BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-29
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XX/XX/2021 right before the stimulus checks were deposited they credited the account {$76.00} without my knowledge claiming my account was overdrawn and it was not. This credit was given without sending out any notification and then was debited from the account months later again without notification resulting in overdraft fees and will not refund the fees.

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 2019-11-08
Company: Midwest Recovery Systems
State: GA
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:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
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: Old information reappears or never goes away

Complaint:
XXXX XXXX, 2020 I sold a home and the mortgage secured by the property was paid in full by XXXX XXXX, 2020. The lender is XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Arkansas XXXX ( XXXX ) XXXX. The mortgage note was for {$340000.00}. The lender removed the mortgage from my credit report on XXXX XXXX, 2020, which was correct. On XXXX XXXX, 2020 the lender added the mortgage back to my credit report which is not accurate ; I called them and to dispute this and they removed it again from my credit report within 24 hours. On XXXX XXXX, 2020, the lender added the debt, again, to my credit report. I attempted to contact them to correct this situation and it has not been resolved. 

I want them to stop adding this to my credit 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 2018-07-11
Company: SYNCHRONY FINANCIAL
State: GA
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:
Our payments are due on the XXXX of each month. In XXXX the XXXX fell on a Sunday and Monday was a federal holiday ( XXXX XXXX ) so our payment was not posted until the XXXX. When we realized we were being charged a late fee of {$38.00} we spoke to the credit card company Synchrony Financial Care Credit and we were told the XXXX would be waived. So when we made our payment for XXXX, we made the regular amount of XXXX instead of the statement amount due which included the XXXX because we were told it had been waived. When we received our XXXX Statement the previous balance from XXXX was listed as XXXX which is what was listed on the XXXX Statement as new balance. However the new minimum payment for XXXX is now {$110.00} plus they added another late fee of XXXX which now makes out minimal payment for XXXX {$150.00}. Down in the transaction summary it does show they showed refund of the late fee on XX/XX/XXXX, but it does not reflect in their numbers. When I called I was told I had to pay the minimum payment of {$110.00} for the payments to go back to the original amount of XXXX. When I asked why I was told the statement has already been billed. I should not be required to pay the additional amount on the XXXX bill. If I pay the {$110.00} the next month the minimum would go back to its regular amount. But this is not fair to me I'm still being billed a fee in excess of the regular payment.

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 2019-03-14
Company: FCI Lender Services Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We had a Mortgage company we had never heard of FCI and told us they were foreclosing on our house of 14 years we called and found out they had bought our second from a Company we believe had closed down in the Mortgage crisis 10 years ago. They told us they would remodify with a down payment. I told them I would be able to give them XXXX dollars at that time the said they would remodify loan down 1 percent to XXXX. My father got sick and I could only come up with XXXX so they told me they wouldn't bring interest rate down. I paid the XXXX and right after made a XXXX dollar payment. They also told me that if I didn't make payments through their Automatic payment site it would cost me XXXX. I feel this is a predatory lending Co that needs to be held accountable and the government needs to know what is going on. I had to sell my home because they wouldn't help with a better remodifocation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Upon checking my credit report synchrony bank have a few cart on my report they are not my cards they are not even under my social security number they all were all Open around the same time. They should have knew something was wrong then now I have to deal with this and no one is helping I have disputed with all three credit companies nothing had happened

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 2018-07-11
Company: CITIBANK, N.A.
State: NY
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 WAS CHARGED FROM THIS SAID COMPANY XXXX XXXX XXXX ON MY CITI CARD FOR {$14000.00} I ON XX/XX/17 I CALLED TO REPORT THIS WHEN I SAW THE CHARGE ON MY STATEMENTS AND THE CREDIT CARD CITI FILED A FRAUD COMPLAINT AND GAVE ME THE CREDIT BACK ONTO MY CARD FOR {$14000.00} BUT THEN THEY TOOK IT BACK AND SAID I HAD TO PAY FOR THIS CHARGE.. I CALLED THEM BACK AND TOLD THEM THIS WAS A FRAUD AND I HAD NO IDEA WHO THIS COMPANY WAS AND I NEVER AUTHORIZED THIS CHARGE AT ALL. THEY WERE SUPPOSE TO OPEN UP ANOTHER CLAIM BUT THEY NEVER DID SO NOW I AM CONTACTING YOU IN HOPES TO GET MY MONEY BACK THAT WAS TAKEN FROM ME WITHOUT AUTHORIZATION. I AM A SENIOR CITIZEN AND I LIVE ON A FIXED INCOME AND ALSO DEALING WITH MY SICK HUSBAND WITH MEDICAL EXPENCES AND HE IS ALSO A XXXX XXXX. PLEASE HELP ME

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 2019-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I had a balance of {$3400.00} that was due on XX/XX/XXXX. I paid the entire balance of {$3400.00} on XX/XX/XXXX. Recd a bill today ( XX/XX/XXXX ) for {$33.00}, spoke to XXXX at Capital 1, who stated they charged me interest, even thou it was paid before the due date. Which I paid on the phone today with her a now total of {$33.00}? so they are charging me interest on interest? my balance was paid in full on XX/XX/XXXX? and she said I would get another bill on XX/XX/XXXX, there shouldn't be a balance? So I closed my account and paid it in full on XXXX XXXX, XXXX How can they still charge me interest? and it still accruing? I think they are over charging on the interest, when the account has been closed and no balance?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
Company: EQUIFAX, INC.
State: MS
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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXXXXXX XXXX XXXX, MS XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX / XXXX XXXX XXXX {$7700.00} XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I bought a car from XXXX, used their lender ( Bridgecrest ) for convenience. Refinanced with XXXX, sent payoff check to address listed in Bridgecrest 's FAQs. Mailed it signature confirmation, but never signed for. I contacted Bridgecrest, told that was not the best/correct address for payoffs, was advised to cancel check, have new check sent to XXXX, AZ address. Did this on XXXX and new check arrived to me XX/XX/XXXX. In the meantime, received notice from Bridgecrest that loan was paid in full. Assumed they were able to process check before it was canceled. Received call on XXXX, check was returned unpaid. XXXX advised check not paid because it did cancel before they processed it, advised to send second check that I received XX/XX/XXXX. Sent that check XXXX  overnight, signature confirmation. This was signed for XX/XX/XXXX at XXXX. Received call XX/XX/XXXX, payment late, they haven't received/processed check, a FULL month after check signed for! Received emails about late payment, repossession. I was assured that it was being taken care of, that my account was on a hold status so that nothing would be reported to the credit bureaus. On XX/XX/XXXX, Bridgecrest responded to my XXXX  complaint that my account was paid in full, everything back dated and closed. On XX/XX/XXXX I received another email saying my account was past due and that was the last day I could pay without being reported. I again reached out to my POC, XXXX, who didn't contact me back until XXXX and told me that the second check was returned Insufficient Funds! I knew this was a complete lie. I went to the credit union first thing the next morning where I was able to get a photo of the processed/paid check and the electronic transaction record. I sent her this proof and the next time I tried to log in to the Bridgecrest portal, it said I no longer had an account. I was fine with that, thinking this mess was finally over until I got notification that my account was reported as 60 days past due to the credit bureaus!!! This company is completely incompetent and extremely deceitful. I have tried contacting them multiple times to get them to clear this up with the credit bureaus and I have disputed the reporting myself, but the damage is done! My credit score has dropped over 100 points!! They need to be held responsible for everything that they did, or really everything that they DIDN'T do!

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 2021-02-22
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Collector refused to provide info on debt or breakdown of debt. They did not tell me the amount owed, they did not tell me I could dispute the debt. No written information with name / address of company provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: HYUNDAI CAPITAL AMERICA
State: NJ
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 # XXXX. 
Newly acquired lease was obtained in XX/XX/2020 at the start of the COVID19 pandemic. We were forced to close our XXXX on XX/XX/2020. I had reached out to to XXXX to request to be enrolled in the COVID relief program that was offered. I was told that we missed the requirement by 1 day. Vehicle needed to be purchased After XX/XX/2020 to qualify for a 6 month freeze. 
We then agreed to have payments deffered which was approved starting in XX/XX/2020. 
XXXX payment was not honored. XXXX payment was honored. XXXX payment was not honored. Account was then paid and brought up to date. 
Credit report is now showing derogatory payments of 60 days late due to this. 
Payments have been made on time for the entire length of the lease prior and has currently had no missed payments

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 2018-02-04
Company: CITIBANK, N.A.
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 status incorrect

Complaint:
XX/XX/XXXX I filed Chapter XXXX bankruptcy. 
XX/XX/XXXX I received a Discharge Of Debtor ( s ) XX/XX/XXXX XXXX Credit Card and Citi Cards/Citibank both companies put on my credit : Date of status XX/XX/XXXX, Debt included in Chapter XXXX Bankruptcy on XX/XX/XXXX. Which is correct. 

Beginning of XX/XX/XXXX I applied for a line of credit through my bank. I was denied due to two delinquencies within the last three months, XXXX XXXX & Citi Cards Citibank. 

XXXX XXXX & Citi Cards Citibank Both companies updated my Bankruptcy to XX/XX/XXXX, so now when creditors look at my report it looks like my debt was recent. Please Help

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 2020-01-22
Company: EQUIFAX, INC.
State: NC
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:
Equifax had a major security breach release large amount of my personal information. I received multiply phone calls about fraud activities with my social security information that was released.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: ARVEST BANK GROUP, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home loan servicer was recently transferred to Arvest Central Mortgage. In the past 25 years, I have had over 10 home loans across 7 properties, with even more servicers along the way, since it seems every other year the loan is being transferred. 

Arvest is the first servicer I have encountered that charges any fee ( in their case, it's {$5.00} ), to submit a payment online. I do not believe that incurring a {$5.00} charge to submit an online mortgage is acceptable industry practice. That is a barrier to making a payment, in which they assess steep late fees if not received. This is the year 2020 in which entire businesses are conducted online, so charging {$5.00} to submit a payment, as opposed to mailing a check where there is no fee, is archaic and a money-grab.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I previously lived at a community due to a divorce I moved out. I turned in my divorce decree and the filed and signed one after stating that I was no longer living at the apartment and therefore will assume no responsibility to that address. My ex spouse stayed, I am not sure how long. Hunter Warfield appeared on my credit in late XX/XX/XXXX I believe. Never before had it appeared NOR had I received any letter from the community or I would have had it addressed and corrected. Hunter Warfield wont give me details on the debt. They claim they did not have that document I sent it to them. they stated they needed to speak with the community. The community states they are under new management and can not locate my file. I have been stuck in limbo with both companies since they can not file a file. I have supplied the information I have that is legal documentation stating only my ex spouse is at the apartment and only he is responsible. The collection agency wont answer my calls and just email me with a generic email stating they are investigating. This has been since late XX/XX/XXXX and the debt is illegally still on my credit report! Please help me remove this debt I do not owe. I can provide this legal documentation if needed.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-29
Company: NCB Management Services Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this very old debt on my credit multiple times. They have not provided any proof of the debt or a copy of the contract or deficiency balance to determine the account is reporting accurately. I do not agree with what they have reported and they won't respond to me. They have violated 15 USC 1692 FDCPA and 15 USC 1681 s-2 FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Experian Information Solutions Inc.
State: GA
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: Investigation took more than 30 days

Complaint:
I am so sick of dealing with Experian and its competent representatives regarding these fraudulent accounts. I am requesting for Experian to permanently remove and block these fraudulent accounts immediately upon receiving my police report and Identity Theft report. 

I did not open these fraudulent account and someone stole my identity and opened these fraudulent accounts. Please block and remove these fraudulent accounts immediately : 1. XXXX/XXXX  Account # : XXXX 2. XXXX/XXXX  Account # : XXXX 3. XXXX XXXX XXXX Account # : XXXX 4. XXXX/XXXX Account # : XXXX 5. XXXX XXXX XXXX Account # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Late XXXX or early XX/XX/2020, I contacted Wells Fargo Dealership about COVID-19 assistance, if at all, offered by Wells Fargo Dealership. They stated a 90-day deferment but that I have to pay {$27.00} and change by due date each month. I did that starting in XXXX and XXXX. However, I recently received billing somewhat different than what was discussed via the phone. My regular monthly payment : {$350.00}, but the total due is {$270.00}, not the {$28.00} ( interest and late charges ). In addition, I was told that balance of payoff of the XXXX XXXX XXXX must be paid in full by XX/XX/2020! How is this helping me during the COVID-19?

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 2020-01-22
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have a DDA account with SunTrust Bank NA, now Truist. I observed a pair of unauthorized charges on my account dated XX/XX/2020. I immediately contacted the bank and disputed the items. Soon thereafter, the bank credited me back for both amounts. The bank provided also provided me with a new debit card, however they appear to be using a system called Mastercard Automatic Billing Updater which basically fed my new number back to one of the companies who submitted the original fraud charge. Thus, my replacement card is also no good. One of the companies behind the original fraud charge later submitted another charge ( with the new debit card number ) for some type of membership fee. I am now left with no ability ( other than a personal check ) to purchase things like groceries and gas. The bank does NOT provide me with the ability to opt-out of Mastercard Automatic Billing Updater, which I find to be an unfair practice. I don't understand how a bank could be allowed to perpetrate fraud by providing the new account numbers back to a merchant for whom I affirmed to having never ever having a business relationship with. I am considering taking legal action against the bank as well as the merchant who submitted the second charge.

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