BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-02-08
Company: TRUSTMARK CORPORATION
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
The mortgage servicer of my mortgage received funds from the Federal Homeowner assistance program to reinstate my mortgage loan on my house XX/XX/XXXX. Received Letter Trustmark on their letterhead stating that I was approved for 3-month trial period plan XXXX XXXX. 1st payment XX/XX/XXXX was told to make payment by XXXX XXXX. I went to Trustmark Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to pay 1st trial payment for XXXX XXXX, XXXX. Trustmark Bank teller refused to take my payment she said her computer showed payment to be {$1500.00} she was rude began to argue with me. She told me her computer showed the mortgage payment was for a different amount from amount I was paying she could not accept my payment. Returned Trustmark Bank with Trustmark letter showing the trial amount was {$1400.00} XX/XX/XXXX, I was allowed to make the payment. Trustmark Bank has canceled my trial modification because they say I broke the promise didn't receive payment before XX/XX/XXXX I wasn't allowed to make payment. Resubmitted request for mortgage assistance with financials explanation for the payment they received. Received call from XXXX XX/XX/XXXX Trustmark bank collections she was rude, unwilling to assist me with saving my home from foreclosure.

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 2024-01-27
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My business wrote a check {$1300.00} to a supplier of ours .After a time passed, supplier notified us they never received check. we received statement showing check was cashed by our bank, but signature on back was fraudulent. We filed a claim with bank but they say we missed their deadline by several days.

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 2024-01-29
Company: Veem  Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I had a terrible experience with the customer service and found the platform unreliable. I faced issues with every transaction : first, I couldn't send an invoice, and second, my money {$320.00} USD - XXXX XXXX, XXXX didn't reflect in the account despite it showing as completed and deposited. I communicated with XXXX via email, but her responses were unclear. Additionally, the advertised 24/7 support is misleading. Their chat kept saying that support is not available during weekend even when obviously its weekdays and their hotline is just bot.

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 2024-01-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2023 I received a text from Wells Fargo, your debit card was declined for insufficient found, when I checked my account was XXXX when I had XXXX. Immediately called to the bank the person said effectively your card was denied for a transaction on line for XXXX and for (???? ) for XXXX, I said, I did not recognize those transactions neither the XXXX using XXXX XXXX, the fraud dep. said they received documents from XXXX that I authorized that transaction, ( letter from the bank ) the bank gave XXXX credit to my account now they send another letter that they are going to colecte the XXXXfrom my account. I do not know what to do, they made the decision, I have called them many times but they dont listen, In the last XXXX months I have change my debit card like XXXX or XXXX times for the same reason, almost never have money on my account because this happened, last week some body tried to pay XXXX in on line store, once again the card was declined, please need some help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-01
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX provided a copy of my credit report to multiple companies without my authorization : -CBNA  on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXXXXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX As such XXXX it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights 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 2024-02-03
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Synchrony Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Discrepancies in Reporting of Charged-Off Account on Credit Report RE : XXXX XXXX  XXXX Dear Synchrony Financial Bank, I hope this letter finds you well. I am writing to address certain discrepancies I've observed in the reporting of a charged-off account referenced above on my credit report. After reviewing the information outlined in the " Synchrony Credit Card Master Note Trust prospectus, '' specifically regarding the charging-off and subsequent sale of receivables, it appears there may be inaccuracies in the reporting for my specific account. 

As per the prospectus, accounts are charged off as aged credit losses after 180 days of being past due, and these charge-offs are executed on various cycle dates during each Monthly Period. The receivables are then sold, and the purchase price is determined based on the recoveries from previously charged-off accounts for the same Monthly Period. Subsequently, on the last day of the Monthly Period in which a receivable is charged off, it should no longer be shown as an amount payable on the trust 's records. 

However, my credit report continues to reflect a balance on the charged-off account, which appears inconsistent with the procedures outlined in the prospectus. I kindly request your assistance in investigating this matter and correcting any inaccuracies in the reporting of my charged-off account to align with the procedures detailed in the " Synchrony Credit Card Master Note Trust prospectus. '' This act is shameful it has caused severe hardship to my reputation, my character, my mode of living and to my family! So it is crucial to ensure that my credit report accurately reflects the status of this charged-off account based on the prospectus guidelines. Please provide a detailed response within the next 30 days, explaining any actions taken to rectify the reporting discrepancies. 

Please be advised that a failure to resolve this matter promptly will be considered a breach of your 424B5 prospectus filing with the U.S. Securities and Exchange Commission ( SEC ) and a violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681s-2 and it will be reported. 

I expect a detailed response within the next 30 days, explaining any actions taken to rectify the reporting discrepancies. If additional information or documentation is required from my end, please let me know promptly. 

I appreciate your immediate attention to this matter and your commitment to ensuring the accuracy of credit reporting information. Thank you for your assistance in resolving this issue. 

Sincerely, 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 2024-01-30
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
After checking my credit report I am writing to bring to your attention a concerning issue I have been facing with my credit report. I have consistently requested the removal of unauthorized hard inquiries, which I have noticed on my credit report without any prior knowledge or approval. Despite sending letters to all three major credit bureaus, I am uncertain about the effectiveness of my efforts, as these unauthorized inquiries persist on my credit report. Given the impact of such inquiries on my creditworthiness, I kindly request your assistance in investigating and resolving this matter. I appreciate your prompt attention to this issue and look forward to your guidance on how to rectify and prevent these unauthorized hard inquiries from negatively affecting my credit profile. dditionally, I have encountered another issue with a specific company that continues to report information on my credit report even after I have formally requested them to remove it. Despite my efforts and correspondence with the company, they have not taken the necessary steps to rectify the erroneous reporting. Given the significant implications of these issues on my financial standing, I kindly request your urgent assistance in investigating and resolving both matters. Your intervention and guidance on how to rectify and prevent these unauthorized hard inquiries and erroneous reporting from affecting my credit profile would be greatly appreciated. Thank you for your prompt attention to these pressing matters, and I look forward to your assistance in resolving these issues. I sent my first letter in XX/XX/ and XXXX additional letters after in regards to not only this issue but many more that is stated in the attached letter. I have requested proof of these accounts with no response XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-26
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Keep getting numerious calls that call either early mornings or late past XXXXXXXX XXXX & letters in the mail with this agency. They have yet to provide proper documentation for proof of agreement with my signature or contractual agreement for CREDIT COLLECTION SERVICE.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02
Company: Tribal Lending Enterprise, Inc.
State: RI
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
So I applied for a payday loan through this company. The problem is their charging an insane 700 % interest on the {$850.00} loan so I'd owe {$4500.00} after all is said and done. They've insulated themselves pretty well claiming they're on tribal land and as such not subject to state laws. I remember seeing an article where your agency went after other similar companies for trying to illegally shield themselves against state usury laws. I'm not sure if the situation is the same here.

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 2024-02-03
Company: U.S. BANCORP
State: MS
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
In XXXX of 2023, I transferred a balance of {$15000.00} to USBank at an advertised interest rate of 0 % for 13 months. I paid a fee of {$590.00} to transfer this balance. In XXXX of 2023, I received my statement that showed a balance of {$17000.00} which included the balance transfer of {$15000.00} plus new purchases of {$1400.00}. I paid {$3300.00} to cover my new purchases plus a portion of the balance transfer. In XXXX of 2024, I received a bill for {$17000.00} which included {$3300.00} in new purchases and a balance of {$13000.00} on the balance transfer, plus {$31.00} in interest. I called and asked why I was being charged interest if I had paid all my new purchases plus a portion of the balance transfer the month before. The representative did not understand why I was changed interest and reversed the charge. I then paid {$4600.00} which covered all my new purchases plus a portion of the transferred balance. In XXXX, I received a statement for {$13000.00} which included {$1100.00} in new charges, {$12000.00} on the balance transfer plus interest of {$58.00}. When I called to ask once again why I was being charged interest, I was told it was because I was continuing to use the card and they were charging interest on new charges made after the statement date but before I make the payment. She told me that I simply didn't understand the terms of the offer. I feel this is a very deceptive practice. I have paid all of the new charges each month as well as extra to reduce the balance transfer. I was not given an option or any indication that I needed to pay more, or a way to apply the payment toward new purchases to avoid interest.

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: TransferWise Ltd
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have my funds in wise account they have blocked my account without any reason and didnt giving me my money back

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 2024-01-30
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Still working on the issue and closed the last complaint without addressing the issue and within seconds of each other, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-01
Company: TrueAccord Corp.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
True Accord continues to call me, text me about a debt which is not mine. The bank is XXXX XXXX which does not belong to me for {$970.00}

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 2024-02-01
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I have been trying to resolve issues with this company since XXXX XXXX and have been treated poorly and nobody was willing to listen to my problem. It started with me switching banks. I contacted Loan Care to stop the payment in one bank and take out of the other. I was informed that it could not be done, it was too close to the payment. They proceeded to take it out twice and both times returned. I then agreed to pay twice in XXXX to bring up to date from new account. I had a deposit from the state of XXXX into my new account. I then was informed this deposit would be held for 10 days due to an ACH glitch, so I informed Loan Care but they continued to take out a payment that was returned. I then paid two payments from on line banking to Loan Care in XXXX. My bank both listed them as processed with a conformation number. I did not think about it again thinking I was current and the issue was resolved. I then get a foreclosure notice that I am 60 days overdue. Loan Care blamed my bank that they never sent the funds. I contacted my bank and they informed me it was sent and for some reason was returned. By now it is the XXXX XXXX and I called and said you already messed my credit and I do not want to be 90 days so take the money now. The rude customer service representative said no I can only pay by certified check. I took off work and ran to the bank and then the post office. I sent it the fastest way possible since on XXXX  it would be 90 days. They did not process until XXXX  so now my credit is ruined. I borrowed money from my pension fund to pay all fees and bring the mortgage current plus some. I used my bill pay feature and XXXX was sent and processed. I now received another call that I owe XXXX. I said once again payments were processed and Loan care did not process them. They put me on hold and said all the payment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  were returned because I can only pay by certified check. Now I have to miss another day of work to go to the bank, when nobody ever notified me of this. I am so angry but when I ask for a supervisor, I am placed on hold so long I hang up.

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 2024-01-30
Company: HYUNDAI CAPITAL AMERICA
State: GA
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:
XXXX is obligated by the FCRA to report accurate accounting. A charge off account from Kia Motors is reporting on my credit report. According to IRS publication Topic no. 431, Canceled debt Is it taxable or not? States : If your debt is forgiven or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay. If you own property securing a debt, cancellation of the debt may occur due to foreclosure, repossession, voluntary transfer of the property to the lender, abandonment of the property, or a mortgage modification. 

In general, if your debt is canceled, forgiven, or discharged for less than the amount owed, the amount of the canceled debt is taxable. 

A charge off is considered income by the IRS and income can not be reported on my credit report. 

Also, according to 15 USC 1681 I have the right to an accurate report across all reporting bureaus. This charge off displays under XXXX  reporting system only.

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 2024-01-28
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/XXXX, I began receiving calls and voicemails from an unknown number stating there was a " personal business alert '' from XXXX and that I should call XXXX XXXX XXXX XXXX to speak with a representative. Due to the cryptic and repetitive nature of these calls and voicemails, I assumed it was a scam attempt and decided to not interact further. 

Then in XX/XX/XXXX, I checked my credit report because I was going to start looking for apartments soon. I saw a significant drop in my XXXX XXXX from XXXX in XX/XX/XXXX to XXXX, where it sits currently in XX/XX/XXXX. I was befuddled, and saw a notice that said there is a presence of a XXXX  public record or collection. I then made the correlation that I began receiving cryptic phone calls and voicemails in XX/XX/XXXX and my credit score began XXXX  in XX/XX/XXXX. 

On XX/XX/XXXX I decided to call the XXXX XXXX XXXX XXXX number given in XXXX 's voicemails and attempt to get to the bottom of this. I then spoke with a XXXX  who told me that XXXX was attempting to collect a {$150.00} rental debt from my previous apartment complex XXXX XXXX. 

I had moved out of XXXX XXXX in XX/XX/XXXX. I then moved into my current apartment in XX/XX/XXXX. When I moved out I did provide XXXX XXXX with a current and valid forwarding address. 

I then told the representative from XXXX that this phone call was the first time I was ever notified that I had a outstanding debt with Fairways XXXX. I also told the representative that I had never received any formal written notice from Fairways XXXX or from XXXX of this rental debt. I told the representative that I provided a valid permanent address to XXXX XXXX. The address I provided them is my permanent address where I have all my important XXXX  sent. 

I then paid XXXX for my outstanding {$150.00} debt, because I wanted a swift resolution to the issue that was severely affecting 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 2024-01-29
Company: EGL US, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Account was discharged through Bankruptcy filing in 2018. Balance is still current and has ballooned up to XXXX from XXXX that I originally owed. I have called, emailed, and sent letters requesting this to be removed and they won't bulge. They are violating the bankrupcty laws and FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation