BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-14
Company: SUNTRUST BANKS, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I switched cell phone companies turned the phones into the new company who had a promotion to pay the cell phones off to the old merchant. XXXX which was the old merchant charged my bank account XXXX which caused a negative of that amount on my account. I never authorized them to charge my account for that payment. I call SunTrust in which disputed the claim it was approved and I was issued a new debit card. The transaction was attempted again at that time 4 attempts  were tried and SunTrust allowed the purchase I again disputed that claim and SunTrust closed the new card that was issued and resent me another card. The dispute came back onto my account this time causing me to be negative XXXX. No one in SunTrust claims could advise me why they allowed my account to over draft almost 2 thousand dollars, and neither was she cooperative in helping me she stated that the merchant had a contract. I advised to her I never signed a contract because no longer did contractual plans. SunTrust was not on my side and failed to protect my account. I explained to her that the issue has happened three times now with this merchant. I have cleared my rent check and many other authorized expenses and this will cause me to be placed in a horrible situation.

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 2022-08-29
Company: Bread Financial Holdings, Inc.
State: CA
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:
My card was having a great deal of trouble with their site being down and I could not access my account. Clients were told to call the XXXX number but that was also down. For numerous days. As a result if this outage I could not tell if I had paid off my balance and accidentally overpaid. It was because of the outage and inability to access my account at all for days that I chose to lock and then close the account. I did so and when I finally got an agent I was told the account was closed and what my refunded balance would be. Weeks passed and I got no refund check. I finally called and was told that my refund had been approved on the XXXX of XXXX and the check was being cut. I wait more weeks and still no check. I called again today and was told that my refund check had just been approved on the XXXX of this month, almost verbatim of what I was told last month by a different agent. In the end, I said 3 to 4 months to get my money was unacceptable. I was then told that if I called a special number and got my bank to send proof that I had paid my account off, then they could expedite my refund. They already know this. They have told me that repeatedly. As for expediting my refund, its already been 2 months. If I were to not pay my credit card for 2 to 3 months, you can bet Id be paying some interest. Why is the credit card company able to withhold my money for months, earning interest on it, and have no penalties? All I want it my refund in a timely manner. At this point they are saying XXXX. That is not alright with me. That is literally months late and they told me my refund was approved XX/XX/22. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-29
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
These revolving account were closed and or numbers changed for lost cards etc. 

I am unable to call them to close these accounts because their automated systems only allow me to access the current account that I use. 

I only have a {$800.00} credit limit that i can use. 

So this makes their reporting false. 

There also is no reason for them to report this on my credit report or have the accounts open, when i can not access 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 2020-06-21
Company: Experian Information Solutions Inc.
State: FL
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:
Experian failed to remove the inaccurate information on my credit file. I have been disputing those accounts since 2018. I was never late on those accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: American Credit Acceptance, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XX/XX/XXXX, American Credit Acceptance repossessed my XXXX XXXX XXXX. According to my records I am currently due for XX/XX/XXXX, and XX/XX/XXXX payment. I was given and approved for an ( 3 ) month extension in XXXX. I made the following payments : XX/XX/XXXX, XX/XX/XXXX, which was applied to the month of XXXX. I was going to pay the XXXX payment on XX/XX/XXXX. I called American Credit Acceptance to discuss my account and it was bought to my attention that the extension was never applied to my account. When I went into the borrower portal to check on my account, the transaction history is unavailable and the account is currently due for {$4400.00}. This information is not correct had the ( 3 ) month extension been applied to the account. I was told what was needed for a reinstatement which I do not have at this time. Also currently the interest rate is 20 % and I am still owe {$52000.00}, on this loan. American Credit acceptance never applied the extension and I have done everything to keep up with the payments. They never contacted me to let me know that the extension was never applied. The repossession occurred while taking my kids to their first day of school. The reinstatement department stated that someone from " upper management '' would be contacting me however, they did not explain why. Due to this misunderstanding we are without transportation, and we do not have a point of contact to get this matter resolved. American credit Acceptance has not been easy to work with and their total lack of communication has proven that they do not care or live up to the relief programs that they offer. I have attached all of the documentation that I received from American credit acceptance. According to my records we are due for XX/XX/XXXX, and XX/XX/XXXX, which would make us 29 days past due had the extension been applied to our account. We both signed electronically within the American Credit Acceptance system. We also paid the XXXX payment early as good faith towards the extension agreement. As you can see the payment was credited and then reversed, and then credited again on the same day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Better Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Better mortgage around XX/XX/21 sent me closing disclosure which was drastically different from the loan estimate that was previously sent over the previous four weeks. the tax escrows went from {$2800.00} to around {$3700.00} and when i questioned them about it, they stated it went up because i did not get the Florida homestead exemption. i advised them that in Florida, you get the Florida homestead exemption especially with the home being my primary residence. i advised them to contact the local tax collectors office or the title company to confirm this information and they have not responded. i am currently being over charged for my escrows with my closing in one week which is a very malicious practice by better mortgage. They are also charging me a survey fee of {$400.00} when there was not one that was required nor was i able to shop around for companies. i questioned them about it and they advised they are looking into it and still no response. in addition to the above issues, i was advised that i cant use a realtor credit towards my closing cost and prepaids when this is standard practice in the real estate industry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2018-11-24
Company: SYNCHRONY FINANCIAL
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please check this account. I can not recall being late on my payments. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : SYNCB/XXXX  Account Number : XXXX Date : XX/XX/2017 Amount : {$1100.00}

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 non-monetary relief
Consumer complaint received 2018-11-24
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is not mine was not in bospital on XX/XX/2018. the name of collector capio .nane of hospital XXXX XXXX XXXX XXXX hospital . For XXXX this debt is not mine plz remove this..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-14
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On and about the month in XXXX, 2018, I noticed there was an unauthorized withdrawal made of {$1500.00} dollars from my checking account. I immediately visited a branch of Citibank and froze this account to prevent additional fund withdrawal and transferred my remaining funds into a new account to protect against this happening again. Several weeks later an internal investigation was initiated by me because the question of why this happened in the first place was not answered regarding this unauthorized withdrawal in XX/XX/XXXX. Instead, they identified that the arm of their management investment Co. associated with Citibank had withdrawn the funds and that this investigation was closed, without an explanation of why years later, about 11 years later, they are withdrawing money from my checking account that had nothing to do with investments I had opened and closed years earlier around XX/XX/XXXX/XX/XX/XXXX during those year 's recession period. A new investigation with a new investigation reference number was opened about two months ago and to date I have not gotten my money back, nor a reasonable, legal explanation from their own management investment arm that I had opened and then closed around XX/XX/XXXX/XX/XX/XXXX because of the recession. I closed these accounts back then and I believe they were ROTH and a stocks investments amounts.

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 2019-09-05
Company: Texas Guaranteed
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
This company is calling me on my employer phone which is a hospital and I can not accept personal phone calls in an hospital setting. The phone is designated for patients only. Voiced this to them and a XXXX still proceeded to reach me at my place of work. I will file harassment if this continues

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: Bayside Capital Services, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
This company has threatened legal action. This company took money from my bank account UNAUTHORIZED, meaning they STOLE from me! The " VP of Operations, '' XXXX XXXX. I was bullied into making a few payments, then when I did not pay XXXX XXXX threatened legal action. He told me I was wrong for the things his employees told me. XXXX XXXX would go back and forth with me about making a settlement. When I wouldn't pay he would yell at me saying " I'm cancelling all your payments and you don't get a settlement! '' Very immature to say the least. After speaking to him the last time I realized I never received anything stating my debt, stupid on my part. XXXX XXXX threatened me with legal action. XXXX XXXX took money from my bank account UNAUTHORIZED. He STOLE money from me. This company has broken the FDPCA NUMEROUS times and I will not stand for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 2017-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
XXXX   XXXX  applied for capital one credit line so much fraud going on and my husband hasnt heard from them worried they got his info and scammed him can you help plz

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: BB&T CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I seen in my online account that there were multiple charges on my account that I didn't authorize. 1 charge was for {$1.00}, it was credited back to my account and then another charge for {$4.00} that's was also credited back to my account. There was another charge to XXXX XXXX for {$50.00}. So at XXXX when the XXXX number stated the customer service would be in I called. I was told by the over the phone person that there wasn't anything they could do until the payment posted. Which makes absolutely no sense to me, but they did give me the phone number for XXXX XXXX to try to get the charges stopped. She also stopped my bank card and stated they would send me a new card. I then called XXXX XXXX and they told me there was nothing they could do for me, that my bank would have to help me. Something about it being against the law to look for my card number in their system. 
Then on XX/XX/XXXX I checked my account online to find that the {$50.00} transaction did go through my account and I was also charged {$5.00} for a new card. I took off work to go to the bank, but not before calling other banks in my area to find out if this is how this should work. Other banks stated they would leave the amount pending until they had a chance to investigate the situation and wouldn't charge me for a new card for something that wasn't my fault. I went into my local BB & T branch where I was told I had to fill out an affidavit and it could 72 hours or more for my account to be credited back, and also that my charges didnt look like fraud to them. Mind you I live at least 9 hours or more from XXXX! Only when I said it's going to be rough not having access to my account did XXXX even offer to give me temporary card. So now I still have another {$1.00} charge on my account, and wondering if more fraudulent charges are going to come through my account and mess up my 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 2021-04-08
Company: The Receivable Management Services LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a phone call from this company claiming that I owe an insurance company XXXX, I advised them that this is fraud and that I didn't have any accounts with this XXXX  XXXX  and have been an XXXX customer for over 15 years, with a local agent. 

I advised the company to no longer contact me or make any marks on my personal credit profile as this was fraud, they didn't not communicate with me to obtain and information about the fraud and still continue to add the incorrect account on my file and tell me that they will not remove it. I will be serving them with legal letter today demanding them to stop all collections on this account.

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 2023-07-16
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: Personal information incorrect

Complaint:
Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.

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 2019-11-27
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:
I started a fraud dispute on XX/XX/XXXX for fraud against Florida Department of revenue. Somehow it appeared as XX/XX/XXXX. Now the Florida Department of revenue did not provide facts and continued the fraud and changed the dates and money amounts of the fraud from XX/XX/XXXX {$52000.00} to XX/XX/XXXX {$35000.00}. The Name on that fraudulent account is not mine and has never been mine. I looked up the case file and neither party named is factual there is no such person as XXXX XXXX XXXX the plantiff obligoee nor the person they claim to be me XXXX XXXX XXXX XXXX defendant obligor. So there is no way that this should be allowed and it is blatant fraud. My Name is XXXX XXXX XXXX it has never be changed to any other name. I did not know of this debt they forcefully took payments from my checks. I did not pay them they stole money from me with the fraud.

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 2022-08-29
Company: LDF Holdings, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I tried to contact the company through the website and keep getting 403 forbidden message. I tried to call and couldnt connect to a live person. I was just trying to contact them for an extension in repayment and now Im concerned that I wont be able to repay early and I will be responsible for all the interest, which is A LOT!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation