BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-24
Company: SUNTRUST BANKS, INC.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My bank Sun Trust called me on the XX/XX/2020 to inquire if I knew about multiple transactions on my account, I told them I wasnt aware of such transactions and they said they were going to investigate the fraud! I waited till today XX/XX/2020 I eventually went straight to the bank today so I could withdraw my daughter whos in College money, the bank told me they were still investigating the case, when I got home I called the customer service by name XXXX XXXX, and he told me the case was denied that he would send me the denial forms to re-file another claim that this was going to take 5-7 business days, please help me out! Not only that my daughter in college money is involved, I equally take care of other children from there and I have a XXXX year old baby, a XXXX, and a XXXX years old that are depending on me to take care of please I need help to get my money from Suntrust Bank. The transactions were as follows : sent to world remit {$480.00} sent XX/XX/2020, {$240.00} sent XX/XX/2020, {$200.00} sent XX/XX/2020, XXXX sent XX/XX/2020 the only money reimburse was {$210.00}

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 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I tried to dispute with all 3 Credit Bureaus ( XXXX, Transunion and XXXX ) to remove these unauthorized inquiries and was unsuccessful. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
AMERICAN EXPRESS INACCURATELY REPORTED LATE PAYMENTS ON MY CREDIT REPORTS. I HAVE REQUESTED THE INFORMATION FROM THEM TO SEND ME AN UPDATED REPORT OF MY PAYMENT HISTORY TO NO AVAIL. I ALSO SENT LETTERS TO 3 CREDIT BUREAUS REQUESTING THESE INACCURATE LATE PAYMENTS BE REMOVED FROM MY CREDIT REPORTS FOR THE DATES OF XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX I WILL PROVIDE EVIDENCE OF THE INACCURACIES BELOW FROM MY XXXX  REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: Security Credit Services, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2018, I sent a certified debt verification letter to Security Credit Service for account numbers XXXX and XXXX, asking that they verify the debt. The letter also stated under the Fair Debt Collection Practice Act ( FDCPA ) I have the right to request validation and verification of the debt that any company say that I owe to the. I asked for a contractual obligation that was bearing my signature, which would be binding me to pay the debt that is being said that I owed. I did not receive anything from them. I then sent a certified letter on XX/XX/2018, requesting the same information from them and they returned a letter that was typed up that bared a company names, but again, I was not given a contract between myself and their client that bared my signature saying that I responsible for the debt. On XX/XX/2018, I sent another certified letter to the company asking that the information be removed from my credit report due to 3 letters being sent to them asking for validation of the debt and a contract between myself and their client be sent to me showing that I was responsible for the debt. Since the information that was requested by me from there office failed to comply with the requested information from the date of the receipt of the very 1st letter dated XX/XX/2018 ( sent certified ) I am requesting that all references to this account be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. They failed to do so and they continue to report this information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
TransUnion reported that I had a past due debt to XXXX XXXX   Collection. I found this out from XXXX, and I went though many hoops to get TransUnion to allow me to dispute the report. TransUnion would not allow me to dispute it at first because of its system locked me out of the account that I made with it for the purpose of disputing errors on my credit report. Once I finally was able to go through the dispute process, I submitted documentation and a statement explaining that TransUnion keeps allowing the same fraudulent charge onto my report. I explained that TransUnion is forcing me to do this process again after I just disputed this collection with TransUnion three months ago and had it removed by TransUnion when XXXX XXXX XXXX reported the same collection. 

Today, I was notified when I logged into XXXX that TransUnion updated my report. However, TransUnion did not remove the erroneous collection. When I tried to dispute the process with TransUnion again, I was barred from doing so because TransUnion says that my dispute is still in progress and that I cant open a new dispute until the current one is resolved. Not only has TransUnion failed to do its due diligence as far as what it allows to be added to my credit report, it has failed to notify me of the conclusion of its investigation into my dispute and is now violating my right to undergo the dispute process.

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 2021-07-07
Company: The CMI Group, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Due to being a victim identity theft a fraudulent account with XXXX was opened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 don't recognize this accounts and inquiries. I never applied for it, I don't have any contracts or agreements with this companies.

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 2023-10-05
Company: Westlake Services, LLC
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Account with XXXX consumer credit opened XX/XX/XXXX, of which XXXX of XXXX term payments were made and reported to all three credit bureaus. XXXX never adjust on credit report. XX/XX/XXXX the vehicle was repod and sold for XXXX XXXX XXXX XXXX for {$500.00}. Then XXXX reported ( Falsely ) a payment was made of XXXX in XX/XX/XXXX by me to extend the collection life of the account then sold it to XXXX XXXX. Who made a hard inquiry on my credit by posing as a creditor.. all three credit bureaus and provided false information in an attempt to mislead and misinform the credit bureaus. 

I have all proof of payments wilshire will not provided any statements and the credit bureaus XXXX XXXX, XXXX and XXXX will not update my account accurately. I would like it removed. I have disputess this and they all refuse to investigate it properly. How is possible to make XXXX of XXXX payments and still have same balance as the beginning The only company I have done business with is wilshire consumer credit. No other contracts. 

Uploaded screen shots of all 3 credit bureaus different info.

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 2020-06-02
Company: SYNCHRONY FINANCIAL
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/XXXX at XXXX XXXX easter standard time I redeemed my reward points of {$160.00} to apply to my Synchrony Bank credit balance by my Paypal account. I received an error message that they had encountered a problem and my request could not be completed. That morning I went back to proceed again with redeeming my cashback rewards and all that was showing was {$.00} in my account. I have contacted Synchrony Bank by messaging on their account, by XXXX and have made 5 calls ( 4 to the customer service reps and one to a supervisor ). I get conflicting stories as to what happened to my {$160.00} cash rewards due to me. One said I would have it in one day, another said 3 days, was told 2 months, and finally the superior said it maybe be 1 to 2 billing cycles. No one can tell me what HAPPENED to my cashback only that an investigation had been initiated. They said they CAN NOT see my actual account and to call Paypal. When I called Paypal I was told that they can not do anything about it and I need to contact Synchrony Bank. I keep getting the run around from Synchrony Bank as they definitely do not want to help me at all. I asked them can they not just add my {$160.00} in cash rewards back to my balance and was told NO that they can not see my rewards. Why not as they are the ones who issue the rewards to my account for each purchase I make? I am an elderly person and can not take this undue stress as it has already affected my health to have to deal with this issue. All I am asking for is the cash rewards that I faithfully earned by using their credit card for all my purchases. Every time I have contacted them it is a different story and they are totally scamming me by keeping my rewards. Please help me as I depend on the rewards to pay my credit card bill. I am on a low fixed income and have many 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 2020-07-10
Company: Experian Information Solutions Inc.
State: GA
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 was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section XXXX, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.

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 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX  account number # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
DATE OF LAST ACTIVE, DATE OPENED, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2021-01-31
Company: AMERISAVE MORTGAGE CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been trying to refinance with AmeriSave mortgage company and they have been awful about communication. I haven't heard back in three weeks. I've sent multiple emails and left voicemails both with my loan officer and with the customer support email/phone line. I am extremely frustrated, want to rescind my application, and want a refund.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XX/XX/2022, I identified a discrepancy with an account listed under Midland Credit Management Inc. and validation was requested on XX/XX/2022 as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report, and I have not received any correspondence from the creditor to validate this account is correctly belonging to me. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account legally and the account continues to negatively affect me. Also, XXXX is reporting a different account number form the other two credit reporting agencies. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me, and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
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:
FTC PRO COLLECT {$3400.00} XXXX XXXX {$1200.00}

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 2019-10-24
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I have successfully been able to remove this fraudulent account from XXXX and XXXX, however Experian has yet to remove this account from 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 2018-11-14
Company: TD BANK US HOLDING COMPANY
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
TD Bank paid out {$420.00} when there was no money in my account. This cause on overdraft to the account. I finally got a settlement check for {$11000.00} to deposit, so I contact TD to confirm that there would be no issues with me depositing the money. I was told by customer service that as long as the check was brought in and deposited by Monday, XX/XX/XXXX there would be no problems. When I went to the branch on Sunday XX/XX/XXXX to deposit the check I re addressed the concern. I was told not to worry, that the account was good and no further action would be taken on the account now that the deposit check of {$11000.00} was there. I discovered on XX/XX/XXXX that my account was closed and after a full day of trying to figure out what was going on, I was informed that they closed the account, and after they did finally get the deposit cleared they would hold my funds until they di some sort of " investigation '' on the funds, after which they would cut me a check and mail it. I was then called and told that I could come in to get the check if I so chose to. But it would be held as a " cash item '' by the bank until they did this supposed " investigation ''. This money represents everything I had financially. Due to this situation they have created I will loose my home and my car because now I have no money at all to make any payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-17
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
On XXXX/XXXX/XXXX XXXX XXXX. Is sending me letter trying to collect {$6300.00} dollars that is owed on a lease. I could n't pay for they lease anymore so I took the car and dropped it off at the dealership I bought it from. Since then they have sold the car and are still trying to collect money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: Credit Systems International, 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: Old information reappears or never goes away

Complaint:
The following accounts have reappeared on my XXXX Credit Report : XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX for XXXX These accounts are being reported by Credit Systems Intl after being removed 14 months ago. They were satisfied, however Credit Systems continue to post and remove at their leisure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a Qualified Assumption with my mortgage lender, Bank of America, in order to get my ex husband off my mortgage as per the terms of my divorce. I was told my application was denied do to high Income to Debt ratio. I questioned this because I only have a mortgage and car payment, I do not have any other debt, my credit cards are paid each month in full. My car payment is {$270.00} and my mortgage payment is {$1600.00}. My income each month ( salary plus alimony ) is {$6100.00}. 
According to my calculations my IDR is 32 %. Totally within the acceptable range. I have never missed a mortgage payment and my credit score is stellar. 

I was told that once an underwriter makes a determination I can not appeal it. They suggested I try to refinance to get my payments lowered. My issue is, I already paid off all my interest and I am currently paying down the principal with only {$120000.00} left and 6 years to pay off my mortgage in full. I do not think I should have to start paying interest again for the next 20-30 years just to get my ex husbands name off the mortgage. ( His name has already been taken off the title. ) I feel that my denial is unfounded. And to be honest, I feel that it was made because the bank stands to make more money if I refinance.

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 2022-08-08
Company: Real Time Group, Inc.
State: NV
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have an ongoing XXXX enquiry with this company which I suppose they are working on it. I missed asking to verify XXXX more thing in my last enquiry so please add this one. 

I would like to know ACCRUED LATE FEES amount on XX/XX/2012 or XX/XX/2012 the day when XXXX accepting servicing the debt from XXXX XXXX XXXX. I donot have this amount in my files. I have accrued interest amount in my files but not accrued late fees. 

thanks

Company response to consumer: Closed with explanation