BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-15
Company: FIRST HORIZON BANK
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
First Horizon Bank in XXXX Tennessee confiscated over {$1.00} XXXX of our XXXX XXXX XXXX  ( XXXX ) funds without communication. ( XXXX is a XXXX XXXX XXXX XXXX serving XXXX Tennessee since XX/XX/XXXX). Months later we learned that XXXX XXXX  falsely claimed our XXXX XXXX XXXX XXXX  had not used PPP funds properly. After we proved that we used the PPP funds correctly, XXXX XXXX  has failed to put our money back into the account and closed the account. 

This amounts to bank fraud and negligence and has caused our XXXX XXXX to close while 36 employees and workers to lose their jobs all during the Covid pandemic. XXXX operates 4 locations XXXX XXXX XXXX XXXX XXXX. This illegal action by First Horizon Bank has caused a delay in XXXX XXXX to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This action by the XXXX XXXX  has caused irreputable financial damage to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  failed the " know your customer rule '' and never looked in the other XXXX bank account " operating account '' where most of the activity occurred and where the payroll was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: CL Holdings LLC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I paid off a mortgage with Fifth Third Bank, XXXX, Ohio. 

They received the payoff on XX/XX/2016. There is additional funds due me thru Escrow and Principal. Called the company to find out why this money has not been forwarded to me and I get some excuse of waiting 10 work days before they can send out the money due me. This is my money not the bank I expect this money to be refunded to me asap and now with interest. They charged me interest on their money and now I am charging them interest on my money. Why are banks allowed to get away with keeping other people 's money. If it was there money, the bank would want it that day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I will like to file a complaint against Navy Federal Credit Union. They closed all my checking account and credit cards due to me signing my grandparents up for a new account using my phone. I am unable to use my account or access my credit cards. They closed my account without any knowledge. I tried to fix this problem over and over again. They are expecting me to payback these credit card without be able to use them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: EQUIFAX, INC.
State: TN
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:
On XX/XX/2020. I called Equifax to asked them why the XXXX 's account was closed on my credit report and had a comment that stated, " Account paid after foreclosure started '' on the account. When the customer service asked me where I pulled the credit report from and I told her from Equifax.com, and I am a Equifax Complete member. The representative stated to me that she doesn't see that the account is closed and it open on her end with no comments. Equifax customer service asked me to call XXXX 's to asked them about the account. I called XXXX 's and they told me that my account is in good standing with a {$0.00} balance. So I called Equifax over the course of three time in the week beginning XX/XX/2020 with no resolution to my problem. XXXX 's said that they will file a dispute but I told them that I do want them to file a dispute, because I will be applying for a mortgage soon. I feel like this something that should be settled quickly and it should not take 30 days to do so. This is Equifax mistake and they need to take ownership of it and correct the problem. This is only showing up on my credit report through Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In my annual escrow account statement, my servicer Freedom Mortgage claims that the maximum lowest balance of XXXX of annual disbursements is a required minimum. They correctly cite federal law saying the lowest balance should not exceed this amount, but then they change language and call it a required low balance. I believe they are using the imprimatur of federal law to coerce customers into paying more into escrow accounts so they may have use of this excess escrow reserve interest free. At no point in the coming year does my projected escrow balance fall below the amount needed for disbursements. I have requested to cancel my escrow account. But, I do believe the language of this statement is intentionally misleading and as such the CFPB should take action. 

Sincerely, XXXX XXXX XXXX XXXX, CA

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 2016-11-23
Company: General Motors Financial Company, Inc.
State: NM
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had purchased a vehicle earlier in 2016. I traded in the vehicle later in the year. The company with whom I conducted the trade with made a very big mistake with the pay out and did not put the proper VIN number to the payout check. Months had passed before the mistake was caught and all the while the company with whom I was receiving the vehicle loan was marking me for non-payment, while i was already paying on the newer vehicle. They reported my account as a delinquent account. When the mistake was finally caught and the payout became successful it was clear that the reason for the delinquent account was of no fault of my own but caused from a human error coming from the car sales company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: COAST PROFESSIONAL INC
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I received a notice from Coast professional that read if you wish to repay this debt voluntarily, you must contact our representative with 15 days of the notice. I did just that and after negotiating a payment plan, I was told it would not avoid wage garnishment. I agreed to the payment quoted and a manager got on the line to advise that i still would be garnished. I 've met both deadlines so I 'm unclear of why the letter is so misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: EQUIFAX, INC.
State: TN
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:
To Whom It May Concern : I have received a copy of my free credit report, and have tons of inquires that were done by a car-dealership in which I personally did-not authorize at all. 

I have attached a picture of my ID, and proof of address so that you the reporting CB can verify me. 

I'm asking that you reach out to the company who pulled my credit, and request proof that they have my authorization to have pulled my credit report from the following methods A ) a signed letter. 
B ) a recorded phone call. 
C ) video surveillance of me authorizing the inquires. 

While I was inside the dealership, I only AUTHORIZED XXXX XXXX, not their furnishing network to have pulled my credit. This is my written request to demand, that you look in-to this issue as soon as possible and provide me proof of how you investigated, and how you determined that I authorized the companies listed below to pull my credit. 

They are as follows : 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  Dba XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX No forms of credit have been established with any of the creditors above, so I ask that you investigate and remove them for my report otherwise you will be in-direct violation of FCRA statues, and limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Home mortgage in XXXX Georgia was financed thru XXXX XXXX XXXX. In the beginning of XXXX, 2016 XXXX XXXX XXXX notified me that my monthly payment was reduced by {$300.00} due to a reduction in the property tax escrow amount ... ..the escrow payment for taxes caused the payment to go from {$920.00} to {$620.00}. I also received a refund from XXXX XXXX XXXX for the excess money that was in the tax escrow account. Shortly after all of this XXXX XXXX XXXX sold the mortgage to Loan Care. I was notified of the transfer in XXXX. Their records did not reflect the reduction in the payment due to the property tax amount. I sent them the first payment in the lower amount with a copy of the XXXX XXXX XXXX letter regarding the reduced payments. A phone call prior to mailing the payment to a representative was not beneficial at all. They stated all the information was not downloaded into their system. They would get back to me in 7 to 10 days. No one from Loan Care has responded. However, I have received additional letters demanding full payment ( {$920.00} VS. {$620.00} ). I received a letter from them indicating my account is 2 months in arrears and I can face losing my home. 
I am enclosing a copy of a certified letter that I mailed to Loan Care last week. I have not had any response other than the letter demanding full payment for two months.

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 2017-05-26
Company: Weinberg Mediation Group LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On  XXXX   XXXX  the  Weinberg Mediation group left a message with my social security number, my birthday, and a false docket number on my parents voicemail. They stated that I needed to call to resolve a debt. I called the court to which they said this docket number existed and they said that is not their docket number. When I called the Weinberg mediation group myself to see what this was about they were threatening and even went as far to tell me they were lawyers and they know people in my county ca n't pay their bills. They also told me I have children and should be ashamed of myself. When I told them what information I found about what they are that they are not lawyers they told me they were glad I could read and used vulgar language. They call 4-5 times a day to my phone and my parents phone  leaving threatening messages. When I asked them to send me something in the mail they said they did n't have to.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Made final payment on two separate accounts with Midland Credit Management. Requested written confirmation showing both accounts were paid in full. To date, I have not received the letters and called several times unsuccessfully to reach them. All numbers which are on the website were non working numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: SUNTRUST BANKS, INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Select Checking account at Suntrust, XXXX NC on XXXX XXXX, 2017. There is promotion associated with this account. The detail of the promotion is in the attached file. After meeting all the requirements. I did not receive any promised bonus. I have contacted the bank several times. First they said I did not provide US address and SSN, which I did provide when opened the account. Then they said they would investigate the case. After that they did not provide further information or solution.

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 2020-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing this due to non compliance with CRA TransUnion. 

They have failed to remove information that has been identified as identity theft. I have attached supporting documents ie police reports, identity theft reports, and proof of identity all sent certified mail to TransUnion. I strongly believe that they are in violation and are outright refusing to uphold the law.

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 2022-03-25
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Someone stole my identity and applied personal loan by lender called 'Oportun ' And they loaned {$3000.00}. I don't recognize this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25
Company: CITIBANK, N.A.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Nothing and these people are still using my identity getting auto loans transferring money from XXXX to the banks the have my XXXX report on freeze and I have received a verification code from XXXX and can't log in so this means a credit freeze doesn't work it's really your enemy because u can't see what people are doing with your name I have mortgage student loans and so many credit cards but I'm XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and a XXXX person is on my account Citi Bank in XXXX XXXX XXXX XXXX Texas and XXXX Florida just had two money transfer and there's a whole lot more jewelry and way more stuff and why is my XXXX blocked from me anywhere or any computer I use doesn't make sense so u telling me they can just keep using my identity I have police reports in I filed deputes with the 3 credit bureaus and they still using my identity my social security number has been completely misused my name is XXXX XXXX XXXX and and I'm a victim of a huge hacking crew my whole identity is over with XXXX XXXX Arizona XXXX XXXXXXXX XXXX XXXX Citi Bank Texas XXXX XXXX XXXX Tennessee XXXX transaction XXXX Tennessee

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 2022-08-15
Company: United Accounts, Inc.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was stolen and fraudulent accounts made in my name by person who I have a permanent protection order against. It is being investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Hello, I have been in dispute with XXXX account on my Equifax report, The accounts are as follows : XXXX XXXX XXXX ref # XXXX, XXXXI have filed a complaint with the CFPB regarding these account with no response from XXXX XXXX XXXX, I have attached the full communication between XXXX XXXX XXXX and myself. No validation has been provided and I want these accounts deleted from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: Security Auto Loans, Inc.
State: MN
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
My wages was garnished by a company called Security auto loan first back in XXXX  I contracted the company on the behalf of the garnishment at that time I was informed that they have no record of me or an account showing I owe a balance. I checked my credit report and disputed the item and the item was removed per company could not provide documentation proving that I am the debt owner. As I check report the the debt is in a different name. I continued to contact company from XXXX in regards to the funds stolen from my wages as I am a single mother of XXXX that can not afford to have a mixup like this. The company provided no help in getting me my funds back. As I contacted my payroll department they informed me that XXXXXXXX XXXX XXXXXXXX is who I need to speak to. I have never heard of this company I have tried to contact the company but no XXXX they just was trying to get my personal information which also put up a red flag. So now that the item was removed from my report per lack of proof and also never receiving any documentation advising of the garnishment I have tried to contact different agencies to help with the fraud this company is doing. Recently my wages was garnished again by the same company after 4 yrs and I tried to contact security auto loan again but now the company no longer exist I am connected with another company which again I am informed that they have no record of me having an account nor owing any funds. I have requested proof of debt owing from company which does not provide proof of my address only but actual proof of me being the debtor which they could not provide. Security auto loan are no longer on my credit report but I was informed that there is a judgment which is not in my name but attached to my SSN. Security auto loan removed there inquiring in XXXX  which is when the garnishment first started but some way XXXXXXXX XXXX XXXXXXXX is collecting on an account that does not belong to me and refuse to provide proof. I have requested for this to stop per I have never received any legal court documents from XXXXXXXX XXXX XXXXXXXX. I was only aware of this issue per the garnishment and my payroll department informing me of the company requesting and taking my funds.

Company response to consumer: Untimely response
Consumer complaint received 2022-08-29
Company: Wilber and Associates, P.C.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from a collections agency stating that I owed an auto insurance company money from an accident that I was never involved in. I called the collections agency to tell them about my innocence in this case. They provided me with more information and it turns out the I am being misidentified. I have explained this to the collections agency already XXXX times over the phone and they still keep sending me a letter and calling me about what is owed.

Company response to consumer: Closed with explanation