BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-08
Company: SUNTRUST BANKS, INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I am currently a Suntrust Customer. 

On XX/XX/XXXX my XXXX XXXX XXXX Retirement was deposited. 

On or about XX/XX/2020 I had some movies that were over due with XXXX XXXX which debited my account {$95.00}. 

This started a down hill spiral with my account. Suntrust has let my account continue to have charges debited from my account even though the funds were not available in the bank account, Each time the paid a debit that I did not have funds sufficient enough to cover the charges. They paid them and charged me {$36.00} each time, These transactions they paid even with the funds not being available, Has now cost over {$280.00} in total fees they have charged me. Not a single text or phone call email NOTHING, to let me know the account was over drawn. 

I went to the branch in XXXX NC Suntrust Bank XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX in Retail Banking she indicated that letters were sent out in regard to the overdraft, AS of XX/XX/2020 I have not received any letters in regard to my account being overdrawn. 

This seems like an abusive practice to me, Why did they continue to pay transactions when the money was not in the account. This was 8 transactions from XX/XX/XXXX to XX/XX/XXXX. 


I tried to file a compliant on the Suntrust On Line Compliant.  After answering all the questions and submitting the form. The screen told me to call an 1800 # I called the 800 number, They left me on hold for 68 minutes trying to locate a supervisor. This was unacceptable for me to hold that long. 

I feel Suntrust financially abused me and has taken close {$300.00} from my fixed income account and did so with out even a phone call! The lady XXXX told me they were not allowed to call me. This comment was a shock since they have called me in the past regarding purchases I made. 

Thank You for any help you can provide in this matter 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 monetary relief
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
In accordance with the Fair Credit Reporting act XXXX  XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX BANK ACOOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, AND XXXX XXXX XXXX ACCOUNT # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-06-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
All 3 bureaus have been reporting an account with inaccuracies for a while and I have disputed it with all 3 at least twice before and they refuse to comply to the FCRA. 
1. This account states it has been settled. Under the FCRA 15USC 1681 602A I have the right to privacy and under 15USC 1681 604A Sec2 You are not allowed to furnish an account without my written consent and instruction. 
XXXX XX/XX/XXXXAccount Number : XXXX Delete this account, you have not been given consent or instructions of how to correctly report this account. It is inaccurate such as the dates of activity reporting differently between you and the other bureaus. This account has multiple FCRA violations, delete it! 
I gave them no permission or instructions for this account which is inaccurate down to the different activity dates, dates of last payment, date of account starting etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
State: DC
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:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX BANK ACOOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, AND XXXX XXXX XXXX ACCOUNT # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: Financial Credit Service, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a phone call from ARA, lnc. ( Asset Recovery Associates ) onXX/XX/XXXX phone XXXX on my cell phone at XXXX XXXX. XXXX, with ARA said she was calling to collect a debt I owed for a XXXX account with XXXX XXXX XXXX in XX/XX/XXXX-XX/XX/XXXX. I told her I have always paid all my bills and I do not owe any money to XXXX XXXX XXXX and my credit score is very high. She asked if I went through a divorce in the XX/XX/XXXX and maybe the bill was my ex-husband 's and I did n't pay it. I said it was none of her business if I was divorced or not and that she must have the wrong person. She said my social security number and said something was sent to my previous address ( from 9 years ago ). I told her that was not my address anymore and I had n't lived there in years. She then said my current address. She said they were going to file a judgement against me. I asked her how much she was claiming I owed and she said {$11000.00} from the XX/XX/XXXX 's but with interest and fees of {$16000.00}, the balance was {$27000.00}. I told her that was impossible and she would have to send me an itemization of the charges. She said I would have to contact XXXX XXXX XXXX to see if they archived the statements for the account. I told her I thought this was a scam and she got very rude. She said if she was a scammer with my social security number, she would be opening credit card accounts in my name and using them to make money. I asked again for something from XXXX XXXX XXXX, stating that I owe them money. I said the debt she was talking about was so long ago that it was n't on my credit report and I did n't think it could be collected, even if i owed it. She said she would send me a letter via XXXX to my home. I received the XXXX letter today with a XXXX XXXX XXXX Account number stating that ARA has agreed to a settlement of {$5600.00} to be paid by XX/XX/XXXX and when paid they would not report derogatory information to the credit bureaus. If not paid, the full balance of {$27000.00} will become due. I read online that XXXX XXXX XXXX became inactive as of XX/XX/XXXX and merged and is operated as part of XXXX. I also read lots of complaints about ARA, Inc. making these harassing calls, with no right to do so. It is my understanding that the statute of limitations in Texas is 4 years. Even if this debt is legitimately due, the statute of limitations for debt 25 years ago has expired and it is my understanding they ca n't call me to try and collect it. What do I say to this company when they call again and what my recourse to keep them from harassing me? Is this even legal? It seems like a scam. Should I notify credit bureaus that this company has my social security and other confidential information? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I made a transfer from my XXXX XXXX XXXX checking account to my HSBC savings account using online banking ( bill pay ) as I have done for years. The {$3000.00} was deposited in my HSBC account and then they took it out charged a fee and sent a check to me marked " refer to maker '' on it. I took that to a XXXX XXXX XXXX branch and they deposited it into my XXXX account. Then a few days later it was taken out of my XXXX account again with a " refer to maker '' error. I again went to XXXX to get information and they put in a request for research. I then had a rep from XXXX contact me and state that they are doing a treasury trace but that HSBC presented the check to the treasury 4 times and that they still had the {$3000.00}. XXXX has been attempting to contact HSBC to get them to research it to no avail as they state the money is with XXXX XXXX XXXX. This has been going on since XX/XX/XXXX and I feel that I have been defrauded out of XXXX since each bank is blaming the other and no one can seem to get my {$3000.00} back into either account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I fell victim to a multilayer scam operation. I was introduced by a friend on XXXX to XXXX XXXX XXXX, a crypto exchange platform. This is a link to her XXXX profile : https : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Unfortunately, I have reported to XXXX and fraud FTC website XXXX the scammer and the website, XXXX, has not been taken down. Then in late XX/XX/XXXX, I started to transfer my money from my bank account, JP Morgan Chase, via ACH and through intermediaries named XXXX XXXX and XXXX XXXX in the total amount of {$36000.00} USD. The platform is just like any other crypto exchange platform, making me think it was legit back then. Then in XX/XX/XXXX, I was trying to withdraw some money from my account, and they rejected my request. Before I can withdraw my money, they want me to pay them the fund security management fee and taxes. From there, I realized I have been scammed and they never transferred

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: AR
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:
In accordance with the Fair Credit Reporting Act Collection  Account XXXX XXXX XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written consent

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 2022-01-28
Company: AmeriHome Mortgage Company, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
When you build a home from the ground up in the State of Maryland there are two ( 2 ) sets of taxes you pay at closing. Land Tax and Dwelling Tax. Because the Dwelling Tax bills are never ready at closing, the mortgage companies often estimate how much your Dwelling Tax Bill will be and put that in your closing costs. For us, they estimated {$3900.00}. The Settlement Company holds onto that monies for up to 45 days after closing waiting on the Dwelling Tax Bill ( which they call a supplemental tax bill and which the state calls a Consolidated Tax Bill ). If by 45 days after close the bill isn't rec 'd the Settlement Company sends you the money back and advises you to hold on to the money for when the bill comes. We got the Dwelling Tax bill on XX/XX/XXXX. I submitted the bill and made an online escrow payment of {$3500.00} to AmeriHome and asked them to use the remainder of what was in my Escrow Account to pay for the tax bill which is a total of {$5500.00}. On XX/XX/XXXX, I put in a status inquiry and was told that I already paid the taxes at settlement. They confused the Land Tax with the Dwelling Tax. I submitted the bill again and told them to pay attention to the XX/XX/XXXX due date and that I wouldn't have a due date on a bill if it wasn't due. Additionally, I reminded them if it was a tax statement would say this is a statement accounting and not a bill. On XX/XX/XXXX, XXXX rec 'd a call from someone at AmeriHome telling me that my taxes were paid. On XX/XX/XXXX I rec 'd another bill from our county tax office stating the bill was not paid, the bill is now {$5600.00} and that the county is in the process of placing a lien on my home because AmeriHome has not paid the taxes. I contacted AmeriHome on XX/XX/XXXX and spoke with XXXX who indicated that on XX/XX/XXXX ( see the date changes ) AmeriHome sent a wire transfer to XXXX to pay my taxes via check. The tax bill rec 'd on XX/XX/XXXX states that AmeriHome only paid {$410.00}. I'm now delinquent and owe {$5900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: LEXISNEXIS
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Notified XXXX XX/XX/XXXX, and sent another dispute in XX/XX/XXXX of a public record/employment record showing up on their credit report as not accurate. I asked for deletion, if documentation could not be forwarded to me, instead of hard documents, they simply stated they received the information from a 3rd party ( lexis-nexis ) ... ... The problem is it 's not mine. They know it 's not mine, because they ca n't even send documents!!! I never owned any property with back taxes in California, or any other state/country. They are listing this information based on a computer " probability '', and not based on any physical absolute, hard documentation with names/signatures. Image 3781 attachment : Is FROM Lexis-Nexis. As you can see ... .NONE OF THAT INFORMATION MATCHES. Not my name, not my address, not even the case # 's of this mystery lien.This is unacceptable that privately held companies by the name of CREDIT REPORTING AGENCIES, in our country can just place things against consumers ' names, and WE ARE THEN LEFT WITH PROVING IT IS NOT REAL ... ..WHEN IT WAS NOT REAL TO BEGIN WITH!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Experian Information Solutions Inc.
State: IN
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:
Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2022-06-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1692g. Validation of debts violation did not validate debt as of XX/XX/XXXX. 1692f. Unfair practices 1692b. debt has been disputed within 30 days after I received notice. Filed multiple complaint with CFPB. Last response was received to the complaint was on XX/XX/XXXX they have no records. Violation of 20 US Code 1234e- Cease and desist law Receiving multiple phone calls after cease and desist letter was sent. Violation of The Privacy Act of XXXX Disclosing our personal records to XXXX XXXX XXXX, XXXX XXXX CA XXXX. After they failed adit violation they state it was due to National Change of Address and now thye anditted in XXXX XXXX it was data breach. 
Name of XXXX XXXX XXXX XXXX is not clear when I called on the number they do not know who who this entity. This company is in TX but fax number is in CA. But the company name I called number is XXXX XXXX  XXXX. No names on the notice to call any question for question. Notice that was mailed had no returning address. Only at one return mailing address stated but return mailing is XXXX XXXX XXXX. Documents inside was from XXXX XXXX XXXX  and blacked out that no one can read. Recording with county recorders office to sell property is wrongful foreclosure recoding since they can not validate the the debt and have no records. Perjury its been sated I was provide CA work out solution and other CA laws is false. No such things took place. At one stage they modified the loan and I requested to remove escrow account since they no records this was refused. I sated I am not refusing loan modification. They sated they pried close to {$30000.00} in escrow account in less 8 months is perjury. Loan was purchased in XXXX, XXXX and property tax is {$2000.00} year. 

Perjury its been sated I was provide CA work out solution and other CA laws is false. No such things took place. At one stage they modified the loan and I requested to remove escrow account since they no records this was refused. I sated I am not refusing loan modification. They sated they pried close to {$30000.00} in escrow account in less 8 months is perjury. Loan was purchased in XXXX, XXXX and property tax is {$2000.00} year.

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 2020-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I went through a hard time in my life, I lost my job and I was spending the bulk ok my money on my family and making sure we survive. I let one payment lapse in this past XX/XX/2018 on this account with XXXX XXXX/XXXX but when I was able I paid the account and brought it current. This was the following month, I paid for it and would like for them to update this account by deleting that one late payment. It's being reported to all three bureaus XXXX, XXXX, and XXXX. It is killing my chances of getting a home. I have repeatedly called them and sent goodwill letters to try to get to update the late payment history on this account. I will attach a picture of my payment history that shows me missing that one payment and have been current ever since. And I would truly appreciate this and would be able to put my family in a better 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 2022-01-28
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Since XX/XX/2021, I have been unable to access my Equifax credit report. When I login to view my report it is completely blank and all fields have a zero, accounts say none are in existence and there is no history to be found. When trying to refinance my mortgage for the past XXXX months banks are unable to approve me for a mortgage loan due to not being able to access a credit report. My credit report shows as not available and Equifax refuses to fix this. I have called and opened a case and the case was closed with the excuse being that I have to pay for a copy of my FICO score. This is not about FICO scores or any type of scoring model but rather my actual credit report disappearing and being deleted by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: STERLING JEWELERS, INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In XXXX 2016 I had a child and fell behind on bills due to not working and only receiving 50 % of my regular income Kay Jewelers called me every single day and kept telling me that they were going to continue to call me and I kept telling that I do n't have the funds to pay and I would have to pay my rent in order to keep having a shelter for myself and my family they continue to call me I asked him to stop calling me they then pursued my mother my sister and told them that to contact me by that time my whole family knew that I had a debt I was truly embarrassed and could n't believe that they would continue to call me after I had already spoken to I believe two supervisors in two different agents I did set up payments with them only because I was so embarrassed and had no idea that this website existed I 'm only reaching out because if there 's other people that are going through the same exact thing our voice needs to be heard we should not be harassed if they understand that there 's a situation going on they should wait or put at least a cease-and-desist like I had originally asked them and they continuously told me that nobody noted that that is not my fault someone needs to be coached on how to deescalate a situation or find a resolution at the first call and not have to continuously call the person and know how to put a hold date on that person 's account before contacting them again

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On numerous occasions Credit Acceptance has used abusive, false and misleading collections practices, all in an effort to bully me into paying a debt I dont owe. Theyve refused verification of debt acknowledgment 's according to 15 USC 1692g. The process only verifies that Im the original creditor. Theyve slandered my name and posted negative information to my consumer report, which is a direct violation of 15 USC 1666b and 1666a.

Recently they tried to repossess my vehicle and force me to renter into the same alleged contract which contains blatant violations of TILA, FDCPA, FCRA and empty disclosure 's in an attempt to harm me financially the consumer/natural person. The most recent violation are Harassment and Abuse 15 USC 1692d ( 1 ) ( 2 ) ( 3 ) ( 5 ) 15 USC 1692f ( 5 ) ( 6 ) Unfair Practices all violation to federal consumer debt collections laws.

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