BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-13
Company: HUNTINGTON NATIONAL BANK, THE
State: KY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XXXX XXXX, 2016 we received a past due notice from Huntington National bank XXXX, Ohio concerning our car loan account # XXXX XXXX XXXX XXXX XXXX. Because we pride ourselves with prompt payment and meticulous records we knew that we had not missed or been late on a payment. Upon calling the bank { ( XXXX ) XXXX } I got the sense that they are as certain that we had made a late or missed a payment as we were that we had not. Here 's what happened. Upon review of our records and checking with our bank we discovered, as the attached ledger sheet shows, that we had issued a check ( # XXXX ) of {$230.00} on XXXX/XXXX/2016 for the XXXX/XXXX/2016 payment. You will notice that there is a check mark beside the amount XXXX to last column on the right side of the ledger sheet which indicates if a check has been cashed. This ledger entry is highlighted in yellow. There is no check mark beside the car payment and our bank ( XXXX ) confirms that it was not cashed. Also enclosed is a scan of the depleted coupon payment book for that account with XXXX shown as detached indicating that it had been sent. We canceled payment on check # XXXX, at personal expense, yesterday XXXX XXXX, 2016. We realize that we still owe the XXXX payment and are prepared to reissue payment ; however it concerns us greatly that this check was lost or misplaced and not applied to our XXXX payment and Huntington National bank has just now, in XXXX, discovered that fact and sent us a late fee demand and will report it to credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Billing statement

Complaint:
I paid on my Walmart credit card over the phone {$300.00} the minimum payment was {$25.00} on XXXX/XXXX/2015. I paid more than required and the rep told me I would n't have to make another payment for the next few months. I never received any past due notices or emails, however XXXX/XXXX/2015 I received an email and a letter a few days later that my credit line has increased. I also logged into my account earlier this month and it said payment due date XXXX/XXXX/2015. The website was very misleading and the representative misrepresented everything to me. The only reason I knew my account was delinquent is because XXXX XXXX sent me an email notifying me there was a change in my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-16
Company: CITIBANK, N.A.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
My private student loan is through CitiBank, Citi Assist loan. XX/XX/2016, the interest rate went up on my student loan by .25 %. That is fine. BUT, my payment more then doubled. I went from paying {$130.00} a month with a 4.25 % interest to {$320.00} with a 4.50 % interest rate. This seems WRONG correct? They were not helpful. They suggested I do a direct debit to reduce my interest down .25 %. So I did. My interest went back down to 4.25 % ( my original interest ) and now my payments are {$130.00}. So basically I am getting screwed by them because none of this makes sense. I firmly believe this new payment of {$130.00} is WHAT I should have been paying with the interest increase. They tried to double talk me when I asked about my new payments after the interest hike and they were not helpful and did n't do anything. I am very scared about the next interest increase and what they will come up with for my payments.

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 2015-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently mailed in a copy of my identity theft report to Transunion and XXXX, in order to get information from an identity theft issue blocked. I received a letter issued XXXX/XXXX/2015 from TransUnion telling me that the information would not be blocked without giving me any specific reasons. I have filed a police report as well as an affidavit with the FTC in order to have this information corrected. I have sent affidavits to XXXX in order to have the company investigate the issue at hand as well. 

Transunion has given XXXX general reasons, which are shown in the letter that they lifted straight from the FCRA, even using ( and/or ) for the reasons. This shows that they do not have not made a specific reason to provide me as to why they will not block the information. The majority of the information was inquiries, which can not be corrected simply using a dispute. I have already tried that, and they say they can not remove " factual inquries '' without the identity theft report, which I provided.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: Select Management Resources, LLC
State: MD
Product: Consumer Loan
Sub-product: Title loan
Issue: Payment to acct not credited

Complaint:
I have applied for loan max title loan and I have been paying on this account since XXXX/XXXX/2014 I received the loan on XXXX/XXXX/2014. now I have been paying {$210.00} every month to find that because i was late the money paid every month for almost 1 year will not count against the principal or the loan only interest which i totally do n't get. so these people are telling me that i have still have an almost {$11000.00} balance and the loan was for {$850.00} i have already paid {$1200.00} This is robbery as well as unfair business. I need assistance ASAP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-14
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX XXXX & i had deposited my unemployment check which was {$2200.00} with Huntington Bank. I opened my account on XX/XX/XXXX which naturally there was a hold place due to new accounts but the date for my funds to be released changed 3 times from XX/XX/XXXX to XX/XX/XXXX then XX/XX/XXXX which i received a letter stating it will be available for withdrawal on that date but now im being told that they will get back to me when XX/XX/XXXX will be the 5th business day. I also have other family members that has had a hold on their account for 1 month to 3 months with the same state treasury checks. Ppl need to pay bills and this bank is being ridiculous. I have never had a bank account before so my daughter tried to help me so we have a joint account so there is nothing but issue on top of issue

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.XXXX XXXX XXXX XXXX Balance : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 without 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 XXXX 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2016-12-05
Company: Automated Collection Services, Inc.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Dear Sir/Madam : I continuously receive threatening letters of garnishment from ACSI - XXXX although I provided them with sufficient documentation that my average monthly debt exceeds my disposable income. Since I did not provide receipts for Food, Clothing, and Misc., they credited me {$120.00} per month. I am a family of XXXX. It is unreasonable to think a family of XXXX could survive off of {$120.00} per month for food, clothing, and misc. items. Today, I provided them with receipts for the month of XXXX and asked that they reconsider their decision. I also made an offer for a payment plan of {$50.00} per month. Having XXXX dependents, It would be extreme financial hardship to have 15 % of my pay garnished. 
Thank you for taking the time to look into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
The complaint described herein is centered towards Citibank not advising of ATM fees at the point of transaction, and not necessarily about the fees themselves per se. 
Citibank uses their ATM terminals at many, if not all, XXXX convenience stores in this area. The ATM is clearly marked as " Citibank '' and is furtherly recognizable as such by their corporate logo. Citibank also co-markets actively with the XXXX XXXX XXXX XXXX XXXX XXXX, of which this writer has been member of since 2009. 
On many occasions, I 've used my XXXX card at the Citibank ATM terminals at various XXXX stores. Never, not even once, did the Citibank ATM prompt a warning about fees incurred by use of an XXXX card at their terminal, which reasonably leads one to assume that there are no fees. 
I believe this a deliberate act, a deceit by omission. For example, when I tried my XXXX and XXXX cards, the Citibank terminal display will promptly, and quite correctly, apprise me of the imminent usage fees incurred by both Citibank and the card issuer, at which point I 've always declined. 
In all, I 've been relieved of approximately {$50.00} ( {$2.00} withdrawal and {$.00} inquiry fee ) in unsuspected fees in just the last month. My investigation is ongoing back to when I joined XXXX in 2009, which may be more or less that stated amount, but it 's entirely plausible that I 've lost approx. $ XXXX {$700.00} dollars a year for the last 7 years that I 've been a member of XXXX , which I only discovered serendipitously while checking my account relating to another matter. If warranted, I 'd like to be remunerated for these fees entirely as well as punitive damages. 
Moreover, there are potentially hundreds, if not thousands, of XXXX employees that are unaware of such fees. Citibank certainly is n't saying anything. Moreover, I would n't be surprised if the XXXX, and even XXXX, are complicit in this matter. It 'll be interesting to see where this investigation goes. 

After all, XXXX XXXX started out as " nothing '' ...

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 2022-01-31
Company: EQUIFAX, INC.
State: MO
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 without any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  XXXX daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I disputed an creditor for the incorrect amount they reported to TransUnion credit bureau. They said if I had document to show they were incorrect send them and they will review them. After they ( TransUnion ) got the document they still allowed the FALSE information??? I have called XXXX times to get the creditor deleted. The other bureau DID REMOVE the same creditor from my file??? I need HELP?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The following accounts listed on both my XXXX and TransUnion credit reports are in violation of my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Original Creditor ) XXXX XXXX XXXX The following inquiries are also a violation TRANSUNION  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX TRANSUNION XXXX IN XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX this one has a ludicrous amount of dates ) TRANSUNION XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXXTRANSUNION XXXX XX/XX/XXXX XXXX via XXXX ( too many dates to be anything but fraud ) XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX There are a number of other inquiries on my credit reports and I kindly ask that they all be removed as the majority of them are fraudulent and in violation of the following laws...

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 Upon completion of this I would like to have an updated credit report mailed to the address on file. Thank you for your time and consideration.

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 2022-07-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I forwarded a letter to the Experian Credit Bureau dated XX/XX/2022 to delete this suspicious information. I think you have not validated this account in agreement with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2016-01-05
Company: LoanCare, LLC
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been calling this LoanCare company since XXXX XXXX trying to find out when my property tax check would be cut from my escrow and whom they would be sending the check to. There is plenty of money to cover my property taxes, yet no one after XXXX calls can give me an answer where the money is and why it has n't been paid. I have spent numerous hours on hold to get absolutely no where.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: Experian Information Solutions 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 without any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

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 2022-01-31
Company: Comerica
State: NJ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I signed up for Direct Express XXXX sent my first card to XXXX PA where someone XXXX XXXX and used my entire XXXX benefits at different locations in Pennsylvania I never go XXXX XXXX PA and I never lived there, I live in XXXX NJ when I didn't recieve my card by XX/XX/2022 the day my XXXX payment of {$2100.00} was deposited on the card j called them everyday filing a fraud report with them which I just got the denial letter today XX/XX/2022 im on alot of XXXX due to XXXX problems, XXXX and other medical history I need that money for medication food and bills now I have nothing please help this place is a fraud

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-31
Company: EQUIFAX, INC.
State: IL
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:
to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation