BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-08
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited cash into an ATM connected to a Huntington National bank branch in XXXX XXXX, {$1000.00} to be exact, and immediately after depositing the funds the atm sucked my money in and said the money was not taken quickly enough, for security purposes it will be held in the atm or something along those lines. And then it kept my card locked in the machine for atleast a minute. I did not get a receipt and I didnt get the money credited to my account. I immediately called the branch which was closed because it was on Saturday night XX/XX/XXXX at around XXXX. I called the XXXX number for customer service but that also was no help because there was work being done to the line at that time of night. I immediately called the XXXX XXXX police department to see if I should file a police report and was told that it wasnt necessary however if needed at a later time they would have a transcript of me calling them. I spoke to someone Sunday morning the XXXX and filed a report with the bank about the missing deposit. Monday the XXXX a representative from the XXXX XXXX branch and they told me that they dont personally collect any cash or take any reports from the ATM, that they have an outside source that handles it. I didnt hear anything back from the bank, so I called them a few days later at the one XXXX number that they have listed for customer service and I was told that they were reviewing it. Still havent heard anything a few days later so I called him back again. With the same result, a little bit of time goes by and I once again reach out to them and they tell me that they are waiting for the report from the ATM to see how it balanced. And then it should be a couple days and I should hear something from someone. I called them a couple days later and they tell me that they balanced the ATM and that it was not {$1000.00} over but that it was {$140.00} short so I chose to speak to a supervisor who told me the same thing. After hanging up with the supervisor I called the branch once again and I filed another report about the missing money and they told me that they will start the investigation once again. I just need my XXXX dollars and Huntington does not seem to care to help me get it back and it sounds like in their point of you Im going to be out {$1000.00} because they cant seem to find where my money ones from my ATM deposit. No one ever reached out to me to update me on what was happening in the situation, it is a large amount of money and Im a single mother to three kids and I need the money that I deposited, which is why I deposited it so I could pay bills for Huntington seems to have no interest in helping me whatsoever. The money was put into the ATM so where it went beyond. That is not my responsibility. It is Huntingtons responsibility. Someone has the money somewhere and they need to figure it out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have been disputing this account for a few months now and havent received anything concrete to keep it on my credit file. This is a violation of my rights. I do not believe the credit bureaus have been throughly looking into my disputes. I have attached my dispute letters that include, metro 2 compliance data as well as consumer law challenges under the Fair Credit Reporting Act! How are these accounts simply coming back as verified with no proof of thorough actual work being done. This is beyond messed up! The credit bureaus have been violating our rights for years. How long will the CFPB let this nonsense stand! 

I am reaching out to the CFPB today because I am hoping that you will be able to get me some real answers and have my best interest at heart because the credit bureaus obviously dont!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio Recover keeps on calling me everyday after I tried to settle the account and could not reach an amount number. 
I have asked several time to stop calling me, they have also tried calling me at work and haraism coworkers. 
i am afraid that I will loose my job as a result of their harassment call 's XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10
Company: Convergent Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
It all started back in XXXX of XXXX, I had to relocate to another location for business. I used XXXX XXXX however I think they registered it as a different name, XXXX XXXX. My name is XXXX XXXX. On XX/XX/XXXX at XXXX XXXX  ( Arizona Time ) I received a call from XXXX, which rang once than hung up. I called back the number which the lady that answered represented herself as Convergent Collections asking for XXXX XXXX and that she couldn't explain herself until I advised that I was XXXX XXXX. XXXX XXXX is the alternative name I use for my wife 's account with XXXX since I prefer that name, not my legal name. She wanted me to verify the address which I provided my current address but she said it was wrong. Then proceeded to give me hints as far as the name and spelling of the address. After that was confirmed she mentioned that the bill was from XXXX XXXX and was for a total of {$21.00}??. (? is in place because I do not remember the change amount. ) I advised that XXXX XXXX does not exist and is not a valid person and asked for more information on the debt, as far as date of birth or social used. While looking for this information, she specifically stated the following : " It is only {$21.00}, I would hate for this to be used against you. '' At this time I again stated that I dispute the vidaility of the debt and told her that the company has a time limit on when they need to respond. She advised that the company is quick and I will have an answer in the mail. 

The fact that she did not verify date of birth to confirm who she was speaking to is in fact the debtor and threating that this will be used against me if I do not pay is outrageous. I can only imagine how many times people give in and play along because they do not understand that debt collectors are limited on what they can do and say. I bet there are hundreds if not thousands of people being treated the same way.

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 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Sent a letter on XX/XX/2022 advising that inaccurate information is being reported on my credit profile. All three credit Bureaus are posting conflicting information examples listed below : Balances are reporting Different with all three credit Bureaus Last Activity date is different Date Account was open is different Accounts Showing Open and Closed Accounts Showing Past Due account on Closed accounts Collection Agency has not investigated or corrected the issue.

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 2023-02-17
Company: BROKER SOLUTIONS, INC.
State: IL
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 NEW AMERICAN FUNDING IS REPORTING LATE PAYMENTS OF 60 DAYS OR LATER THIS IS INFORMATION IS INACCURATE. 
In accordante with the fair credit reporting act XXXX  account # XXXX  has violated my rights. 
16 U.S.C 161 sect on 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a eonsumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer creel plan as late for any reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
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 information incorrect

Complaint:
THIS ( XXXX ) COLLECTIONS ACCOUNT HAS BEEN SUCCESSFULLY DISPUTED AND IS NOT AUTHORIZED TO BE REPORTED ON MY CREDIT FILE THIS ACCOUNT IS FRAUDULENT AND CURRENTLY HAS BEEN DELETED FROM XXXX AND STILL HAS NOT UPDATED ON EXPERIAN I NEED THIS REPORTED ACCURATELY IMMEDIATELY.

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 2023-04-24
Company: EQUIFAX, 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:
This complaint will serve as a follow-up to my previous complaint which contains the following items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XX/XX/XXXX I want the disputed items to be deleted from my file for their fraudulent status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Central Credit Audit, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX XXXX Central Credit Audit LLC sent a notice under the name ( XXXX XXXX XXXX for a bill balance of XXXX for creditor XXXX XXXX XXXX. 
I have no knowledge of the bill/balance because for XXXX that's not my first or last name and using my social security number for financial gain.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Back in 2011 I was only behind XXXX XXXX dollars and I asked if they could allow me to make up the money in future payments. They said no so they foreclosed on 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 explanation
Consumer complaint received 2023-03-07
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report ''. I've already disputed these items with the bureaus but they did not remove them, nor prove validation. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : 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 2023-03-07
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: Investigation took more than 30 days

Complaint:
On XX/XX/2023 I submitted a complaint to CFPB concerning Experian reporting XXXX XXXXXXXX Acct # XXXX, has violated my rights according to 15 USC 1681i Laws. I have waited more than 45 days and I have received no response from Experian. XXXX XXXX and Experian is holding me back from getting my family a home, higher credit limits and from getting funding to grow my business. This is very frustrating not only to me, but also my family ... .... 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose The following account listed below were paid on time. Please correct and forward to me an undated copy of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: U.S. BANCORP
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Filed fraud complaint # XXXX with XXXX XXXX XXXX after finding fraudulent purchases on card. Was alerted by my personal bank XXXX XXXX that US bank had made an unauthorized transfer from my checking account of {$4000.00}. Accessed account and found fraudulent charges of just over {$9900.00}. Was sent a letter saying I was responsible for charges as I had received benefit from them. Service rep called me after I sent in unfavorable survey, reopened investigation, determined an unsolicited replacement card had been sent to me and was likely stolen in the mail. Got e-mails every 2 weeks assuring me they were working on it. On XXXX/XXXX/22 received e-mail saying claim was near resolution and I would receive an explanation letter. Never got it. Called and was told it was resolved and I had credits but they couldn't do anything about it because XXXX XXXX account was changes to XXXX XXXX. XXXX XXXX said I hadn't filed a complaint in a timely manner. Sent certified letter to US Bank requesting explanation letter and documents on XX/XX/22, still have not received a reply.

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 2023-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
15 US Code 1681e states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 

I am not satisfied with my previous dispute because I have reason to believe that this company did not follow reasonable procedures when investigating the items that I disputed on my credit report, I believe that the company 's investigation was done by an automated eOscar system which is why the investigation yielded inaccurate and false information 15 US Code 1681i ( Section 5 paragraph A ) states that Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) PROMPTLY DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

From my understanding this company could be held liable for willful noncompliance under 15 US Code 1681n especially due to the statutory and actual damages i've suffered

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: EQUIFAX, INC.
State: NV
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 submitted multiple written disputes to XXXX, Equifax, and XXXX regarding incorrect, invalid, inaccurate, and potentially fraudulent information on my personal consumer credit reports with XXXX, Equifax, and XXXX. 

The responses from XXXX, Equifax, and XXXX clearly violated the Fair Credit Reporting Act ( FCRA ). There was either no proof of any investigation and no proof of any verification of the disputed items to conclude the items were " verified as accurate and should remain ''. I demanded proof and documentation of the investigation to verify these disputes items when I requested the items be removed from my credit report. I have sent multiple written disputes including challenging hard inquiries, collection accounts, charged-off accounts, late payments etc. The FCRA requires original documentation verifying these items belong to me and a signature which nothing was provided to me from XXXX, Equifax, or XXXX. I have not received any documentation to date from XXXX, Equifax, or XXXX that shows proof these accounts were authorized and signed for by me so the FCRA requires the credit bureau agencies to delete them. 

My information is as follows... 

Name - XXXX XXXX XXXX Address - XXXX XXXX XXXX XXXX NV XXXX SSN - XXXX DOB - XX/XX/1982 Phone - XXXX Email Address - XXXX Accounts I sent multiple written disputes requesting deletion of these accounts due to being inaccurate, invalid, and fraudulent are .... 

1 ) XXXX XXXX XXXX XXXX Charge-off XXXX  Credit Card XXXX XXXX 2 ) XXXX XXXX XXXX XXXX Charge-off XXXX Credit Card # XXXX 3 ) XXXX XXXX XXXX XXXX Charge-off Checking Line of Credit Account 4 ) XXXX XXXX XXXX XXXX Personal Loan Charge-off 5 ) XXXX Credit Card Charge-off 6 ) XXXX XXXX XXXXXXXX Credit Card Charge off 7 ) XXXX XXXX Credit CardXXXX XXXX Charge-off 8 ) XXXX XXXX XXXXXXXX XXXX Credit Card Charge-off 9 ) XXXX XXXXXXXX XXXX Credit Card Charge-off These accounts are listed on all three personal credit bureau reports each with XXXX , Equifax , and XXXX. I am requesting the CPFB assist me in working with XXXX, Equifax, and XXXX to have these accounts permanently deleted asap. 

Thank You for your assistance in this matter Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: ENOVA INTERNATIONAL, INC.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
In accordance with the Fair Credit Reporting Act ( FCRA ). This Creditor has violated my rights under 15USC1681 Section 602 states I have a right to privacy.

15USC1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Under 15USC1666b a creditor may not treat a payment on a credit card account under an open-end consumer plan as late for any purpose. 

On XX/XX/23 the account was reported 30 days late. I was told by a representative to call back on XX/XX/23 to set up a payment plan as I am starting a new job.

Company response to consumer: Closed with explanation