BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-11
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid off my mortgage with Suntrust Bank. They were supposed to sent me the remaining Escrow amount of {$14000.00} via regular US postal mail. They told me that the check was sent in the email on XX/XX/2020, but no check was received by me. 

I requested to stop payment and reissue the check but they refused to do it before 30-day after the first mailing of the check. They didn't even want to put a stop payment to avoid possible fraud. They insist on sending the replacement check by same method i.e. regular US postal mail and can't guarantee the delivery or any fraudulent use of  the mailed check. They refused to direct deposit it in an account with Suntrust from which they were taking mortgage payments automatically and the payoff funds were wired to 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 2017-05-01
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My comp any has a Small Business Acc ount with  TD  Bank and I believe their banking practices are deceptive.     Pag e ( 1 ) On  X/XX/17  a  deposit of {$1500.00} was put in the " CASH '' column and ALL the funds were shown as " Available '' in the " BALANCE COLUMN ''.   Page (  2 )  On the morning of   X/XX/17     I personally cashed check #  XXXX  for {$500.00} at the  TD  branch in  XXXX   XXXX , FL and the teller never indicated the funds were not available.     On   X/XX/17  I  logged on to my TD account and noted the overdraft of {$140.00} ( date   X/XX/17     ) and my check #  XXXX  for {$500.00} clearing on   X/XX/17     with a balance of {$740.00} ( balance was {$1200.00} BEFORE  TD  took the {$140.00} overdraft ).     I called  TD  's  XXXX  number on   X/XX/17  a nd initially spoke with the first person that picked up, then after an extensive conversation was switched to a manager. I do not recall their names. I told the Manager I believed they way TD reports funds is a fraud and why do they not list all deposits ( except cash ) as " Pending ''. She gave me the 'typical ' answer about only giving {$100.00} credit and that all checks need a day or more to clear. I already knew that ... but if it had been a cash deposit funds would be available immediately.     There were no 'brackets ' around the overdrawn items ... {$140.0 0} (  {$35.00} per item.  ) Page ( 3 )  O n  X/XX/17  (  my printout of   X/X/17     ) the  TD Manger agree d to refund the {$140.00} charge. Note that on   X/XX/17   there was another deposit of {$1700.00} put in the " CREDIT '' column, but again it 's really not a full credit because the deposit was a check. However their printout shows that ALL of the funds were available.     I believe this is a very deceptive practice on the part of  TD  Bank to print the fact that the funds are available when they are not. Any funds deposited, with the exception of cash, should be indicated as " PENDING '' and not make their clients guess when deposits will actually clear. Now I am forced to add up all of my charges and make sure something has been added to the " Todays ' Beginning Balance '' page.     Each time my  Manager  deposits a check I now need to call him to see if it 's cash or a check. I do not operate in our  XXXX  office and my Manager many times is on a job and unable to take calls.     How difficult can it be to say "  PENDING  '' ... in my opinion ... very deceptive and of course more funds for TD.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
There were unauthorized transactions on my Wells Fargo debit card from approx. XXXX XXXX through XXXX XXXX. The loss prevention department has issued a provisional credit for a portion of the charges. They issued only partial credit because at the time, some of the fraudulent transactions were pending. I am expecting another credit for approximately {$50.00}. Wells can not give me a timeframe as to when this credit will be posted to my account. In part due to Wells Fargo 's misfeasance, I am now homeless. I do not expect the bank to provide housing, but I would like a clear and definitive answer as to how long it will take to receive the money. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
wells fargo took a deposit from me on XXXX/XXXX/16 to this date they still have not released my funds they have bounced XXXX checks, and charged me {$70.00} according to bank check was drawn on it cleared their account XXXX/XXXX/16 so wells fargo has had this money in their account for 10 days and have refused me access I have had an account with this bank for over 15 years no one from wells fargo is interested in helping me they need to be held accountable for this and I am sure many other banking transgressions

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-19
Company: FORD MOTOR CREDIT CO.
State: NY
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
From the Desk of XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX Email : XXXXXXXXXXXX XXXXTo Whom It May Concern, I am writing this letter in the hopes that you will help me with this unfair and overwhelmingSituation that I find myself in. I believe now that these original consumer lease agreement that was granted to me by Ford Credit Company was illegal and violated my rights as a consumer. I will list below some of the issues and facts that are the most obvious and reference. 

The Ford Dealer and the Company Ford Credit discriminate me by my national origins offer me XXXX flipped loans with terms that are less favorable, like a higher interest rate. 
The company flipped my cars 3 times and the last time it was a lease .I got a Ford Explorer XXXX for 24 months lease terms. 
The payments were very high at the end of my Lease after 24 months Ford Credit told me that I have 36 months. I asked them that it was not what I signed it in the Ford Dealer. 
The Ford dealer closed it. Now Ford Credit has those Predatory Lending contract with the 12 months added by the dealer that now it is not in Business for fraud and malpractices. The Dealer represents Ford Company as a Franchise. Ford Credit has the predatory lending contracts. I am paying for every month to Ford Credit, not to the Dealer. 
The company offer me in market the same car a Ford Explorer with a lease for 24 months for {$220.00} per month. My lease was 24 month for {$470.00} per month and also the Ford Dealer and Ford Credit added another year.I am paying almost XXXX around 50 % interest compare with the prices in the market. 
It looks to me like a Predatory Lending in a car lease and flipping of Car Loans. 
I need the reimbursement me for the high interests that I did pay already for my lease. 
I need assistance from the Financial protection Bureau to stop the harassment, abuse and stop the treats of legal retaliation in my credit report. The Lease is over paid. 
Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My bank america account had fraud done to it in 2016 and Bank of American never resolved the issue. I sent them everything they needed and I cooperated every step of the way and they never resolved the issue because they didn't find any evidence of fraud supposedly. They state that I owe them over {$10000.00} for something I had no control over.

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 2020-08-11
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 have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts and inquiries that are on my account that are not mine. 
I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts and inquiries, and remove them once its confirmed that they are not mine.

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 

It could also be possible you are mixing up these accounts with someone that has a similar name as 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 2020-08-11
Company: Alpha Recovery Corp
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Alpha Recovery Corp XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX Did give out my personal information ; date of birth, last four of  my social security number, on a recorded line, without properly identifying.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-10
Company: ALLY FINANCIAL INC.
State: OK
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I checked my credit monitoring report via XXXX XXXX and saw that ALLY Financial had instituted a " hard inquiry '' for a national credit card/airlines on XXXX/XXXX/2015. I never authorized or applied to Ally Financial for a airlines credit card. I never gave them authorization to pull a hard inquiry on my credit. This is the first reporting of this inquiry from XXXX/XXXX/2015 on XXXX XXXX. I check my credit every week thru the XXXX site and I would have seen it earlier if it had been reported. I want this hard inquiry removed from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: Risecredit, LLC
State: ND
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
I wanted to take a loan to fix my car from an online source called rise credit. I knew that the Apr. Is extremely high so I wanted to pay it back in 3 months instead of the 16 month schedule they offered. How ever, I still was being cautious and wanted to know what exactly would be due in total if it was only 3 months of interest. They explained that the interest will vary depending on the principle Balance and they would n't be able to determine how much would be left on the principle. I spoke to XXXX different agents and both gave me vague and round about answers and really were pushing me to take the loan " the interest will drop dramatically after the first payment '' but would not give me an amount. I told them on a XXXX loan I wanted to pay XXXX in 2 weeks, what will be the principal Balance? Would not say. Said they can not look that up. I think it is unethical to refuse the payment Balance on a schedule that the consumer would like to utilize. I did not go through with the loan because I am not in a position to get in an unknown debt total. What is concerning to me is the many people out there who are in a desperate situation and get pushed into a loan they can not afford thinking they can because they plan to pay it off fast but then end up in the black whole of debt. Rise Crdit needs to provide answers to questions about paying back loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: HYUNDAI CAPITAL AMERICA
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
hyundai finance uses discriminatory tactics to make rate decisions, the company uses the relationship of dealerships as a basis to discriminate on their customers. they take equal credit profile people and make rate concessions and adhustments according to the dealership they visit. for example i was forced to give better rates to customers with worst on exact profiles than the next customer just on basis of dealerships as opposed to the merit of the customer

Company response to consumer: Closed
Consumer complaint received 2022-01-28
Company: Consumer Adjustment Company Incorporated
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent out letters to the creditor they have not responded the credit failed in validating the debt prior to reporting it on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XXXX XXXX XXXX Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent XXXX attorney in fact, so be it. Whereas I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. Fact, XXXX is aware and has proof in attachment labelled as Exhibit A that XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOUTHEAST TOYOTA FINANCE is in violation of 15 USC 1605 ( a ) ( c ). This transaction included a finance charge and the finance charge includes insurance which protects the creditor against the obligor 's loss, and or property damage. XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOUTHEAST TOYOTA FINANCE, did not include my insurance in my finance charge. Fact, XXXX is aware and has proof in attachment labelled as Exhibit B that XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOUTHEAST TOYOTA FINANCE is in violation of 15 USC 1605. A finance charge is the sum of all charges in a consumer credit transaction and it does not include cash, XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOUTHEAST TOYOTA FINANCE, in fact XXXX cash as shown in attachment labelled as Exhibit B. Fact, XXXX is aware and has proof in attachment labelled as Exhibit C that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOUTHEAST TOYOTA FINANCE, in fact called my telephone over 19 times with the intent to annoy, abuse or harass me, under the provisions of 15 USC 1692 ( d ). SOUTHEAST TOYOTA FINANCE, in fact called me numerous times in an attempt to collect a debt. Fact, XXXX is aware and has proof in attachment labelled as Exhibit A and Exhibit B that XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOUTHEAST TOYOTA FINANCE, is in violation of 15 USC 1611. XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOUTHEAST TOYOTA FINANCE, willfully and knowingly failed to provide/ disclose information required under the provisions of 15 USC 1601. They are now civil and criminally liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30
Company: Account Discovery Systems, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep receiving phone calls at my place of work from this company called Account XXXX. That have interrupted my job and other duties at work. I do n't know who this company is or what debt they may be trying to claim that I have with their company. They called from this number XXXX and left a contact name of a XXXX XXXX, a woman left this name on the voice-mail message, but then left this number XXXX to make a return call. This is harassment I would like something done about this. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: GMA Investments, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
repeatedly calling my place of employment after being told to stop regarding a debt that is unknown to me, also has been using the name XXXX  XXXX

Company response to consumer: Untimely response
Consumer complaint received 2022-01-28
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:
Hello, I am writing to file a complaint against the Credit Bureaus for numerous FCRA violations on my credit report. First is for Chapter 13 Bankruptcy. For one, the information reporting is incorrect. The date file isn't consistent across the board and its showing the incorrect court name. If I am correct under FCRA everything reporting has to be 100 % accurate. I have sent over 6 rounds of letters and they have ignored my request which is a violation. Also, I reached out to the courthouse and they advised they DID NOT release my personal information out so they have lied about their method of verification. I am upset the credit Bureaus are falsely verifying and reporting this! Delete this from my credit report as once because I have the right to exercise rights as a consumer and challenge any negative item on 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 2020-11-19
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2018 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: EQUIFAX, 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:
Unauthorized accounts that I never opened are being reported : XXXX XXXX Opened : XX/XX/XXXX {$2500.00} XXXX & XXXX Opened : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: Aspen Yo LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On or about XX/XX/XXXX, Gregory Funding LLC ( " Gregory '' ) acquired the servicing of the subject mortgage ( the " Mortgage '' ) from XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) ..The Mortgage was modified by a Modification Agreement dated XXXXXX/XX/XXXX ( the " Modification Agreement '' ), a copy of which is attached to this complaint. The crux of this complaint arises from the interpretation of the Paragraph 3C of the Modification Agreement, which appears on pdf page 9 ( page 2 of 2 ) of the Modification Agreement, This Paragraph provides for a {$77000.00} principal reduction ( the " Deferred Principal Reduction '' ), one third of which shall be granted in the " first, second and third anniversaries of XX/XX/XXXX '' of the Modification Agreement, " provided I am not in default of my new payments SUCH THAT THE EQUIVALENT OF THREE FULL MONTHLY PAYMENTS ARE DUE AND UMPAID ON THE LAST DAY OF ANY MONTH, ON EACH OF THE FIRST, SECOND AND THIRD ANNIVERSERIES of XX/XX/XXXX [ emphasis added ]. '' Because of a change in bank accounts, the prior servicing agent ( XXXX ) did not process the XX/XX/XXXX payment until XX/XX/XXXX. Gregory has interpreted this one late payment to constitute a default under the terms of the Modification and refuses to grant the second portion of the Deferred Principal Reduction, constituting the sum of {$25000.00} ( one-third of {$77000.00} ). Gregory claims that since the XX/XX/XXXX payment was processed three months after the due date, I was in default of three full monthly payments, even though I paid the XXXX and XX/XX/XXXX and the XX/XX/XXXX payments when due. Despite numerous telephone conversations and letters, Gregory improperly refuses to grant the {$25000.00} principal reduction. I have attached my letter to Gregory dated XX/XX/XXXX ( see the date the top of page two of the letter ), Gregory 's response letter dated XX/XX/XXXX, and my attorney 's letter to Gregory dated XX/XX/XXXX. Neither my attorney nor I have received a satisfactory response to these letters or the requested principal reduction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Transunion score is 60 points kess that XXXX and XXXX. They have tge same information.

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