BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-24
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
My Huntington Bank standby cash account was disabled under constantly-shifting terms. 

I met the stated requirements to access my standby cash/credit line, per multiple official correspondences from Huntington Bank . It took 4 employees almost 2 hours to discover that a term of service had shifted regarding recency of overdraft charges and standby cash. It took a team of 4 employees to figure out a service term had changed. They work there and couldn't figure it out - How is a consumer expected to be informed? 

The result is that I am not able to access my own credit line, but they still collect interest on my balance. 

Timeline of my attempts to remedy the problem with Huntington directly : XX/XX/2021 - XXXX XXXX I was transferred via customer service phone line to XXXX XXXX, customer service supervisor. XXXX XXXX read me a Terms-Of-Service document about interest accrual, then said I didn't pay my standby cash balance. 

I have proof I did. She put me back on hold " to do research. '' I stated repeatedly that I only wanted to use the standby cash I was told I have access to. 

XXXX said that none of the information I presented her with was true ( this was a lie, I would later find ). 


XX/XX/2021 - XXXXXXXX XXXX On XXXX, XXXX DM 'd a complaint to Huntington Bank. XXXX, their service rep, referred me to a private secure chat line with Huntington Bank. 


XX/XX/2021 - XXXX XXXX  A customer service rep, XXXX, finally informed me that a new term of service disabled my standby cash for at least a few business days. I asked if there was any way to override this new term and was told no. I pointed out that they would continue to accrue interest on my remaining balance while refusing me access to my own credit line. XXXX apologized and offered no remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: Stuart-Lippman and Associates, Inc
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Stuart-Lippman and Associates first attempted to contact me on XXXX XXXX, XXXX by phone. They left me a voicemail stating they were a claims collector and that they needed me to call the regarding a claim. 

This call was followed up by an undated letter that was received on XXXX XXXX, XXXX stating that I had XXXX  days to respond and dispute the validity of the debt. I responded by certified letter mailed on XXXX XXXX, XXXX disputing the debt and requesting verification. This letter was signed for as received by XXXX XXXX on XXXX XXXX, XXXX. 

Stuart-Lippman and Associates sent me another letter on XXXX XXXX, XXXX stating that they had previously contacted me, but did not verify the debt in their letter. 

I have since received XXXX additional calls, the first on XXXX XXXX, XXXX and the second on XXXX XXXX, XXXX. Today, I received a letter dated XXXX XXXX, XXXX stating that Stuart-Lippman and Associates wanted to allow me to " satisfy this claim on a voluntary basis '' and that if I did not pay within XXXX  days of receipt that it would " result in increased collection efforts '' and that I should " govern '' my " actions wisely. '' I perceive this to be a threat to sue me or damage my credit illegally, especially because I followed the law and disputed the alleged debt within the legally prescribed number of days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
What happened? the credit bureaus has updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. the credit bureaus has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. The credit bureaus failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. If the following accounts and inquiries are not deleted immediately from credit profile. PLEASE IMMEDIATLELY PERMANENETLY DELETE THE FOLOWING ACCOUNTS AND INQUIRIES FROM MY CREDIT PROFILE UNDER THE FCRA SECTION 609, SECTION 605B, SECTION 611, AND FCDPA SECTION 809 I want the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: Rent Recover, LLC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Rent Recover XXXX, LLC posted a collection item on my credit report. I called to inquire about the item and a representative XXXX were extremely rude and disrespectful and insulted me several times. I told her the information she had was wrong and that I would email her an up to date contract that shows I do not owe anything. She refused to accept the notarized contract and called me unintelligent enough to understand. She also refused to allow me to speak with her supervisor before hanging up on me. I have no responsibility to this debt as the real lease agreement was broken by the property owner. I have pictures that show there was no property damage and the real lease agreement is public record filed with the XXXX XXXX XXXX XXXX XXXX under the property address XXXX XXXX XXXX XXXX XXXX IL. Rent Recover refused to acknowledge the real lease agreement and insulted me numerous time. They never sent a notice about this debt before posting it to my credit report. There communication tactics are horrible. They make false statements and never accept real documents. XXXX should be fired and Rent Recover should be closed down.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Bay View loan bought my loan From XXXX on XXXX 2015. 
I had automatic payment. Bay view services includes an extra charge of {$300.00} every month ( no reason ) they told me screw for taxes and insurance. I provided with all the insurances policies posibles ( I pay extra XXXX year for it ) my taxes ( those were included on the mortgage. 

They are scan..stealing my money.. I do n't know what to do. 

XXXX XXXX XXXX XXXXprorperty address:XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: ONLINE Information Services, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The written notification of the debt from Online Information Services says that you can dispute this debt electronically at www.online is.com. When I went to dispute that debt electronically and filled out their form, it repeatedly said there was an error and to call the number listed. I tried to dispute this debt 4 times on different days, times and computers and got the same message each time. When I finally did call the company ( they now have my phone number because I called them and they have caller if- which they didnt have previously ) it connected me with a debt collector. This is clearly misleading and a scam to get you to talk to them directly. ( Which I saw through right away ). Also, the website that I logged into said that the date of service for this debt was XX/XX/2018 but the debt collector gave me a different date. And she did not have a copy of the letter that they sent me about the debt. The information they had on file was different from the information they sent me in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: SYNCHRONY FINANCIAL
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XXXX XXXX, I was preparing the financial portion on paypal for a recent sale I had made. I received a invitation from paypal credit to apply for a credit line and receive a {$20.00} dollar discount on my next purchase. I applied and was approved for a {$2500.00} dollars. ( See Attached # 4 ).  On XX/XX/XXXX, I used the discount on an XXXX  purchase. ( See Attached # XXXX ) On XX/XX/XXXX, I attempted to make a purchase on XXXX, ( See Attached # 1 ) The seller accepted paypal credit so I assumed I would have to apply via the XXXX purchase page. ( See Attached # 2 ) I immediately realized the credit approval was already there. ( See Attached # 3 )  Unfortunately, the purchase was denied. I don't understand why the purchase was denied. Why would paypal go to the trouble of inviting me to apply for credit, reporting the new account to the credit bureau, XXXX See Attached # 5 ), give me a {$20.00} dollar discount on my next qualified purchase and approve me for a {$2500.00} dollar credit line and not be able to use it? I can't seem to get an answer from paypal. In fact, there are many pages of complaints on their website dating back from XX/XX/XXXX and none of them give a fair explanation. I thought the reason paypal was not answering my request for help was because of the recent developments with COVID-19, but after reading all the complaints on their website help section, I come to realize they have known about this problem for some time.

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 2017-05-23
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Greetings, I 'm a payee for my son  XXXX   XXXX , who was incarerated sometime in  XXXX   2017 . When I learned of his incarceration immediately contacted  the SSI offic e and requested his check for  XXXX   XXXX   2017  be stopped. I learned on  XXXX / XXXX / 17  that the checked was issued. I never received these funds. I immediately went to th e SSI. And asked why did n't the rep stop the check like I requested, she had enough time to stop the check, Ssi  was very evasive, so I contacted  Direct Express  and spoke with  XXXX  employee number  XXXX , she could not answers my questions either, so I was transferred to le vel 2  and spoke with  XXXX ,  XXXX ,  XXXX ,  XXXX . Neither of these people could or would not give me an address where the transaction for  XXXX  took place. I need to know an address where someone went at  XXXX   XXXX  and took money out of this ATM. I need to get to the bottom of this. So those responsible will be held accountable for theft. I would like a through investigattion into who took this money out of this ATM, and the location, th e Ssi is  trying to hold me Responsible for something I did not do. I will be filling a police report regarding this matter.   I am very up set. I asked the reps from Direct Express who regulates them! They would not disclose this information to me. I found that very upsetting. I want those responsible for take that money held to answer, and that money returned to t he SSI loc ated at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  CA  XXXX . I 'm very saddened by this situation, that someone would take advantage of my son being in jail and steal the money. When it should have been sent ba ck to SSI. Tha t was my sole purpose of contacting them so the check could be stopped. Please help me resolve this urgent matter.   Sincerely,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: Shellpoint Partners, LLC
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
To whom it may concern : on XXXX XXXX we refinanced our house with new penn financial, shellpoint became the mortgage servicing, on XXXX XXXX they claimed they paid {$7000.00} on XXXX insurance, why? I do not know they have not given an answer. Our insurance premium is about {$150.00} a month, we had only been 12 months with this company there is no way we owe that amount. Our escrow got short now our payment went up {$500.00}, since we only pay whatever we agreed, we keep receiving letters of default and we are loosing our house. I have been fighting this company for seven months calling them every week in up to today I have not got a decent answer. We have never missed a single payment, this is very extresful situation and obviously they do n't care on fixing this problem. Thank you for your time I hope I can get some kind of help resolving this matter.

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 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : US DEPT ED/ {$1300.00} / XX/XX/2022 US DEPT ED/ {$750.00} / XX/XX/2022 US DEPT ED/ {$3900.00} / XX/XX/2022 US DEPT ED/ {$2300.00} / XX/XX/2022 US DEPT ED/ {$3900.00} / XX/XX/2022 US DEPT ED/ {$1200.00} / XX/XX/2022

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 2022-04-13
Company: Incomm Holdings Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I bought a {$40.00} gift card with Vanilla Visa gift card. For my daughter 's up coming wedding. I bought it in XX/XX/2022. I try to check it yesterday and it wouldn't take my card number. So I left it til I could get it fixed, I went online, this time my number worked. Said I had a charge yesterday to a XXXX? Of XXXX leaving XXXX cents on my balance. It took me forever to get a hold of anyone to see what happened. I was told that it would take about 90 days for an investigation for fraud. I want this company to be reported for fraud. I believe it is on their side. I believe that they think that the amount of time it takes to refund the money if it proves fraudulent takes too long to get the refund back, customers will just let it go. I feel my card was compromised by the Vanilla gift card company because there are Several articles that have the very same thing with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
GULF COAST COLLECTION BUREAU, ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you GULF COAST COLLECTION BUREAU, or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : GULF COAST COLLECTION BUREAU, or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: Receivables Outsourcing, Inc.
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently received a copy of my credit reports and noticed some erroneous items on my credit reports. Receivables Outsourcing is handling the collection of these accounts. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Receivables Outsourcing and me which entitles them to enforce a commercial claim against me. This is not a request for verification or validation. This is a request for strict proof of contract to substantiate their claim. Provide me with a certified copy of an original contract with my signature, specifically naming Receivables Outsourcing being entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
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: Public record information inaccurate

Complaint:
I got a car loan from XXXX XXXX XXXX some time back XXXX and the truck was not making any profits and I returned the truck to the seller. 
I had a financial settlement with XXXX XXXX XXXX, the settlement was paid but they never cleared my name from the Credit report since XXXX. 
Apparently out of business and can not be traced.

Kindly help me fix this issue.

May I have an investigation report about my current credit status. 
Thank you

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 2022-04-13
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : US DEPT ED/ {$1300.00} / XX/XX/2022 US DEPT ED/ {$750.00} / XX/XX/2022 US DEPT ED/ {$3900.00} / XX/XX/2022 US DEPT ED/ {$2300.00} / XX/XX/2022 US DEPT ED/ {$3900.00} / XX/XX/2022 US DEPT ED/ {$1200.00} / XX/XX/2022

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 2022-08-25
Company: T.S. Holdings
State: UT
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:
XXXX : IQ Data International harassed my mother in law for my information XXXX : I contacted IQ Data International and the collector lied and said if I put a card on file it would buy me time to make the payment. I was never provided written information regarding this debt and was never informed about a dispute process. I did inform the agent I was unemployed at the time but was starting a new job in 2 weeks. 
XXXX : Called to set up payment for a week later than previous discussed and was told I could not due that after being told I could set up a different payment arrangement with my husband. Asked to cancel the payment and was denied. Asked to speak to the manager. XXXX, the manager, threatened to call my husbands employer and garnish all his wages. He used foul and threaten language when I attempted to schedule a full payment. Called me incompetent and hung up on me.

Company response to consumer: Closed with monetary relief