BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-18
Company: Atlanticus Services Corporation
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
I have a Fortiva credit card and I noticed that on XX/XX/XXXX and XX/XX/XXXX I was charge by XXXX   {$180.00}. I didn't notice the charge until my XXXX statement and on XX/XX/XXXX I call Fortiva to complain about the charge on my cardthak I did not make. They explained to me the would send me a complaint form out asap and once they received that then they could move forward with my complaint. I asked is there anyway to go online to their site to make this happen faster and was told its only by regular mail. I had no choice but to wait for the mail to command since my complaint to Fortiva Credit Card Services they have sent me a new credit card because the old was tainted as they said and I have also received my XXXX statement. I decided to call Fortiva Card services on XX/XX/XXXX and ask where the complaint form was and the gentleman on the phone said I should have seen it and he is going to send me a new one asap for me to file my complaint. XX/XX/XXXX still No complaint form so I call Fortiva card services again and this time I ask for a manager and I was told mangers don't talk to people on phones. So I asked are you located in the Staes or over seas he says he is from XXXX   and I asked again for a manager and he says again our managers Do Not talk to people I will get a supervisor so I agree but before transferring me he tells me the person I spoke to on the XXXX of XXXX can't mail you a 2nd complaint form you only get one by mail then he offers me to have a form emailed to me. I asked is this something that has always been available and he said yes email or regular mail and I asked why that wasn't offered when I asked on the XXXX and the XXXX of XXXX and he had no answer. I finally got the supervisor on the phone and asked is your office located in the states and she said No we are off shore so I asked again to be transferred to the states to speak to someone. She then said to me we Do Not transfer people to the Staes we can't. I have been trying to get this fraudulent charge off my card with Fortiva for 3 weeks now and I am NO further then I was on XX/XX/XXXX. This is getting very frustrating that they do NOTHING for their card holders. I just want my {$180.00} plus all interest charged to me back on my card and my credit card company Fortiva has done Nothing but lie to me and give me a run around. This scam that XXXX has going on is all over the internet with A LOT of people complaining to their credit card companies and they are getting results like paying back the persons card and dealing with getting the money back on their own not making their card holder wait " the proper way of doing things ''. 
Thank you for you time

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: SUNTRUST BANKS, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was and I still am a victim of Hurricane Michael. it happened XX/XX/2018. 5 months later, my home is still deteriorating due to roof damage, because Suntrust Mortgage has my insurance money in an escrow account. I and my contractors have filled out the required forms several times. I have faxed all forms 3 times, and my insurance co. emailed them once. Each time, Suntrust keeps adding on requirements. In the meantime, I literally have rain water pouring through my roof. have replaced tarps 4 times already. Ceilings, walls, and floors are ruined, and water pours in garage on my suv. I need MY money to begin repairs!!! There is mold growing in my attic, and thru my ceilings. My pups and I are getting sicker, and sicker. I am prepared to hire an attorney to sue them for much more than the amount in escrow.

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 2022-01-10
Company: NRA Group, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A negative report was placed on my credit report which is absolutely incorrect information. 
On XX/XX/XXXX I moved from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 

XX/XX/XXXX I moved to XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. 

A copy of my new lease agreement was provided to the debt collector and the debt was removed. XX/XX/XXXX the debt returned back on my credit report This matter was re-addressed with NRA Group and this debt still reminds on my credit report. removed. 

Please see my attached lease.

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 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 already explained to them the situation and provided proof when I disputed the accounts with them they said it would take 30 days it was less than 10 days they say they investigated the claims but they didnt They still have my car on there as repossessed and its not it was paid off and the account was closed with my lender they wont take it off I then see something pop up from something called XXXX still dont know what that is i gather information contact them they have no idea or record of who I am I report this to the credit bureaus to have it removed with proof nothing they made it to where I can no longer dispute the issues I call because I see my credit is being ran by all of these banks Im being told its a personal issue I just want to be treated like a human being and not talked to crazy or pushed aside my credit means a lot to me this has drastically dropped my score from XXXX down to XXXX please help me and hold them accountable for the things they are doing I provided them everything they needed for my identity theft and these accounts

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 2022-08-30
Company: DISCOVER BANK
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
As of XX/XX/XXXX I have written XXXX several times to get this issue resolved. They are counting to report duplicate fraudulent accounts. I have been disputing Discover Bank charge for a {$3600.00} account being reported at {$8000.00}. I don't have account number. I have repeatedly disputed this charge for 3 years and it is also contacted each creditor bureau with proof and also contacted Discover several times. Now the account is showing twice on my credit report. I have asked how this information is being verified as I have provided proof that it was not me. This is detrimental to my credit and I have exhausted ways to have it resolved. 

XXXX is also showing a duplicate collection account for XXXX XXXX XXXX XXXX XXXX, for {$190.00} which is also a fraudulent account and I have disputed this charge and it is showing twice. I have contacted XXXX as well as XXXX to verify that this was not me. The car they are referring to being insured is not registered or owned by me and I have never had insurance with this company. Have been fully insured for the last 5 years by XXXX. 

I would also like a resolution with XXXX XXXX. It is showing a charge off account for {$9500.00} I have disputed this charge and also provided documentation of fraud. I have contacted the creditor as well as they have sent it to collection which has resulted in anther negative account for XXXX XXXX for {$9500.00}. I have disputed this collection and have contacted XXXX monthly for the past 2 years. The collection agency has sent it to another collection office of XXXX XXXX XXXX for {$9500.00} as of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
We are in a Hurricane Irma FEMA designated area ( XXXX Florida- XXXX , FL vicinity ). 

We applied for and were granted a deferred minimum payment grace period on our Bank of America credit card ending in -XXXX. 

We did not receive any payment deferment as promised in XX/XX/XXXX until we filed a CFPB complaint in XX/XX/XXXX. Bank of America Irma Relief at XXXX was not able to help us resolve the issue for deferred minimum payment. 

When the deferred minimum payment issue was corrected by Bank of America, it was done very poorly. 

Bank of America has been the LEAST helpful to Hurricane Irma victims of any banking institution. We can name a dozen other banks who have been so much more understanding and helpful. Bank of America has charged our credit card account hurricane fees of {$27.00} on XX/XX/XXXX ; {$38.00} on XX/XX/XXXX ; {$38.00} on XX/XX/XXXX. Additionally, Bank of America has caused us great emotional distress by reporting to the credit bureaus a late payment notification. We have never had a late payment until Hurricane Irma. Our local TV station is requesting to do an in-depth expose on the treatment Bank of America has provided Hurricane Irma victims in our area, which has been horrible. 

We should not be charged ridiculous hurricane fees of {$27.00} on XX/XX/XXXX ; {$38.00} on XX/XX/XXXX ; {$38.00} on XX/XX/XXXX nor be subjected to a credit bureaus late payment notification due to Hurricane Irma. We feel like Bank of America has no compassion for Hurricane Irma victims, especially those in a XXXX minority category. 

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 monetary relief
Consumer complaint received 2022-08-30
Company: PRESTIGE FINANCIAL SERVICES INC
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
As of XX/XX/2021 I was contacted by my property manager that Prestige Financial had contacted her by phone to do a residence verification as if I was trying to obtain a new line of credit. This company has sent me harrassing emails from XXXX. I changed my number and the calls stopped but the emails continued. For a while they left me alone, and this is when they reached out to my landlord, and was demanding information on if I was being evicted, how much my rent was, how many people lived with me, etc. It was so shocking that she sent me a message asking me if I was trying to purchase something because of how demanding they were.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX XXXX XXXX XXXX XXXX has violated my privacy rights as per 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent Equifax several letters denoting the following inquiries are fraudulent. I did not apply for credit with the below companies : XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Atlanticus Services Corporation
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
when i checked on my account with XXXX i found this reporting, Account info Account name XXXX/ASPIRE Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/2022 Status Closed. {$100.00} past due as of XX/XX/2022. 
Status updated XX/XX/2022 Balance {$1500.00} Balance updated XX/XX/2022 Recent payment XXXX XXXX Monthly payment {$100.00} Credit limit {$700.00} Highest balance {$1500.00} then i recognized this is a fraud, then i called the creditor and they recognized its a fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have been trying to validate some allege debt on my credit report for about a year now with the credit bureaus. there's several accounts reporting inaccuracies on my credit report. for my understanding every single account reporting on a consumers report should be accurate in order to be on a credit report. I have account that the collections agencies are not reporting accurate. I have sent validation of debt to the collection agencies which mist of them they never replied to it. and the rest are reporting inaccuracies. 

I have tried several times with the credit bureaus to try to validate such accounts, but they either replied with a letter stating that the accounts have been verified or never reply at all. I decided to filed this complaint because I don't know what to do to get them to remove the account from my credit report. 

the credit bureaus are Experian, 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 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX XXXX XXXX XXXX is in violation of my privacy rights according to 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30
Company: Genesis FS Card Services, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
Genesis FS Crd ( ( XXXX ) XXXX ) I make my payments, usually on time, but at this moment in time, I am a little late in payment, but 134 calls in under 6 months? 
This is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: General Motors Financial Company, Inc.
State: NY
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:
Companies "  XXXX  '' and " AMERICREDIT '' have pulled a report on my credit without my authorization on  XXXX   XXXX ,   XXXX   from   XXXX   XXXX   to   XXXX   XXXX  , Corporation "   XXXX   ''  may  have authorized this credit report without my authorization on the website "  XXXX   XXXX  '', was swindled into entering car I was looking for and providing contact information, no where on the page did it specify credit reporting. "   XXXX   '' was contacted and claimed to have no information on my credit report inquire. Conversation recorded, pictures of website with no specifications of credit reporting filing present.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRUIST FINANCIAL CORPORATION
State: VT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern, My name is XXXX XXXX ( formerly known as XXXX XXXX ) and I presently have a mortgage for my home on XXXX XXXX XXXX. The mortgage providers are called TRUIST '' formally known as Suntrust ''. To make regular payments on my mortgage, I set up an online direct deposit on XX/XX/XXXX. This payment system ensures that on the XXXX of each month, {$800.00} is to be distributed to TRUIST. 

On XX/XX/XXXX, my mortgage was sold from TRUIST to XXXX XXXX XXXX ( XXXX ). I did not receive notification of this transfer until XX/XX/XXXX. In addition to the notice of change, I also received numerous concerning letters and phone calls from XXXX regarding my payment delinquency, and threats of foreclosure. 

Im confused by this because my direct deposit payments from my bank have continued. Those payments have been on time and consistent since XX/XX/XXXX when I first started direct deposit mortgage payments. I have documented proof of these consistent payments from the last eight months ( from XX/XX/XXXX to XX/XX/XXXX ). It appears that the months of XXXX, XXXX, XXXX have not been transferred from TRUIST to XXXX. All together, it totals an amount of {$2400.00}. Ive attached a copy of my bank history query from the last eight months which indicates each direct mortgage payment sent successfully to TRUIST and was never returned. 

I would also like to note that this isnt the first time Ive had an issue with TRUIST. On XX/XX/XXXX they issued a late fee to my account when they had in fact received a payment. After investigating, TRUIST had resolved the issue. This time, its not being resolved and they have not been responsive at all. 

Ive called both TRUIST and XXXX numerous times on many occasions to resolve the issue but my efforts have been unsuccessful. If you could help me retrieve those funds from TRUIST that would be greatly appreciated. 

I look forward to hearing from you. 

Sincerely, 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 2021-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
Referencing Complaint ID XXXX and XXXX. I have been trying to resolve a duplicate transaction issue with Capital One Bank for more than 7 months. On XX/XX/2021 a payment of {$790.00} was erroneously made to my XXXX XXXX  account ending XXXX from someone elses account at Capital One Bank. I notified XXXX and Capital One of this and XXXX XXXX  reversed the payment. Shortly after that, a DUPLICATE REVERSAL was performed by Capital One, taking an additional {$790.00} from me. This additional transaction was NOT AUTHORIZED by me. After months of calling Capital One Bank, they directed me to talk to XXXXXXXX XXXX  Capital One stated that they would be able to fix the issue if XXXX issued a letter of indemnity. XXXXXXXX XXXX  has requested payment from Capital One twice, and Capital One REJECTED both requests. Ultimately, Capital One Bank has taken {$790.00} from my account and has made it impossible for me to get these funds back. I have called XXXXXXXX XXXX  and Capital One Bank weekly. I am extremely frustrated that this entirely fixable problem has gone unfixed. Capital One Bank 's customer service is completely unacceptable and unhelpful. I am extremely disappointed because I have a {$790.00} reversal charged to my XXXX credit card when I have already sufficiently paid my credit card balance, and Capital One Bank will not agree to work with XXXXXXXX XXXX  to resolve the situation. 

To resolve this problem, I would appreciate if Capital One Bank would work with XXXX XXXX to send the {$790.00} funds back to my account. Once this is resolved, I plan to close my Capital One Bank credit card account and terminate my relationship permanently with Capital One Bank. The unprofessionalism and incompetence that I have encountered at Capital One Bank is absolutely unacceptable, and I am appalled that this seven-month perpetuating issue has not yet been resolved.

Company response to consumer: Closed with explanation