BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-21
Company: Synovus Bank
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Dear XXXX Staff, We at XXXX XXXX ask you for your assistance and alerting synovus to the behavior of their branch manager at their XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX location. 

The branch managers repeated lying, and failure to keep her promises to their customers is absurd. 

This began a month ago now. First, she opened the account for us and sent the card to the wrong address. 

For the next two weeks we would repeat it we call the XXXX number and the local branch to have the problem fixed. She personally assured us that she would be resending the card expediated free of charge to us. Synovus should be able to pull up the recorded calls confirmijg this. 

Today I drove to that same branch, and spoke to an associate named XXXX XXXX. XXXX XXXX was kind enough to apologize for all that has happened, and told us she would be expediating a new card for us free of charge and would waive this month 's account fee since we have not been able to use the account at all due to the branch manager 's consistent mistakes. 

However, as we were literally driving into our driveway the branch manager calls us up arrogantly saying that we will have to pay for the expediated card. She even admitted without noticing that she had never sent a second card to the right address. Yet demanded we pay for the expediated shipping if we want the card now. 

Those are two clear lies she was caught in. For no other reason than her attitude problem. Her behavior is awful at synovus should be trusting their branches to people like XXXX XXXX, not disrespectful liers such as their current XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On or about XX/XX/2023 I submitted a chargeback request to my bank for items I had on an invoice on XXXX from the year XXXX. The bank told me that they would only give me {$1500.00} back of the {$5400.00} stating that it was out of their timeframe for XXXX. The seller did not send me my items and XXXX is aware. The office of the CEO assured me that they would help me. They did not. They regurgitated information from their fraud department and did nothing to protect me from the seller. The seller live in XXXX. So I am not able to sue them in the American courts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To whom it may concern : The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires all data in a consumer 's file be documented and validated before it can be used by creditors, so I take this seriously! The allegations of delinquency and derogatory behavior against me are false. I will fight back with all my strength! Your report accuracy is crucial. The allegations you are reporting do not meet federal or state requirements for reporting, so they can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what is being said. You are required to maintain and report data with complete accuracy and compliance. You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format, as this is required by law ( FCRA ) as well as reporting standards METRO 2+. However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately, or else there could potentially be serious consequences. I'm giving you 30 days from the date of this letter to resolve this issue, otherwise there could be consequences. I would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. 
Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case. 

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: SANTANDER HOLDINGS USA, INC.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A loan company called Santanda I had in XXXX. The car was totaled in an auto accident and I claim was paid by my insurance company I had at the time. They are reporting that I owe them over {$4000.00} more and report this to the credit bureau that I am still late on payment for all these years. Obviously, its ruining my credit. This is a violation of 15 US Code 1681 ( 5 ), removal of inaccurate invalidated credit information. Please remove this information immediately. Thank you very much. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: American Coradius International LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After canceling my subscription with XXXX in XXXX 2022, they illegally charged {$640.00} towards my XXXX account for renewal due in early XXXX. After discovering that XXXX paid this fee, which sent my account into a negative balance, I contacted both my bank and XXXX about this illegal transaction. XXXX refunded my XXXX account, then I removed all my personal information from the site and never used it after that incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: SERVICEMAC, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, I received a letter from my mortgage servicer, XXXX XXXX, telling me they were transferring servicers ( to ServiceMac/XXXX XXXX XXXX and my loan terms would not change. I am on a fixed rate FHA loan. 

For further context, I have been on a deferment plan since XXXX of XXXX, in which I began making payments again under a reduced amount of {$1200.00} after being unemployed for four months. This process of forbearance began XXXX XXXX. I went under the agreement that the money I owe will go to the back of my FHA loan, and I will not need to repay it until I sell the house or by XXXX, when my mortgage will be paid off. Once this forbearance period ended, I was supposed to go through a review process and determine if I needed this modification to be extended or changed. 

However, when the servicer changed, I began to run into problems. On XX/XX/XXXX, I called to make my reduced payment, but this was not honored by the new servicer. I had to pay the full amount, and they told me they could not find the paperwork I had for this deferment period. They told me a case manager would contact me, but they never did. 

Days later, on XX/XX/XXXX they marked me as delinquent, sent me two solicitation letters on XXXX and XXXX, and reported my mortgage account as CLOSED. This sent my credit score plummeting by almost XXXX points. They also falsely reported late payments and my account says I am 290 days overdue on one letter, 9 payments overdue. I have been paying my mortgage since XX/XX/XXXX. I was also charged a late fee of {$100.00} on my payment -- when these payments have never been late. 

On XX/XX/XXXX, I did get a hold of someone with the payments department, but he was of little help. I have been calling almost every day since the transfer to try to understand what is going on. Otherwise, I am unable to get in touch with the servicer, as they send me straight to an automated message about being too busy to answer the phone, no matter which number I call. I tried calling eight times on XX/XX/XXXX. I also spoke with a HUD counselor to try to interpret the situation, but he was unable to get a hold of them either. 

I want this resolved. My credit score has taken a huge hit after I have been working hard to repay my debts. I finally got it back up since being unemployed... These late payments are FALSE. I can provide records of my payments, my deferment notice, and the delinquency letters I have been receiving from XXXX, if needed. 

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 2023-08-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Aqua Finance, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Took out a loan in XX/XX/XXXX for my XXXX XXXX XXXXXXXX XXXX. When the loan documents were received, it was for Aqua FinanceXXXX XXXX XXXX XXXX Regular on time payments were made to Aqua Finance who reported to all 3 credit bureaus ( XXXX, XXXX, XXXX ). Received a notification in XX/XX/XXXX that my account had been closed, yet a balance is still owed. 

Reached out to Aqua Finance, who stated that XXXX XXXX XXXX took over the loan. In speaking with XXXX, they mentioned of only reporting to XXXX at that time. However there was no communication given from Aqua Finance or XXXX XXXX XXXX that my account was going to be transferred along with only bureau reporting. 

In reviewing my most recent statements, they are coming from Aqua Finance still. 

Reviewed my credit report in detail on XX/XX/XXXX for all three bureaus and XXXX XXXX XXXXAqua Finance is no longer reporting to any bureaus at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: OneMain Finance Corporation
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have been receiving unsolicited, and harrassing phone calls from this company stating that I owe a loan for a person whose name is not mine. They read me my address, phone number, and a FAKE employer threatening to sue me. 

Well, I went to the XXXX XXXX clerk of courts, and there is no such lawsuit that has been filed. They assisted me with finding out this companies name, and address. I mailed a letter asking them to remove this fraud inquiry from my credit, and stop contacting me. 

They are refusing, and I just called XXXX, and they said that I dont have an account with them. This is fraud, harassment, and intimidation to pay something I dont owe The only reason that they cant commit fraud with the other credit companies is because, Ive locked my Credit profile with those places..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: CITIBANK, N.A.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I went to withdraw my last XXXX that was left from my taxes in my account and was told my account was closed this happened on XX/XX/XXXX was told for suspicion of fraud then was told my funds will be mailed to me I didnt do any fraud went in bank to withdraw money few days later fraud alerts its now XX/XX/XXXX and no check I keep being given the run around I have went homeless due for me being due on my rent and that was my money to pay it and yeah i dont know what to do any longer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I can't access online account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: U.S. BANCORP
State: OH
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:
It was discovered that some online casino had taken funds out of my account without any authorization from me. The name of this merchant was luckyland Slots. Apparently they are out of XXXX. 

I filed a dispute and was credited {$250.00} in XXXX back onto to my USBank unemployment card. 

Their website states international transactions are not permitted, and online casinos are illegal in the state of Ohio. 

They issued the provisional credits, however, on XX/XX/XXXX I made a deposit and they took {$250.00} from my deposit. Nobody can tell me anything, or provide any information, other than something was mailed that will be received in 7-10 days.

I never authorized any online casino account, in fact because these are illegal and usbank states they do not permit these transactions I thought this would be simple. However, its becoming extremely frustrating, I cant get anyone to have a call with me. 

I have researched this company and it states there is a XXXX XXXX dollar lawsuit pending.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: CITIBANK, N.A.
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Citibank closed my account on XX/XX/XXXX and sent me the remaining funds in the mail in the amount of {$4900.00} and told me I needed to contact the state of Colorado to reissue tax refund checks, as they did not process these checks. These checks were apparently the reason my account was marked as fraud and closed. However, the state of Colorado contacted me via mail and told me Citibank DID in fact cash my checks. I was able to obtain a bank statement ( which I have requested in the past ) from Citibank, which confirmed they did cash my check, and shows my closing account balance as {$5700.00}. I am missing {$710.00} which Citibank has not refunded me and has kept in their possession since XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Resurgent Capital Services L.P.
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:
Hello I was incarcerated when these accounts were open I have police report to confirm I ask that these things get removed from my credit file immediately as it have cause pain and suffering to my life thank you and god bless

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: NC
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:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX ; XXXX XXXX ;XX/XX/XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXXXXXX XXXX NC XXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX Balance : {$0.00} ; XX/XX/XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX XXXX Balance : {$2600.00} ; XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XX/XX/XXXXXX/XX/XXXX ; XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am refilling this complaint to EQUIFAX for allowing fraudulent inquiries on my credit report and for not corrective actions on these unauthorized inquiries. As I checked my recent credit report, the unauthorized hard inquiries are still reporting on my credit report and no further actions have been taken. I have filed an FTC report again which I included here with report number XXXX for your reference and as proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: Fay Servicing, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am writing concerning missing escrow funds. I had a mortgage with Specialized Loan Servicing that was transferred to Fay Servicing in XXXX of 2022 ( Property Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). 

XXXX XXXX XXXX had a total of XXXX in escrow funds which they sent to Fay Servicing in XXXX separate checks. I have attached their escrow records ( with property address and last XXXX of my loan number on them ). 

Fay Servicing only credited my account for XXXX and did not credit me for the second payment of XXXX. When I called to complain Fay Servicing keep claiming they did not receive the second payment. 

After going back and forth between XXXX XXXX XXXX and Fay Servicing, SXXXX XXXX XXXX  provided with me with proof ( canceled check ) that Fay Servicing did in fact receive the funds ( canceled check attached along with print out of email from XXXX ). 

This has now gone of for months with both companies blaming the other for missing escrow funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
As per the original complaint, XXXX XXXX XXXX XXXX sold me a service using false information and when I attempted to use the warranty a year later, they informed me of the real rules and services.

Except, even under the 'actual ' rules, they failed to provide timely service, with a contractor keeping me hanging for 6 weeks.

I tried to resolve with them; tried to book additional services that they rejected immediately, and ultimately asked for a full refund and a cancelation of my contract.

They refused.

Bank of America did nothing to resolve ; I reached out to the FTC and CSPB, and was assigned XXXX XXXX from BofA to resolve. I just received a letter of denial and was on a call this morning ( XX/XX/17 ) at XXXX ; BofA stated in the letter they did not receive information from me, while on the call the agent told me they had informed me from the start that they could not recover as it was after 90 days. 

If this were true, why did they ask me to work to provide a massive amount of evidence, go through all the steps again, and require me to get an order from the FTC/CSPB to spend these months with 30+ faxes, 11 emails, and 6 not returned phone calls for this matter?

Bank of America is just as guilty of not telling the truth as 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 2023-05-07
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:
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. 

Account names : -XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX  Acct # XXXX -XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX Have 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 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 non-monetary relief