BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-20
Company: SYNCHRONY FINANCIAL
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2021 XXXX XXXX XXXX Syncrony Bank  ) With whom I have a lease program with my XXXX XXXX made an unauthorized withdrawal from my checking account in the amount of {$280.00}. This withdrawal caused my account to become overdrawn when authorized payments cleared, resulting in my account being charged an overdraft fee of {$35.00}. On XXXX XXXX upon becoming aware of the overdraft I was forced to make a deposit from my savings of {$100.00} to cover the overdraft and fees incurred. I sent this bank a letter and then called them on XXXX XXXX when I did not hear from them. They requested a copy of the bank statement which was sent about XXXX XXXX. Since that time I have heard nothing from this bank and am tired of messing with them. Hence this complaint. The name of the bank is Syncrony Bank  ( formerly XXXXXXXX XXXX  ) XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. The Account Number is # XXXX. All I have asked is that this bank refund the {$35.00} overdraft fee incurred due to their error. It took me about 2 & 1/2 hrs. to find where the mistake was made and get my bank to refund the $ XXXX is my hope your department can force this bank to correct their error they cost me. I prefer to do things this way rather than the Courts if possible. The name of the party responsible for the Charge was different than mine, which the bank should have checked. Respectfully, 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 monetary relief
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX XXXX  and XXXX XXXX XXXX XXXX are violating my rights as a consumer. I began notifying the consumer reporting agencies that they were violating my rights on XX/XX/22. I also notified them on XX/XX/22, XX/XX/22, XX/XX/22, and XX/XX/22. XXXX XXXX has removed the accounts from my file. 15 US Code 1681 Section 602 a says I have a right to privacy. No consumer reporting agency can furnish an account on my file without my written consent. I have not given anyone written consent. This is identity theft. 15 US Code 1681 c 2 says a consumer reporting agency will block any information on the file of a consumer that the consumer identifies as information that is the result of alleged identity theft within 4 days after the day of receipt. These accounts are still reporting. XXXX  and XXXX XXXX are also committing tax fraud. The IRS says it is illegal to report a charge off. According to them this is income. I am demanding they file a 1099 C and I would like the audit trail of these fraudulent accounts. They both are 15 USC 1681 e ( b ) by not reporting 100 percent accurate information. I am demanding that they follow 15 1692. ( c ) and cease all conveying of information directly to any person through any medium. The communication is the reporting of these accounts to my credit file. My consumer report is the medium. Your deceptive practices have caused me great mental distress and caused me to lose faith in our banking system. I demand that these accounts be removed immediately.

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 2021-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have reached my breaking point with Bank of America and the way they are fraudulently handling my account. Bank of America ( BOA ) have taking authorizations and deducted them from my available balance ( which can be observed just by looking over snapshots of the past 3 months ) and after the authorization falls off, BOA never adds the funds back to my available balance. For example, on XX/XX/21 I had an available balance of {$8.00} with other transactions processing which has already been subtracted from the available balance. I then transferred XXXX from my other checking account and none of my transactions from XX/XX/21 totaled XXXX, only to discover after making one transaction on XX/XX/21, I had a balance of XXXX minus XXXX I transferred to my XXXX Bank account on XX/XX/21. I have been constantly transferring XXXX 's of dollars in funds to this account only to have my funds disappear. On XXXX BOA charged me a fraudulent overdraft fee, which was impossible because my account had a balance of less than XXXX but it wasn't in the rear and I also transferred XXXX after checking my balance, the fee was debited back to my account on XX/XX/21 when I contacted them, but still I should not have to play watchdog with my account, when they are the company, I'm entrusting to safe keep my funds and oversee transactions.

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 2018-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Hello I am writing this because XXXX XXXX company imputed a collection account on my report. The original creditor was sprint. I disputed this account when XXXX XXXX was on my report with same account. 

This account was deleted of my report they could not verify or have my signed contract. 

XXXX XXXX needs to delete this off my 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 2023-04-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2023 HSBC Bank chose to suspend my account and put it under investigation or review without any notice to me no correspondence whatsoever about the situation on XXXX the XXXX XXXX  I tried to log into my online account and could not and I got an error message saying it was suspended so I immediately called the bank they said that it was some sort of problem to call back the next business day on the second of XXXX I called because I usually get a direct deposit on the XXXX of every month and that's when they told me that my account was being up for closure because of some review or investigation without any other notice to me they then said that they were just going to accept my direct deposit but I would have to wait until the account was closed all the way and then I will receive my money. I tried to get the direct deposit stopped but it was too late seeing that it was going to be put in for the next day so the funds were in the account that I could not access since then I have been trying to get my money back from HSBC Bank and I have been given the runaround. I've called 17 times and talk to XXXX managers or supervisors and they all tell me the same thing they don't know when it's going to be that I will be able to look for a check in the mail. This is very very unfair I feel like they're trying to take my money from me and it's not fair whatsoever. Since this problem with HSBC Bank holding my money unbeknownst to me, I have been evicted from my home for non-payment of my rent, I have been in financial ruin because of late fees and bad credit reports because of the money being held and I can't pay my bills. I am XXXX and I received disability benifits from the social security administration disability insurance and that's the money that they're holding from me. I explained several times to the HSBC supervisors with no recourse they do not care and they are acting like it's not anything that they can do about it. They still haven't told me why this is happening still no correspondence no phone calls no emails no letters. I totally feel like this is very very illegal and it needs to be spoken about, please help. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: ONEMAIN FINANCE CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
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:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Im having a problem with credit acceptance. They have been calling me XXXX times and hour everyday. I have strictly told them that I am a college student and I am in class most of the day and that i cant take calls on weekends. But they continue to constantly call me. They are even calling me at XXXX in the morning on some days and I know legally that isnt allowed. I have an arrangement already worked out with them but they continue to call me anyway. Something needs to be done with this company or I will not be paying back anymore of the loan.

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 2021-11-20
Company: NAVY FEDERAL CREDIT UNION
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent Navy Federal Credit Union XXXX XXXX XXXX XXXX on XX/XX/2021 and they received it on XX/XX/2021 at XXXX. Stating the facts with proof and exhibits. They have failed to respond to my previous complaint and is now in default. 

XXXX XXXX has been false and misleading during this entire consumer credit transaction. They have been sending false character amounts, reporting false information on my consumer report and calling at inconvenient times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: PENNYMAC LOAN SERVICES, LLC.
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Pennymac has failed to remove the fees theyve added to the account from years ago after submitting a payment towards those fees in XXXX and previously as discussed with them over the phone. I was told some of the fees would be voided. The fees still Show. My statement shows fees currently at {$1600.00} Ive been on time with my payments since XXXX but the lender has failed to report this to all 3 Credit reporting agencies. They also refused a loan modification to remove PMI despite my 20 % plus deposit in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Getting constant calls some blocked some from different number all for the same company I receive almost 10 calls a day its stressing me out because I simply dont have it to pay and its a constant reminder of what Im going through on top of me trying to be a new mom

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They repeatedly call me and my husband even after they've been repeatedly told to stop calling me. I've also informed them that they aren't legally allowed to collect the debt that they are trying to collect, since it is beyond the statute of limitation for being allowed to collect on the debt. I've also told them that I'm not working and don't have any money to pay them. I want them to stop contacting us, like we have repeatedly asked them to do. They call several times a day, and I've repeatedly told them to stop calling us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15
Company: EQUIFAX, 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, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My spouse and I are retired XXXX XXXX and XXXX XXXX XXXX veterans. Our complaint is regarding an inaccurate balance Freedom Mortgage is reflecting for our mortgage. We also would like to report the poor customer service they are providing when we continue to contact them regarding trying to audit our account to receive the correct balance. We recently completed our Chapter XXXX bankruptcy in XX/XX/2019 ; at completion the Trustee sent Freedom Mortgage a check for Notice of Final cure Payment in the amount of {$16000.00}, the amount required to cure the default in the claim ( document 1 ). On XX/XX/2019, we received a demand for payment notice from Freedom Mortgage in the total amount due of {$17000.00} ; for payments for the period of XX/XX/2019 XX/XX/2019. This total is a compilation of {$16000.00} in principal, interest, & escrow, {$220.00} in late charges, {$1300.00} in fees and costs to date, {$1000.00} in less amount in suspense ( document 2 ). We have Freedom Mortgage statements dated from XX/XX/2019 - XX/XX/2019 showing the irregularities from statement to statement. The Freedom mortgage statements for XXXX and XX/XX/2019 shows a credit of {$900.00}. We have uploaded the payment history for our account showing money begin posted in suspense which is accruing interest and late fees. We have contacted Freedom Mortgage on several occasions requesting an audit on our account and have been told that they can not discuss our account directly with us however, through our bankruptcy lawyer. We contacted our bankruptcy lawyer and he stated there was nothing he could do, as we are out of bankruptcy as of XX/XX/2019. We are request assistance in receiving an accurate amount concerning our mortgage balance. Any assistance in this matter is greatly appreciated.

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 2021-11-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
I'm being charged a {$5.00} dollar fee every month for a credit card that I don't use. I'm not sure why this charge has been added to my account. I have been making this payment for sometime now and would like to have it removed from my card activity and reimbursed for the charges dating back to when it was added without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: Professional Choice Recovery, Inc.
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
OnXX/XX/XXXX called them at about around XXXX XXXX. They told me I owed XXXX when I owe XXXX every time Ive called them previously they dont identify who they are. On one case I called them and I said the wrong name and they said I had the wrong number! Didnt even say they were a collection agency! When I called Them on XX/XX/XXXX I was talking to the lady and when I asked if I could settle she told me no, I asked where It goes if I dont pay it and she told me they would take legal actions. I was just asking her because I didnt know if it went to another collection agency. She kept saying okay man. She didnt have the correct info. I understand I wasnt professional, but On there website it says they maintain the highest level of professionalism. Which they do not! I told her I could make payments on the bill but only XXXX and she said that when XXXX rolls around they have to increase it. She also kept saying you wouldnt go into the grocery store and not pay. At no Point did I act like I wasnt gon na pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I created an account with   XXXX   XXXX   and need to be paid {$100.00} and it not letting me deposit the money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2021-11-20
Company: Bread Financial Holdings, Inc.
State: OH
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:
An account was open with Comenity Bank XXXX XXXX XXXX XXXX in XXXX of 2021. The opening balance on the card was {$5000.00}. On 4 occasions the credit card company has been paid. XXXX {$500.00}, XXXX {$350.00}, XXXX {$250.00}, and {$350.00}. Totaling {$1400.00}. The checks sent to the correct po box XXXX with the correct account number on them have been received and cashed by the company. However, on SEVERAL occasions I have reached out to the company with no luck. 

After entering a formal dispute with the company, they still reported delinquency to credit score agencies. I was also told that they believe one of their employees may have stolen this money. 

Comenity is still harassing me for past due money, in which I have paid.

Company response to consumer: Closed with explanation