BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-01
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I am unable to open a checking account with any bank as fraud and identity theft has occurred. I have never opened a bank account nor checkings with any bank in the past as Ive been out of the country. Nor has my address ever been XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Florida 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 2022-03-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: NV
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:
Select Portfolio refuse to adhere to bankruptcy laws of United States XXXX XXXX proceeding with XXXX XXXX XXXX XXXX mortgage settlement, in addition to paid off lien over the last 8 years based on court order for lien located at XXXX XXXX XXXX, XXXX XXXX  XXXX. 

Failure to provide CERTIFIED copy of legal right to assert lien or claim against property at XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX under countless Qualified Written Request A refund is NOW due in the amount {$230000.00} due to OVERPAYMENT and illegal collection mortgage does not exist with investor fraud. Does not have court approval or order to make changes to funds received in last eight ( 8 ) years. Reporting debt personal credit ruined credit and maniputate credit history. Fraudulent documents provided by XXXX XXXX XXXX and XXXX XXXX in XXXX Violations of the Real Estate Settlement Procedures Act ( RESPA ), 12 U.S.C. 2601 et seq., HUD Regulation X, 24 C.F.R. Part 3500 ; Improper and unauthorized fees, 11 U.S.C. 506 ; Unapproved fees, Fed. R. Bankr. P. 2016 ; Willful violation discharge injunction violation, under 11 U.S.C. 524. Violations of the Fair Debt Collections Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. Violation of 11 U.S.C. 1129 ( b ) ( 2 ) ( A ) ( i ) ( 1 ), ( I1 ) provides that the creditor has to receive deferred cash payments " totaling at least the allowed amount of [ its ] claim, of a value, as of the effective date of the plan, of at least the value of such holder 's interest in the estate 's interest in such property.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: Capital Management Services, LP
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My credit card was used by an unauthorized user between XX/XX/XXXX-XX/XX/XXXX. I was unaware until I started receiving debt collector calls. When I ask what their protocol is on disputing debt, where I could send complaint or disputes, I was always transferred. I would call XXXX and was told to call XXXX. They could not help. The referred me to XXXX who also could not help and referred me back to the XXXX. I have been able to close the account and just recently gave them my correct address. Credit cards statements are still being sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, which I have NEVER lived at. Whenever I ask whom to contact to dispute the calls, I am referred back to another phone number that tells me to pay a lump sum. Most recent calls were made on XX/XX/XXXX, XX/XX/XXXX No one has been able to address my needs, give me a confirmation number, or a protocol dispute a debt

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 2022-08-12
Company: Experian Information Solutions Inc.
State: GA
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 XXXX XXXX XXXX - ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX  - ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX  - ACCOUNT # XXXX XXXX XXXX- ACCOUNT # XXXX XXXX XXXX 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.

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 2019-04-12
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
on XX/XX/XXXX i contacted XXXX XXXX regarding unauthorized transaction that i had not made. They had no customer representative the time i called before that and instructed i call in the morning. leaving my card vulnerable. i have had a hard time to communicat with them regarding my dispute. i have no business with the merchant who has charged my card for XXXX dollars and an estimate of almost XXXX charges made. XXXX had been notified on the XXXX of XXXX but failed to close my card or issue me a newone. to my knowledge i was under the impression that my card was not useful and i disposed of it. on XX/XX/XXXX and XXXX of 2019 i logged into my account and saw that i had been charged by the same merchant even after i had notified amex about this issue. i called that day and asked why has my money been jeopordized and not taken serious and why i wasnt told that i wouldnt be receiving a replacement or block on my card. that night th representative hung up the call and i was tired just got off work and had no time to call back again. i did call two days later and i went through a confusing process to get to even speak with customer service. they give no option to speak to anyone even when pressing 0 so i choose the stolen card option but only sends me to general customer service agent and i have to explain and be verified just to be told the dispute department is closed and call during business hours. i filed a compaint with the XXXX XXXX XXXX XXXX and was advised to file a rebutta but i received last night on the 45th day a denial until XXXX pm. stating via email i have been rejected fof my dispute and to call customer service for copies. i had requested document statements and i never receivee them. i need help to get this to thr right depsrtment they took almost XXXX estimated dollars that i have been robned for

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Experian Rent Bureau has wrong information and because of that my husband, son, and I were denied a lease to rent a house on XX/XX/19 Our application was submitted on XX/XX/19. In our tenant reports it says that we have an Outstanding balance with XXXX XXXX collections for XXXX XXXX apartments in the amount of {$4200.00}. This account was satisfied and closed and XXXX XXXX collections reported it to be removed This has caused a tremendous hardship on my family. We are scrambling to try to get this corrected so that we can get new housing. XXXX XXXX  is the company that used your company rent bureau and they stated that I need to fill out a dispute form along with a copy of the letter from XXXX XXXX collections showing that the account is satisfied and closed. They stated it is going to take about 30 days to investigate this I dont understand why I can not get this expedited. I need your company rent bureau to delete this in our files. I will fax this dispute info to XXXX tomorrow XX/XX/19 so that you rent bureau can delete this immediately. It should not take 30 days in this day and time it only took your company less than 24 hours to get us denied for the property because of an accurate information on your tenant screening report There are no Repercussions for your company having wrong information and that needs to change

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 2021-04-15
Company: Morgan & Associates, P.C.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had an account with The XXXX XXXX in the past. I XXXX XXXX XXXX and one was being renovated. I was purchasing supplies from various Retailers. XXXX XXXX, XXXX, XXXX, etc were all places we used to get our building materials. It was common for me to be working at one of my other XXXXXXXX XXXX while the construction was being done at a location across town. I had several workers and contractors involved in the project and they would often call and tell me they needed wood, plumbing, electrical. roofing supplies etc to do whatever it was they were working on. If I was not on-site, they would usually drive to wherever I was working, and get my credit card for whatever store they were going to. I had all the accounts for every Big Box Retailer in my town. 

I was always good about watching the spending and had budgeted for all my repairs. When that particular project was done, the account statements started reflecting charges that I did not authorize or receive the materials from the purchases made. 

There were three to four different people that I was able to remember giving the XXXX XXXX XXXX to get supplies. Someone used my account to purchase supplies, tools, goods etc that I did not authorize, or give permission to use my account for. I filed an identity theft complaint with the FTC, A police report, etc. XXXXXXXX XXXX  responded that " Charges were mine. '' and turned the account over to Morgan & Associates, who is now contacting me through the mail and phone trying to collect on the fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: AMERICAN HONDA FINANCE CORP
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 status incorrect

Complaint:
I informed XXXX of an issue in which the individual granted POA abused it by opening numerous accounts and failing to return a vehicle under the XXXX. After speaking with the company and coming to an agreement that upon paying a balance they would remove the negative content since it was caused by someone other than myself. I informed them they failed to retrieve the vehicle over 6 months after being notified by myself that this individual still had it in their possession. I accepted some financial responsibility because I should have trusted someone more responsible. Nevertheless, I made the payment to XXXX and instead of removing the derogatory information, they sent me the attached notice saying the account was settled in full and then reported it to all credit agencies as settled for less than the amount. They went back on their word and because I put my trust in them I was not able to go on my military XXXX and my security clearance remains at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: Fay Servicing, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I divorced on XXXX XXXX XXXX. The divorce court order states I am no longer liable for the mortgage account as of XXXX XXXX XXXX. The XXXX has defaulted on the loan as of XXXX. Bank XXXX XXXX removed the negative report in XXXX after receiving the XXXX documents. XXXX XXXX put the defaulted mortgage balance back on my reports. They to have received the XXXX order stating I am not liable for the mortgage and refuse to remove the negative report. 
I am not liable for the mortgage per the court order thus my credit report should not reflect any record after XXXX XXXX XXXX. Please help clarify this issue respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
TransUnion customer service wouldn't take care of it, I told them I was a victim of fraud and the Inquiries on my credit report were inaccurate and were not mine. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Banks and S & Ls  XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Banks and S & Ls XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX Finance other than personal XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Finance other than personal XXXX XXXX XXXX   XXXX XXXX, DC XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Finance other than personal XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Banks and S & Ls  XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Finance, personal XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX Finance, personal XXXX XXXX  XXXX XXXX, AL XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Finance, personal XXXX XXXX XXXX XXXX XXXX, TX 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 2020-02-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
After running into financial difficulty in XXXX, I tried negotiating with Bank of America. They would not. After speaking with them for months, they told me the only thing I could do to get the interest or payment reduced was to go 6 months and have them charge off the account which they said would be very bad. I did not want to do that but had no choice since they would not except any payment plan or reduce the interest. I accept that and understand that the charge off must appear on my credit report. However, my credit reports are showing 10 charge-offs so far. And they are adding one every month. I reached out to the credit reporting bureaus to point out that there was only one charge off ( which I am slowly paying down ). They investigated and nothing was changed. I have a copy of the report from XXXX  showing 10 charge offs from XX/XX/XXXX to XX/XX/XXXX. There was only one back in XXXX. Please help to get my reports corrected.

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 2021-10-14
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/2021, opened a checking account at the XXXX XXXX XXXX, FL branch with a check made out to me on another SunTrust bank account in the amount of {$25000.00}. I withdrew cash from this account as I was not immediately given a debit card. I withdrew money 2 more times and paid some bills. 

While on vacation, XX/XX/2021 still without a debit card, attempted to make a withdrawal and was advised at the branch in XXXX, GA that I couldn't make any withdrawals, the teller couldn't tell me why, just to call customer service. 

Within the hour, I called the customer service number I was given and was told my account was " in the process '' of being closed. I still wasn't given an explanation as to why. I asked for a supervisor, who also told me the same, just that my account is under investigation. I of course, became furious. I continued to call each day to try to get any information. Still, nothing. 

I went directly to the branch I opened the account and spoke with the branch manager, XXXX ( don't recall last name ) who was very friendly, called her know department and was given the same information. She also advised this was unacceptable. 

Upon my calling daily, I was then connected with a " client advocate '' XXXX XXXX. He also could give no explanation, as with everyone else he said it's under investigation with the " back office ''. 

I again advised of the hardship this is putting me and my family through. I had lost my job due to Covid and my unemployment compensation had ceased. This is all I have to pay bills, put food on the table and other day-to-day necessities. 

This has been of no concern to SunTrust or any person I have spoken with in the SunTrust company, except the local branch manager, XXXX. She even brought me a cake and flowers on XX/XX/2021, as that was my Birthday. 

I was told on XX/XX/2021 that my money was being mailed to me. I couldn't be told HOW this {$23000.00} ( estimated ) was being sent. US Mail? Certified mail? XXXX XXXX? No one knows. 

I find this and every action to be very irresponsible from a Financial Institution as SunTrust is. How no one can tell me where this large sum of being can be located??? Was it simply dropped in the mail by a mailroom clerk? 

I have taken to Social Media and soon discovered that I am not the first or only customer to experience this from SunTrust.

Again, completely irresponsible and unprofessional.

I am and will continue to tell everyone, essentially my teenage children and their friends who may be potential victims of SunTrust in the future. 

Very disappointed customer, 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 2017-12-28
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was denied a VA refinance with Carrington Mortgage, my home is in Michigan and I have a second state residence of Alabama part of the year because I work part of the year in Alabama. The Mortgage company researched my voting registration and says since I 'm registered to vote in Alabama, and researched my adult son and my grandchildren who lives with me and researched my grandchildren school registration in Michigan at my address and denied me. I never heard of such invasion they checked my XXXX and found I was XXXX and on the day of closing came up with all of the above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: FIRST HAWAIIAN, INC.
State: HI
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:
Contacted the bank to report unauthorized charges to the account. Bank refused to do anymore of the investigation to my account for unauthorized charges. Provided detailed information about the issue of the charges and have explained to them about what was happening. They said that the information given on this form was an error and that the charges were made by me. From the bottom of that I was charged additional to my account and it started reoccurring charges on my account. They never called me back for the confusion of this matter instead of saying it was no longer a case to solve this problem then ended my case. Charges was all from XXXX and XXXX. With this situation my credit score decreased tremendously and I was not able to apply for a loan. I've been scammed multiple times by the action from the past from banks that pretending to be an actual credit card company confirming my account. Given the fact that I received phone calls to contact the police and transferred me to the police office and no record was there to be contacting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: CASHCALL, INC.
State: MN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am getting continued calls at my place of employment from CashCall. I have asked them repeatedly to stop calling, XXXX XXXX and XXXX XXXX are two of the dates I can recall. When I asked them to stop this XXXX person said she would once my debt was repaid.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: VW Credit
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have a delinquent notification on my credit report form Volkswagen Financial that states that I was 90 days late in XXXX-XXXX of XXXX. This account was closed and paid in full in XXXX of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-11
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Sears sent me a letter on XXXX XXXX, XXXX stating that my existing Sears credit card would be " upgraded '' to a new Sears Mastercard issued by Citibank unless I contacted Sears to declince the offer. I think it is underhanded and an unethical approach because the onus is on the customer to decline the new credit card. I think there is a great possibility for customers to miss the decline date, misunderstand that they need to decline the offer or perhaps not even receive the letter through no fault of their own and then be saddled with a credit card that the customer did not request. In my opinion this approach is just short of what credit card companies have done in the past when they sent credit cards in mail without customer knowledge or acceptance. This tactic may be legal but the potential for issues to be created for the customer are significant and therefore I think that Sears should not be allowed to issue their credit cards in this manner. I declined per the instructions in the letter plus I sent Sears a letter informing them of my profound disappointment plus I felt it was important enough to bring this to light outside of their company and that is why I submitted this complaint.

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