BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-30
Company: SUNTRUST BANKS, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear CFPB Staff, My name is XXXX XXXX. I am the owner of XXXX XXXX XXXX XXXX XXXX. 

We are writing you concerning the theft of our funds by SunTrust Bank and their wrongful damage towards our business credit score and my personal credit score. 

We have a SunTrust Bank Account. In XXXX of this year XXXX made multiple charges on our account which we did not authorize. This brought our account to almost - {$500.00}. 

We disputed these charges with SunTrust. 

SunTrust stated clearly to us that once the disputes were resolved the overdraft fees would be reimbursed to us as well. We were told this by three different SunTrust employees in their call centers. 

The disputes were finally resolved and ruled in our favor XX/XX/XXXX. We were informed of this today when we again called SunTrust 's support number and requested their Claims Department to inquire the status of the dispute. The representative at SunTrust 's Claim 's department even told us all the fees and been reversed, as that is standard protocol not on just for SunTrust but for all banking institutions.

I then requested the Claims Department representative transfer me back to the main Customer Service department so that I may stop receiving paper statements. She agreed and put me on hold. After some time instead of speaking to the Customer Service Department the same Claims Department representative picked up and informed me that SunTrust had not reversed the fraudulent overdraft fees as they were suppose to, closed our account without even reaching out to us, kept our remaining Positive Balance, and sold a fraudulent debt to a collections agency damaging both our business credit and my personal credit in the process! 


We at XXXX XXXX XXXX XXXX XXXX XXXX would have soon been eligible for loans to further our business. SunTrust has ruined our ability to do so. 

I am looking for a house for my daughter and myself. SunTrust has crippled my personal credit score as well.

Along with stealing our funds and closing our business account!

In addition to this we had been pre-approved for their Business Credit Card and had been told at their local branch where we had begun the application process that we would receive it after our dispute was finally processed!

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 2023-02-28
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XXXX XXXX 2022 I was given an offer while paying my Citi Bank credit Card. The offer was as follows : Enroll in a high yield savings account and receive a bonus offer up to {$450.00}. 

I opened the account and funded it immediately with {$50000.00}. I was to maintain that balance for 60 days and whatever the balance was on the XXXX day and maintained 60 days after the XXXX day would determine the bonus After an additional 30 days, I would receive the bonus. 

I fulfilled all these requirements and have not recived the funds. 
I have opened a case ( # XXXX. 
the case was opened on XX/XX/XXXX. I have called repeatedly and told the case is ongoing by one person and closed by others. 

The bonus offer code is XXXX XXXX 
I have a confirmation email outlining the the requirements and I have fulfilled them.

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 2021-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Bank of America in XXXX, CT has the worst customer service. I have a Power of Attorney for my father 's business account. In XXXX I called the customer service number in order to dispute 10 transactions that I deemed fraudulent. I was told that I needed to fax in the POA. It is now XX/XX/XXXX and the problem may have been resolved. In XXXX, I waited 10 business days and called the fraud number. My name wasn't attached to the business account. I called and got a regional manager who said he would assist. I then went into the XXXX, CT branch and an employee seemed to try to assist. He supposedly made phone calls. The XXXX employee said I had to re submit the POA. Then XXXX came. I waited 10 more business days and nothing. The XXXX employee said to wait 30 days! Months go by and the regional manager had me speak with his co-worker who was to assist. Then XXXX came She then sent a XXXX envelope to re send the POA. I continued to question if these people were really helping or just placating me. I sent the POA 3 times. In 5 months my name was never attached to the original POA. I obtained a Durable Power of Attorney which had my sister 's name attached. I sent that to the District Manager and suddenly she was able to speak to someone regarding the fruadulent charges. I seek to find out why this took 5 months. Excuses over the 5 months # 1. The pandemic and not enough staff to put my name on the account. # 2. We don't know why your name hasn't been added, send the POA again. # 3 your name was added to the wrong account not the business account. Are the Connecticut employees that disorganized or did they just not want to help me? I was always told that my name would be added. I would call land nothing. Lie after lie after lie. Five months is too long to get this fixed.

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 2019-09-30
Company: DLC, LLC
State: SD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was paying a payday loan to Dollar Loan Center in XXXX XXXX, SD in about XXXX and then one day the place was closed and no forwarding address or anything. I was never contacted by the company again and then I learned that the state had closed them down. I have not heard from them or anyone else until XX/XX/XXXX. I received a letter from Dollar Loan Center in XXXX XXXX, SD that I was serverely delinquent on my account and had to make arrangements to take care of this or face additional costs of late fees, collection fees and if necessary, attorney fees and court costs. 
I don't feel after two years and no contact by them that I have to pay this at all. I went to their site on the internet and saw where this sore is closed and that the state division of banking had closed them. 
I have been XXXX and can no longer work and live on social security only and there is no way I can make payments on this anymore. I was able to work and was working when this was going on, but since had extensive XXXX on my XXXX  and XXXX and am XXXX. Please let me know what I have to do on this problem as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX XXXX has re-aged an old debt, which is illegal according to FRCA. I disputed the information was disputed with the credit bureaus and the information came back as verified. I have disputed the information several times over the last ( 2 ) yrs and it still has not been addressed.

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 2023-03-02
Company: Block, Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I called and requested a refund for a XXXX transaction on XX/XX/XXXX the representative provided a name XXXX XXXX and asked for an order number for the transaction placed on XX/XX/XXXX. XXXX representative addressed himself as XXXX XXXX placed me on a brief hold to look into my account information and stated seller XXXX XXXX  had attempted to breach my account using my Visa linked to my XXXX account card and advised me that a XXXX party application XXXX had noted a login with my XXXX accounts. I became suspicious of the information and began seeing allow notifications on my XXXX device for CashApp and settings notifications. The caller provided and reference and callback number and stated the Seller had transfers to purchase Bitcoin and some notifications had been disabled. Upon checking my account information. I noticed my checking account balance was low and the recent deposits I received were withdrawn. The transaction details noted transfers to myself on the CashApp were Bitcoin was purchased and transferred to an unknown source. CashApp was contacted via Support and a case was created and closed. No further information was available. Also my banking institution was contacted and refused to process a fraud dispute stating I had given authorization for my Visa card to be used as cash. I disagreed and stated I was a victim of fraud and I did not authorize and retailer to use my linked Visa Card to deposit funds to purchase Bitcoin. I have never attempted to purchase Bitcoin and never invested using cryptocurrency prior. I stated I would never invest in something I had no prior skill or knowledge resulting in my account being over drafted on a fixed income receiving SSI and Medicare funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
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:
My credit report seems to show fraudulent activity My name is XXXX XXXX XXXX XXXX. 
social security number is XXXX address : XXXX XXXX XXXX XXXX Illinois XXXX The collections are XXXX {$57.00} XXXX XXXX XXXX XXXX {$60.00} XXXX {$67.00} XXXX XXXX  {$88.00} XXXX XXXX {$170.00} XXXX XXXX XXXX XXXXXXXX {$200.00} XXXX {$650.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX  {$1700.00} HARD INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: EQUIFAX, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I reached out to the three major bureaus about inaccurate information on my credit report, and asked for them to be corrected. It has been over 45 days and I still have not received a response in regards to my complaint, I feel as if I am being taken advantage of, and my rights are being violated! 15 U.S.C. 1692d states that companies are not allowed to abuse, harass, or damage my reputation. By reporting these late payments on my account I am being harassed and my reputation being damaged! I would request that these late payments be removed and updated to paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am an XXXX XXXX military member who got orders to move to XXXX from XXXX. At that time over 2 years ago I requested a short-sale as I was unable to pay for the mortgage. I was told on several occasions that my account was not eligible for a short sale and they constantly threatened foreclosure. Over a year later I found out from my command that not only was I eligible for a short sale due to my PCS orders to move it would be an easy process. I again reached out to Citimortgage and argued this point at that time they agreed that I was eligible for the shortsale, Since then it was approved. I had a buyer for the amount that they requested. Later i found out that the decided to changed the amount. I lost that buyer not at a higher price of XXXX, they are not asking for more documentation like I need to reapply for the shortfall. This is overwhelming. I am a military XXXX XXXX and my wife is dealing with severe health problems.

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 2023-03-07
Company: PERL MORTGAGE
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2020 XXXX XXXX, XXXX, a successor to Perl Mortgage XXXX Inc ( Perl ) hired XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX to prepare an Assignment of my alleged Mortgage to XXXX XXXX XXXX, XXXX for " good and valuable consideration the sufficiency of which was purportedly acknowledged. 

Please state the full amount of " good and valuable consideration '' in $ $ XXXX and the name of the individual employee who acknowledged this consideration and the amount paid ; and his/her place of employment. 

Please provide me proof of payment of this valuable consideration, such as copy of wire transfer receipt, ACH or cancelled check. 

Please state when and where this valuable consideration was paid, the name of an individual officer who made this payment with his full place of employment ; and the name of an individual officer who received this good and valuable consideration. 

Please provide me a copy of the ledger for the account receivable where this valuable consideration was deposited and a release of lien signed by an individual employee evidencing that I do not owe any money to XXXX or Perl Mortgage

Company response to consumer: Untimely response
Consumer complaint received 2023-03-02
Company: Rocket Mortgage, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Quicken has been running an advertisement on XXXX since XX/XX/2023 that portrays a home equity line of credit as " borrowing from yourself ''. This is a blatant lie and attempt to defraud consumers by luring them into a predatory loan under false pretenses. The advertisement can be found here : XXXX XXXX XXXXXXXX ( Archive link : XXXX XXXX XXXXXXXX : XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got an email this afternoon from Credence Resource Management , LLC, and they had sent me a fraud packet that I cant even access. I think they may have emailed the wrong person or are trying to collect debt that I dont even owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Experian Information Solutions Inc.
State: TX
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2022-02-24
Company: SERVICEMAC, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX, XXXX XXXX, XXXX failed to properly pay my real estate property taxes for XXXX 2021 from the accured or advanced escrow account, yet they increased my mortgage payments from the original {$2300.00} to almost {$2600.00} with the pretext that my property taxes increased during the XXXX. I called my tax assessors office and received a tax bill that states that the servicer hasnt paid any taxes via escrow since first quarter 2021 and so the city placed a tax title ( lien ) on my deed! Our servicer changed from XXXX to ServiceMac as apart of their transfer transaction. The notice of transfer and billing statements show escrow disbursements that were not in fact made i.e. fraud. We have been paying the escrow with the increased adjustment and neither servicer has paid the fees. Ive contacted both and get the run around as the city tax assessor has confirmed non-payment. I cant even get proof of payment from ServiceMac ( something showing a mailed check # or EFT acutally demonstrating payment ). In all my billing statements are incorrect and the Form 1098s mailed to me are inaccurate at best or fraudulent.

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 2018-12-12
Company: EQUIFAX, INC.
State: PA
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:
On XX/XX/XXXX XXXX XXXX pulled a copy of my Equifax credit bureau with out my consent. I spoke with XXXX and they could give me no valid reason as to why this was pulled. 
I spoke with Equifax to dispute this and they indicated they could not remove it since we have no control of our own personal credit file. 
I can't begin to explain the problems with this situation! 
I would like to have the hard inquiry removed from my credit file. I have closed the account and while I am under no illusion that companies like this will care in slightest of loosing a good account because of nefarious behavior, I can only separate myself as much as possible from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-30
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:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

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 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. If you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXXXXXX 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 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 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 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 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 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 non-monetary relief
Consumer complaint received 2022-12-31
Company: Experian Information Solutions Inc.
State: WI
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:
Someone opened a account in my name at a local bank I received a letter in the mail from the bank that's how I was aware of the fraud I called the bank to let them know it wasn't me that opened the account they closed the account and sent me a letter about what happened and what will take place in the future. I have inquires on my credit report as well as a Bankruptcy that all three bureaus fail to delete I have filed several complaints with all three, called spoke with them all, and nothing has been deleted. I have fraud protection on my account NOW but the things that are on there where never deleted. I have sent several letters called several times and filed several complaints and I am getting no where. I have filed a complaint with the FTC ( Federal Trade Commission ) report number XXXX Please follow up with XXXX, XXXX, Experian as I need a accurate credit report. Inquiries Deleted and Bankruptcy.

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 2022-02-24
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : State a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation