BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-26
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023 I visited a XXXX  store and received a receipt of confirmation that all equipment has been returned and there is no outstanding debt.

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 2024-01-26
Company: Albert Corporation
State: MA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I reached out to Alberts as soon as I saw the charge. They informed me it was a for a genius subscription that I had cancelled on XX/XX/2024. I have gone around in circles with them because they did not cancel the subscription as I asked to do and instead took out money from my account for an investment account and then charged me the fee. This was done via text so they have the history of my conversation. I asked their representatives to make sure there wasnt any other susbscription or that no other monies would be taken from my account and they informed me that I was all set. 

Today, they wont even acknowledge that the transaction was unauthorized or that their representative gave me incorrect info. I spent an hour trying to resolve this and they keep going around in circles. They escalated the issue twice and I still did not receive the requested refund. Instead I had to write back and ask for a status. What I got was that they would close the account but it would take up to 14 days to resolve it. This company is using unfair and deceptive tactics. They lure you in and its an advance and then con you into setting up all these accounts. The worst part is that even after you cancel the services, they go ahead set up the investment account so they could charge you the XXXX for the investment subscription.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Citibank credit card as today Send me statments in XXXX. 
I have paid both credit cards I full. For my surprise they send a new charges for XXXX with the insterest charges from the previous balante that was paid in full according with their bank statement send to me. 

XXXX XXXX : Due date of XX/XX/XXXX of {$7600.00} Paid on XX/XX/XXXX in total. 
Interested on XX/XX/XXXX {$100.00}

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 monetary relief
Consumer complaint received 2024-01-31
Company: BROKER SOLUTIONS, INC.
State: FL
Product: Mortgage
Sub-product: USDA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
We have tried to work with New American Funding for home retention assistance on our Mortgage XXXX # XXXX numerous times since the default on XX/XX/2023, to avoid foreclosure. However, each time the file is canceled due to information not submitted even though there is proof the documents were submitted each time and by the due date. We are currently working with a HUD approved Housing Counseling agency, XXXX XXXX XXXX XXXX XXXX at this time for assistance. New American Funding is doing the same thing to XXXX XXXX XXXX XXXX even though ALL documents have been submitted in a timely manner. During the process, New American Funding filed for foreclosure on our home in XX/XX/2023, under XXXX XXXX XXXX case # XXXX in the middle of us trying to work out assistance. As it stands right now, a response to the summons ( attached ) was submitted yesterday through mail to the court and New American 's attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-02-01
Company: Mr. Cooper Group Inc.
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/year> I filed a Petition for Bankruptcy in the XXXX XXXX XXXX New York. On XX/XX/year> the discharge of indebtedness was granted. At that time the mortgage debt was discharged. Since 2021 I have received 100 's of communications from Mr. Cooper. Mr. Cooper still states there communications are an attempt to collect a debt. This is in violation of TCPA the The Fair Debt Collections Practices Act. I have asked Mr. Cooper to discontinue the contact on a number of occasions, and Mr. Cooper continues to attempt to collect a debt from me. I do not owe this debt.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Citibank Claim # XXXX In XXXX of 2023 fraud was committed on my Citibank checking account and my account was compromised. Individuals were able to sign me up for 'Wire transfer services " and made a withdrawal of my funds. I received a phone call from Citibank Fraud unit asking me if i made those transactions and i clearly told them no, i also received emails from Citibank regarding the transactions and i replied to the emails stating that i did not make or approved those transactions. I tried numerous times to resolve the matter for a few months now, over the phone and in person at my local branch. The managers at my local branch tried the best they can but they can't seem to get an answer either. My account that was compromised has been locked and the only way I can see an update on the case in to go in person to my local branch and have the manager log into my account. This should've been resolved months ago and Citibank is not doing their part for a customer like myself who has been a client for over 40 years, this has caused a lot of inconvenience as well as pain and suffering. To ad insult to injury, I was advised to open up a new checking account so when the matter gets resolved when my funds are returned they can go into my new checking account, however I receive calls every morning from a similar number as the fraud unit only to collect on Overdraft fees since the new account i was forced to open has XXXX funds in it.

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 2024-01-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with The Fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 
I told the XXXX XXXX XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX : Account # XXXX : Account name : XXXX XXXX XXXX XXXX : Account # XXXX : Account name : XXXX XXXX XXXX XXXX : Account # XXXX : Account name : XXXX XXXX XXXX XXXX : Account # XXXX : Account name : WELLS FARGO : Account # 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 2024-01-24
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
A purchase made on XX/XX/year> for {$1700.00} had deferred interest for XXXX XXXX with an APR of XXXX XXXX. I was just charged {$650.00} in interest charges claiming it is the deferred interest. That math does not add up. I will never shop with XXXX XXXX or use XXXX credit. I need your help investigating this.

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 2024-01-24
Company: The CMI Group, Inc.
State: GA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I am inquiring about the credit account that the accounts that you purchased. I did not give any consent to have my account bought by anyone. 

This is illegal for you to purchase the account and then try to come after me for the amount. 

Are you familiar with something called U.S.C. Sec ( a )? I heard if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not XXXX XXXX  right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this XXXX  said you have XXXX XXXX to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. {$240.00} Open balance XXXX XXXX XXXX Original creditor

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30
Company: WELLS FARGO & COMPANY
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I had an auto loan through Wells Fargo who is issuing settlements to customers they had problems with loans with. Im strictly seeing if I qualify my truck was paid off a couple years ago.

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 2024-01-16
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
CREDIT ACCEPTANCE CORP this company place a late payment on my credit file doing the The Covid 19 season when i paid the bill but my job had laid me off for XXXX  months because of covid

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 2024-01-08
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company Submitted a loan in my name to Service Finance Company LLC I informed them.

1.That is not my name or Signature 2 . I did not approve of any loan and I would like to Contest it but they still call me and request to pay and continue to tell the Credit agencies I refuse to pay.

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 2024-01-16
Company: CREDIT ACCEPTANCE CORPORATION
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Loan opened without my consent or knowledge

Complaint:
I was trick into getting a car that was trash the dealer and the bank wasnt being honest with me there was even a A DOOR LATCH WITH A BROKEN PAWL that could have kill me especially on the highway if you doing business with a dealership you got ta make sure their car are actually good I return the car back to the dealer and the deal was supposed to be canceled which never happened then Amount went from {$9900.00} to & 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 2024-01-18
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Dear Consumer Financial Protection Bureau, I hope this message enacts change. I am writing to express my profound disappointment and seek redress for an incredibly distressing experience with Synchrony Bank, the issuer of my Sam 's Club credit card. 

As a loyal customer since 2002, with a flawless payment record and consistent respect for customer service representatives, I find it disheartening to recount the recent events that have unfolded. Despite multiple requests for information, I have received no satisfactory answers, and my attempts to resolve issues have been met with silence. 

A particularly harrowing incident occurred recently when I found myself stranded in XXXX weather due to my card being declined. Despite years of loyalty, impeccable payment history, and thorough verification processes, I faced humiliation in front of family and friends. This incident not only caused severe emotional distress but also led to health complications that now jeopardize my ability to attend a crucial business meeting, potentially resulting in substantial financial losses. 

I have diligently provided requested documentation, taken videos, and answered personal history questions to verify my identity, yet the issues persist. The decline of my card, especially after 22 years of unwavering loyalty, zero missed payments, and successful verifications, raises serious concerns about the functionality of Synchrony Bank 's system. 

Considering the profound impact on my well-being and potential financial losses, I am seeking damages upwards of {$50000.00}. This amount reflects the physical and mental toll, embarrassment, and potential financial repercussions caused by the failure of the card, which, after decades of faithful patronage, has left me physically and mentally scarred. 

I implore you to investigate this matter thoroughly and assess whether the current system is indeed working as intended. The discrepancy between my consistent history and the sudden decline of my card raises questions about the effectiveness of Synchrony Bank 's procedures. 

I appreciate your prompt attention to this urgent matter and look forward to a swift resolution that addresses the damages incurred due to this distressing ordeal. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Synchrony XXXX Fleet Rewards Credit Company states their policy is to credit accounts accordingly for any payment made by midnight of the due date. The latest of THREE occurrences, all with similar timing, is : My credit union shows the electronic payment I scheduled for the due date of XX/XX/2024 as being sent to the credit card company on XX/XX/2024. The credit card company sent a bill for XXXX with late fees and interest because they say that payment from XXXX was made/processed on XX/XX/2024, a day AFTER the due date and 2 days after my bank account shows the payment as being made. I have called the credit union and they confirm that the dates shown on the account are the exact date e-payments are sent. Other payees paid by my credit union are showing e-payments made on the date that the credit union shows the e-payments as being processed. So I am VERY confident that this issue is with the Synchrony company not processing payments on time vs my credit union being late. Synchrony has removed the late fees and interest payments for these 3 incidents after calls and complaints were made. Their recommendation is to make payments earlier to avoid late fess and interest charges. I believe these incidents show fraud on the part of the Synchrony company with these junk fee charges. They are not following their written policy and are systematically posting electronic payments 24-48 hours later than when payment is sent, then charging late fees and interest to users.

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 2024-01-30
Company: U.S. BANCORP
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
A bought a used vehicle in XX/XX/XXXX from the dealership Quality XXXX XXXX in XXXX, NM when my then current vehicle started to have mechanical problems. The loan was originally through XXXX XXXX and then was transferred to US Bank on the same date. I re-financed the vehicle through Auto Approve in XX/XX/XXXX and the new loan is now with XXXX XXXX XXXX. I received a check from US Bank for an overpayment on XX/XX/XXXX. The dealership sent two checks to US Bank, one for XXXX made out to US Bank and one made out to XXXX XXXX for XXXX to the same address. 
On XX/XX/XXXX the payoff for the vehicle was processed through US Bank and I received an additional refund check for XXXX XXXX and another check for Credit XXXX totaling XXXX. I have never received the other check for XXXX. I spoke with Auto Approve and the dealership and received copies of the two checks. I also called US Bank several times before and after I received the checks and they always state that they don't know anything about the other check. I called XXXX XXXX and was told that they are a division of US Bank. I was also told at this time that they could not speak with me because I am a customer/consumer and that someone from the bank or the dealership would have to call them. I also spoke with the dealership and was told that they are waiting on a response from the XXXX XXXX. I feel that I have been more than patient as I have been waiting since last year. I don't understand how no one seems to know anything about this check.

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 2024-01-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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 an account without my written instructions. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2024-01-19
Company: Credit Control, LLC
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted via text beginning XX/XX/year>XXXX  and then again XX/XX/year> from a company unknown to me. The second text had XXXX XXXX XXXX Companys name attached to it. ( See evidence attached ). 

A complaint has been sent to CFPB regarding Nissans involvement and this is a separate complaint regarding this company, unknown to me, attempting to collect an alleged debt. 

I did not respond to the texts as I thought they may be a phishing scam. 

Credit Control debt collector is trespassing on my mark, XXXX XXXX XXXX  XXXX ( see attached Certified Copy of Registration dated XX/XX/year>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 2024-01-20
Company: SUNRISE CREDIT SERVICES, INC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
See attached document. I have no knowledge of this debt there are numerous phone number and different XXXX XXXX accounts where I spoke to the supervisor XXXX and she confirmed and more than likely fradulantn and the emailed that I have no knowledge of this account and she explained who it was from and agreed with me that they have this in collections and is a charge off and had inaccurate information and is a violation of the FCRA

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 2024-01-25
Company: TrueAccord Corp.
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Today XX/XX/2024, I'm reaching out to the CFPB regarding an email I received about an account. I was contacted by " XXXX XXXX '' via email, stating I owe {$690.00} to " XXXX XXXX XXXX XXXX XXXX. '' This account, originating from a XXXX charge 11 years ago, should no longer impact my present or future, and I shouldn't be contacted about it after such a long period by the company or any third party representing them.

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