BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-03
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I purchased a business on XX/XX/XXXX. The business had two bank accounts with Huntington Bank, and two Automatic transfers that the previous owner had set up to pay a land contract and inventory loan from these accounts. I entered Huntington branches 5 separate times between XX/XX/XXXX and XX/XX/XXXX attempting to cancel the transfer. Each time I was assured it was cancelled, but on the transfer date, the money would still come out of the account. On the latest visit, I even made sure to get a letter signed from a bank employee stating the transfers were cancelled. They still occurred. At this point I've lost {$13000.00} to these transfers, and I'm now having difficulty collecting it from the individuals it was sent to. I had to close both accounts at Huntington, because that's the only way I knew I would be able to make sure the transfers didn't continue to happen. Huntington has done nothing to indemnify me for these losses, and has offered no assistance. 

I've highlighted the unauthorized transfers on the attached statements and included the letter from my final visit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: HW Holding, 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 have been getting harassed by a company name Hunter Warfield regarding a debt they claim I " owe '' from an apartment building in Maryland. I 've tried explaining to them over the phone several times that the debt they are claiming I owe I do not own. I have sent them several support documents such as my I/D, current lease from my apartment building, and proof that I have been living in XXXX for the past 5 years. It was mailed out to them on XX/XX/XXXX and they received it on XX/XX/XXXX via XXXX. The latest I spoke to on the phone stated that he " did not care '' if the debt was truly mine he just wanted me to pay " what I owe ''. Everytime I try to talk to management or someone in the investigation department the reps either hang up on me or transfer me to another debt collector.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Amsher Collection Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
You violated my rights Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description.

Please send the following information used to validate the validity of the invalidated items.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I contacted capital one credit card company. I explained that we paid the account off with a trust account guy confirmed that it went through as payed. We then owed {$1200.00} final notice dated XX/XX/XXXX. I asked for them to take some of the late fees and the over draft charges off. We called and asked several times to remove the charges they refused to do it. I did eventually payed the account down but had to suck up the extreme past due amount of {$1200.00}. The account credit limit was {$800.00}. Capital one just cares about money, no sympathy or wiggle room. Even XXXX store ( XXXX 's credit ) removed {$200.00} in fees. I don't understand why one of the major credit card companies can't help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XX/XX/XXXX : today, despite several efforts including a telephone call to customer service, EQUIFAX would not give me access to my credit file ; I tried using the XXXX XXXX XXXX website and then using my 'personal account ' with EQUIFAX . Both times, EQUIFAX would not permit me access to my credit file. I also called EQUIFAX customer service, and after scrolling through minutes of pre-recorded messages, I finally was able to request a personal conversation with a representative, but that conversation never materialized, because the EQUIFAX system immediately scrolled to a 'survey ' and then hung up on me. Equifax needs to be put out of its misery before it gives millions of consumers costly legal and personal problems. Seriously, EQUIFAX can't keep personal information secure and then they cause problems and delays for consumers who want to see their credit files. This is unacceptable and if EQUIFAX can't do better, then they should be shut down before any more harm takes place. 

I also note that the so-called 'security questions ' ; asked by EQUIFAX ( online today )  were bizarre. I answered those questions accurately, but EQUIFAX indicated it could not 'identify ' me. This is pure XXXX, and no way to reach EQUIFAX to correct this situation. I now have two ( 2 ) different passwords for EQUIFAX, and apparently, what was acceptable last year ( XX/XX/XXXX ) is not working this year.

By the way, XXXX had no problem providing me access today through the XXXX
XXXX XXXX  website, and their security questions were actually related to my information, unlike EQUIFAX. Kindly assist me, and let others know about this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-16
Company: Santander Consumer USA Holdings Inc.
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XXXX we were given a payoff amount that according to the lender was good through XXXX. On XXXX a cashiers check for the full payoff amount was overnighted to the payoff address. On XXXX the cashiers check was delivered, with signature confirmation on the delivery. As of today XXXX the lender has still not cashed this payment and refuses to acknowledge that it was received, even though we have signed proof of receipt. They state they record their phone calls but when they are told we are also recording the call they hang up. They are asking for a payment and will not investigate where our payoff went.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Ark-La-Tex Financial Services, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Benchmark XXXX XXXX sent me an Escrow Shortage statement on XX/XX/XXXX that is incorrect and I have tried multiple times to get a response from Benchmark to no avail. 

Reason for the shortage they claim : - XXXX tax payments from escrow - County Tax Payment in XXXX - County Tax Payment in XXXX - City Tax Payment in XXXX - XXXX Adjusted payment dates from Benchmark - County Tax Payment in XXXX - County Tax Payment in XXXX - City Tax Payment in XXXX ( Tax bills do not even come out until XXXX ) Benchmark told me on a recorded line that they would review the taxes and have this review completed by XX/XX/XXXX. The review has not been completed and you can not talk to anyone besides a customer service representative that does not have any information. 

Benchmark is telling my I have to pay {$3000.00} by XX/XX/XXXX or my mortgage payment will increase by {$300.00} per month. 

The escrow shortage Benchmark is claiming, is incorrect due to them adjusting them moving up the tax payment dates. 

Benchmark XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
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:
On my Experian Credit Report dated XX/XX/XXXX, an account from XXXX/XXXX XXXX, acct. XXXX has a fraudulent " Date Opened, '' of XX/XX/XXXX. 

On my XXXX  Credit Report dated XX/XX/XXXX, an account from XXXX XXXX XXXX, acct. XXXX, has a " Placed for Collection, '' date of XX/XX/XXXX. 

On my XXXX  Credit Report dated XX/XX/XXXX is the last report that stated the " Date Opened '' of XX/XX/XXXX. The XXXX  Credit Report dated XX/XX/XXXX has a " Date Opened, '' of XX/XX/XXXX. XXXX  makes it so difficult to get a credit report through the XXXX, that I haven't received a XXXX, or a XXXX credit report yet. 

The original, " Date Opened, '' is XX/XX/XXXX, and the original creditor is XXXX XXXX XXXX/XXXX  XXXX  XXXX  XXXXon account number XXXX for an amount of {$920.00}. 

XXXX/XXXX  has, and is continuing to report an incorrect " Date Opened '' for this account. The dispute from XX/XX/XXXX did not correct the issue of XXXX/XXXX  XXXX  reporting an incorrect " Date Opened, '' and Experian, XXXX, and XXXX  stated that they didn't have to receive and/or process another dispute regarding this fraudulent reporting. 

I am requesting this account be removed from my credit reports from Experian, XXXX, and 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 2021-04-22
Company: Experian Information Solutions Inc.
State: VA
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:
I sent a letter to Experian to see why they are reporting information to credit card companies that is not being reported to me. 

Both my credit cards and XXXX  report obtaining information from Experian that is not showing up on my credit report. 

They are being told that I have " Proportion of loan balances to loan amounts is too high ''. 

I received a notice back saying that I didn't provide enough information. 

When I called, I spoke to customer service, XXXX, XX/XX/2021 at XXXX am., she was rude and ignorant and told me that Experian will not explain why that is on my credit report ... and they will not explain why they randomly drop my credit score on XX/XX/2021 by 23 points. Instead of disclosing to my why that happened, they tell me I need to hire a third party to review my credit report to tell me as if I'm too stupid to see that the only thing that changed from last month to this is that I paid off a {$400.00} balance on a credit card. The fact that Experian is allow to abuse people and randomly with out explanation drop my credit score by 23 points should not be legal. 

So, in summary, Experian is giving info to credit card companies that is not on my credit report and not being shared with me and they are, without explanation, randomly dropping my credit score by more than 20 points. This has happened several times in the last year and should be criminal to cause harm to people to such an extent.

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 2017-10-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
XXXX XXXX XXXX XXXX/XXXX/XXXX Capital One Auto XXXX/XXXX/XXXX XXXX Card XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2021-02-27
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I feel that someone in the Federal Government is providing inaccurate information on my reports. I have three credit cards that I pay on monthly, yet NONE of these accounts are being reported. 
There is a negative report that should have been removed long ago, yet it is still being reported. 
Whenever I try to access my report and initiate a dispute, the web page tells me that the site is experiencing technical errors. 

I feel there is suspicious activity on the reports, and it is very strange that inaccurate information continues to be reported. 

I need help, please, to correct the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: EQUIFAX, INC.
State: NC
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:
Well over 2 months ago, I contacted the credit bureaus to correct an error on my credit report. XXXX XXXX responded a long time ago, removing the error. Unfortunately, I have not heard anything back from Equifax or XXXX yet ; despite several attempts to follow up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15
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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or update or correct of the following erroneous information on my credit report : XXXX XXXX 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 2019-12-29
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I submitted a payment amount for the total of {$140.00} to Best Buy Credit Card Master Card. This is the first day of the new billing cycle for this account. I submitted the minimum payment as outlined by the website when I logged in to my account. Over the course of several weeks I continued to check the website. It reflected the minimum payment was made and then on XX/XX/XXXX when I logged in it showed and new minimum payment due of {$130.00}. 

On XX/XX/XXXX at XXXX XXXX  I spoke with a representative and customer service supervisor regarding this. They explained to me that the payment made would count as an early payment because I made the payment before the bill was posted to my account even though the payment was on the first day of the new payment cycle and that the website had been updated to reflect the new balance due. 

I was then transferred to a representative in another department. You stated the only solution they have would be to have the payment reversed and then complete the payment again. The representative stated she would do as described and that the process can take up to 7 business days. As of the filing of this complaint the payment has not been reversed, nor has the issuing bank, Citi, for this credit card applied the payment made on XX/XX/XXXX in such a way that fulfills the minimum payment due on 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 monetary relief
Consumer complaint received 2019-10-21
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
We were issued new cards on an account we don't use or want. I tried to close the account a few weeks ago ( one of the cards is in my name ) and the customer service agent would not allow me to close the account because the account was in my husband 's name. Today my husband called to close the account. My husband is extremely hard of hearing and had trouble understanding the credit card rep. The rep did not want to close the account and kept arguing with my husband. My husband was getting frustrated because he could not hear or understand the rep. He then informed the rep that he was going to hand the phone to me and the rep didn't want to talk to me. I finally asked for his supervisor and when she came on the line we went through the same ordeal. After telling this rep several more times that we didn't want to account, we think she may have closed it, but because she, too, insisted on talking to my husband, we are not sure if the issue is actually taken care of or not. This was a totally frustrating experience and we are extremely upset that we had to be subjected to this kind of " customer service ''. The card in question is a Shop Your Way Mastercard issued by CitiBank.

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 2020-06-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5900.00}, {$9200.00}. 
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. 

-- OPEN ACCOUNTS 1. XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9200.00} -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