way something is clearly wrong and I can't get the credit reporting companies to help me. 

Thank you so much

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 2022-08-01
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is an Accord and Satisfaction Complaint On XX/XX/XXXX, Someone from Carrington Mortgage Services LLC ( CMS ) Contacted me regarding a previous discharged account ( # XXXX ) claiming that I owe a debt in the principal amount of {$79000.00} ; and an amount due on XX/XX/XXXX being {$980.00}. In violation of 15 USC 1692c of the fair debt collection practices act by harassing me regarding this debt. 

On XXXX, the attached Affidavit of Demand for Verification of Debt ; and Notice Of Cease and Desist addressed to CARRINGTON MORTGAGE SERVICES LLC. Attn : XXXX XXXX Chief Financial Officer ( or Successor ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX & XXXX, XXXX, California XXXX was sent via Notary Certificate of Service and Return Receipt Requested # XXXX XXXX XXXX XXXX XXXX. 

Tender for this account by way of an negotiable instrument, ( postal money order # XXXX XXXX ) having a postage date of XX/XX/XXXX for full Satisfaction of all claims in accordance with the stipulated conditions set forth in UCC 3-311 has been executed. Which states, " the claim is discharged if the person against whom the claim is asserted proves that the instrument or an accompanying written communication contained a conspicuous statement to the effect that the instrument was tendered as full satisfaction of all claims ''. In support of the aforementioned, I submit the hereto attached Affidavit Of Tender of payment acknowledgement and discharge with Exhibits.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Can you clarify that your company complies with the Gramm Leach Bliley Act?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
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 USC 1001. Additionally, these misstatements are punishable as perjury under 18 use 1621. This collection found within my credit report are not rolated 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 believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Can you clarify that your company complies with the Gramm Leach Bliley Act?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I explained to Transunion,  XXXX , and   XXXX   that i do not recognize any of these inquiries on my credit report. I am writing to dispute the following information in my file. I recently received a copy of my   XXXX  ,  XXXX , and Transunion credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance  C. Employment D. Court Order Th e following credit inquiries are related to none of the aforementioned permissible   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 2022-12-09
Company: FIRSTBANK
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On Tuesday XX/XX/2022 I was informed my account was closed at FirstBank Holding Company. I was asked if I wanted my funds mailed or picked up, I said I would pick them up. I went in early today ( Friday XX/XX/2022 ) and was told everything was on hold. After about XXXX minutes I was requested to talk to a guy named XXXX who asked non-important questions and refused to forward conversation on my funds in my closed account. I ended the conversation amicably, drove home, reached out to the representative who I first spoke with, XXXX, and asked her to mail me the checks. She informed me that until XXXX releases the funds she can not do anything. As of XX/XX/2022, FirstBank Holding Company confirmed XXXX account closing balances. The oldest account had a little over XXXX XXXX XXXX XXXX ( {$20000.00} ) and the second account had a flat XXXX XXXX ( {$10000.00} ). I was told nothing the holdings were completely removed on XX/XX/2022, and those balances were final. On Friday, XX/XX/2022, all the events I spoke about above, occurred, and FirstBank refused to give me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/XXXX I received a call from Wells Fargo ( it was their number but not them ). They had all my information when I answered the phone and had advised me rhag my card had been used for fraudulent purchases ( when I checked online it had ). The imposter rep assured me it was all going To be returned. I had {$31000.00} taken ( combined debit purchases and wireXXXX transfers XXXX I have a police report detailing everything. I received the debit purchases totaling {$11000.00}. Wells Fargo is refusing to return the {$19000.00} in transfer stating that because it was done using a secure system it was approved by me. It infact wasn't. I am out years worth savings. I believe it was an inside job. This person know my account info and would call me an hour or two after I had called Wells Fargo myself.

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 2022-09-27
Company: Credit Corp Solutions Inc.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
CREDIT CORP SOLUTIONS apparently purchased the alleged debt from XXXX XXXX, CREDIT CORP SOLUTIONS has continuously harassed and oppressed me for a year. using false representation of the character and amount of the alleged debt. sending me misleading and inaccurate statements. I have responded several times by sending certified debt verfication letters along with a cease and desist. CREDIT CORP SOLUTIONS only would come back with more false and misleading documents. a year passed then an alleged law firm by the name of XXXX XXXX XXXX got involved and started harassing me by sending me the same false and misleading documents. I responded everytime with a certified debt validation request and they would only send me back more inaccurate statements. dates of CREDIT CORP SOLUTION harassment dates started XXXX ... XXXX ... XXXX ... XXXX and XXXX XXXXXXXX XXXX XXXXXXXX continued the harassment XXXX also in XXXX when CREDIT CORP SOLUTIONS first contacted me and I responded. XXXXXXXX XXXX SENT ME A LETTER ALONG WITH A CHECK ( THAT IM SURE THE AMOUNT WAS INCORRECT, IM SURE THEY OWED ME MORE ) Admitting that the debt was inaccurate and charged me incorrect interest fees. THE CFPB ALSO BROUGHT A CLASS ACTION LAWSUIT AGAINST XXXX XXXX FOR CHARGING INCORRECT INTEREST FEES TO THEIR CUSTOMERS AND FOR DISCRIMINATING AS WELL.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: AmeriHome Mortgage Company, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I bought my house ( a new construction ) in XXXX. My loan was sold to AmeriHome in XX/XX/XXXX. In XX/XX/XXXX, I discovered that AmeriHome had increased my monthly mortgage of {$1600.00} to over {$2200.00}. There was no prior notice from them to explain this. I called them immediately to ask why and that I ( like almost everybody else ) will not be able to afford an additional increase of {$500.00} every month. I had gone further to explain to them that I had changed job in XX/XX/XXXX and dropped salary from a XXXX to a XXXX, yet continued to pay the required amount without complaints. AmeriHome told me that they increased my mortgage because my taxes increased. I went to the County Office and was told that my taxes did not increase, rather they just started taxing me on the house, unlike previous years that only the land was taxed. I tried working with AmeriHome, but they were not willing to. Immediately, I contacted one of the loan servicers that had been mailing me great offers and started the refinancing process with them at a much lower APR of about 2.5 %. I continued making the payment to AmeriHome and then in XXXX and XXXX, they returned my payments and reported me to the credit bureaus for missing payments. The first month of reporting, I dropped XXXX points and then dropped about XXXX  points after. One of the AmeriHomXXXX representatives advised that the loan be put in forbearance to prevent further credit score drop and for the issue to be resolved. AmeriHome reduced my monthly pay to {$1900.00} and I told them that it is still too high for me. The company that I wanted to refinance with dropped me after they assessed the house and no other company would refinance my mortgage. Before I knew it, AmeriHome sold my loan to XXXX and I got to know this because the new company contacted me to introduce themselves as my new loan servicer. I called AmeriHome again and they told me XXXX is their sister company and that it was just a transfer ( this I found to be untrue ). I wanted to sue AmeriHome, but I was called away on XXXX to XXXX. The new servicer is trying to modify my loan, but I can't bear refinancing my loan with them for 40 years. AmeriHomXXXX caused great damage to my credit score, making me to pay more for no reason, made me to lose refinancing my home at a much lower APR, and also caused some XXXX XXXX XXXX  emotional hurt to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Hello - I recently ran a Credit Report on XXXX  and noticed two accounts that were Fraudulently opened in my name. Accounts with these two Credit Unions indicate balances owed and late payment history. As a result, my Credit Score is severely impacted and affecting my ability to qualify for loans. As I did not open these accounts, I am working with the individual Banks to close the accounts and restore my credit ( Formal complaints attached ). Any help to resolve would be very much appreciated. Thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
15 U.S.C 1681 SECTION 602 A : States I Have a right to privacy.

15 U.S.C 1681 SECTION 602 A SECTION 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. 

Experian XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX ( Note ) - dispute with all credit card companies mentioned in above paragraph and all 3 credit bureaus Experian XXXX and XXXX ( Alert on credit file and to add on now my exact updated info is being used for credit card apps as to not get denied or bypass fraud dept.

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 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. Validate Account XXXX XXXX Account Number : 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 2023-11-19
Company: CL Holdings LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX around first week of 2023. I noticed there was a debt collection {$6800.00} on my XXXX XXXX  account opened on XXXX XXXX2023 from Jefferson Capital System with original creditor XXXX XXXX. I disputed it with XXXX discussing I never opened a XXXX and has been with XXXX XXXX XXXX for 10 years now. I have never missed payment with XXXX XXXX XXXX  and always completed my payments. I will also not spend this much amount in wireless. My dispute was denied and this is still showing on my credit report on debt collection. I have been working hard to pay my XXXX loans and credit card payments and to have a debt that is mine is heart breaking.

Company response to consumer: Closed with explanation