BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-11
Company: CarMax, Inc.
State: NY
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:
On XX/XX/XXXX I was on CarMax looking for a vehicle. Just LOOKING As of today, XX/XX/XXXX, there are SEVEN hard inquiries on my credit report all submitted on XX/XX/XXXX by CarMax. I DID NOT enter my social security number on CarMax.com, NOR did I authorize this company to run my credit SEVEN times with SEVEN different banks. I called CarMax corporate today XX/XX/XXXX after receiving two out of seven letters from auto loan bank companies and one of the representatives had the audacity to ask me for my social security number!! I asked the woman " why do you need my social security number if your company already ran the inquiries without my permission '' and to that, she did not have an answer. I told her I did not feel comfortable giving CarMax my social security number at that point. This should be a quick fix! There is no reason why the company made me jump through hoops and hurdles for an issue that they could fix with the press of a button. I'm a young single mother who is in the midst of repairing her credit. I had a goal to BUY a vehicle in XXXX. But due to CarMax malicious intent, I don't see myself being able to accomplish my dreams sadly. I am completely and utterly devastated at the hit my score has taken because of this

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: U.S. BANCORP
State: TX
Product: Credit card
Issue: Other

Complaint:
When using a Bank XXXX Texas XXXX credit card, I have had several fraudulent or unauthorized charges on it and have repeatedly contacted XXXX by phone, written correspondence and fax. I have told them specifically what charges are not mine. They have repeatedly asked for the same information already provided. The last phone contact was with them 2 weeks ago at XXXX XXXX XXXX XXXX option # XXXX when speaking with the " manager '' who said it would get it straightened out. Nothing has happened. I have alerts on my account for when charges are made and credits back to it. I have only gotten alerts for additional unauthorized charges. I stopped using the card since I had pain in full the charges I made. I have not received any credits to the card alerts. Please make them do what they are supposed to. Thank you. 
In addition to some of the e-mails sent back and forth, I have signed and returned by mail and fax, all the documents they sent me to get this done. They keep saying they did n't get them, etc. when I faxed them and have spoken on the phone to them about them. 

On XXXX/XXXX/XXXX at XXXX XXXX the following message was sent : The following charges do n't belong to me XXXX {$17.00} XXXX XXXX XXXX {$5.00}. XXXX XXXX XXXX {$5.00}. XXXX XXXX XXXX {$2.00} XXXX XXXX XXXX {$27.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$1.00} XXXX XXXX Please credit these unauthorized charges. 

On XXXX/XXXX/XXXX at XXXX XXXX the following message was sent : XXXX XXXX XXXX for {$38.00} - XXXX charges should be credited. 

XXXX XXXX Storage- $ XXXX charged. Already paid XXXX. Sent this info. to you before. 

Thanks. 
XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX at XXXX the following message was sent : This transaction is not an authorized transaction. Please credit this charge. 
Thank you. 

XXXX/XXXX/XXXX AUTH : XXXX *XXXX {$17.00} On XXXX/XXXX/XXXX at XXXX XXXX the following message was sent : I thought you said you already stopped this unauthorized charge. It looks like you have n't done anything on the unauthorized charges with the information and completed form I sent you weeks ago. 
Please note I will not be paying any more credit card bills in full and waiting for you to do your job of removing the unauthorized charges. And, I have stopped using this card and wo n't resume unless and until you have corrected the balance. 
If I need to contact Bank XXXX Texas to get you to do your job, I will. 
As I have repeatedly told you, if you need more information call me. 
XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX CA {$17.00}

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 monetary relief
Consumer complaint received 2021-01-12
Company: TRUIST FINANCIAL CORPORATION
State: IA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I received an email claiming I was late on a payment. I went ahead and paid the past due amount plus what was due the next month. Then I find out a day later that they dropped my credit score 180 points AFTER I made the past due payment. The company acknowledges that my account is in good standing but says that I have to dispute on here to get my credit score back up.

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 2015-04-22
Company: SUNTRUST BANKS, INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I obtained a loan through SunTrust Loan Servicer in XX/XX/XXXX and the account was on Auto draft ever since for full monthly payment ever month. Never late. 
In XX/XX/XXXX as a result of my divorce I asked for a loan modification that was approved in XX/XX/XXXX. 
SunTrust on its own reversed the XXXX payment that was auto drafted a week earlier. I called and argued against reversal with SunTrust 's XXXX XXXX and XXXX XXXX. However, they persistently claimed that for the loan modification to be approved, it needs to show that XXXX payment is not n the record and that it will not effect my credit reports. 

The trial version of loan Mod was successfully completed by XX/XX/XXXX and SunTrust sent a full and permanent loan modification agreement with XXXX mistakes. On XX/XX/XXXX, in the presence of its banking branch VP, I immediately called XXXX XXXX and XXXX BOTH. and persistently told not to make any changes on the agreement - since any hand writing besides signature and notary would void the document. The rep, told me that a corrected set will be sent within 7-10 business days. However even when I contacted XXXX XXXX on XX/XX/XXXX, she stated that " the agreement has not gone out yet, but it should ... ''. I questioned her about " 7-10 bus. days '' rule, she stated, " the 10 days is not over yet '', I counted the business days for her and she still stated, '' we still have time ... '' The telephone call was recorded. 
In the meantime, I pulled my credit from all XXXX agencies. All reports showed a 30 and a 60 days late with no other notations ( recorded calls again ). This is a serious contradiction to what XXXX, XXXX and XXXX XXXX stated. 
I disputed it with credit agencies and called XXXX XXXX XXXX. XXXX XXXX now changed her statement, now claiming that we do report late payments and this account was late. 
Each time I dispute the late payment with the credit agencies, SunTrust reports worst than before ( even though the loan is not being serviced with it since XX/XX/XXXX. In fact, it is even reporting the account 90+ days late for XX/XX/XXXX now ( when the payment was made on XX/XX/XXXX in the branch while I was speaking with its branch VP ). 
I MADE ALL MY PAYMENTS TO SUNTRUST SINCE INCEPTION OF THE LOAN ON TIME AND AS IT REQUESTED. ITS REPORTING LATE PAYMENTS IS NOT ONLY INACCURATE, INCONSISTENT WITH ITS OWN REPRESENTATIVES STATEMENTS, BUT ALSO CHANGE FOR THE WORST EACH TIME.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX, I made arrangements online to have my payment made on the due date of XX/XX/XXXX. When I received my XXXX statement on XX/XX/XXXX, I realized they hadn't taken out the payment on XX/XX/XXXX, so I called the company, Comenity Bank about the mixup with my XXXX XXXX account. They were very helpful, and everything was fixed, or so I thought. Today, XX/XX/XXXX, I received a statement from Comenity BankXXXX XXXX for {$140.00}. The statement clearly shows that I had paid the bill on the XXXX of XXXX, and that they had given me a partial credit on the late fee as well as XXXX on the finance charge. Then it shows that they returned my payment, which they did not do, put the late fee and finance charge back on my bill, and added another late fee and additional finance charge as well. I had them paid off, and had requested my card be cancelled. Now they have kept the money I gave them, lied about returning the payment, which they had no reason to do, and are charging me way more money. They didn't cancel the card, but lowered the limit. I have mailed them a check for {$140.00}, which I do NOT owe them. Please, do something about this company. I don't know anyone who can afford this kind of treatment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently received my credit report and noticed that hard inqueries were readded to my credit file after being deleted. After calling Transunion and requesting inqueries to be removed Transunion would not remove them. Upon further investigation I found out that they were removed and added back because of some type of computer glitch within Transunion 's system in XXXX and once again in XXXX. By law Transunion should have informed me in writing five days prior to readding. I received no such notice therefore my fair credit reporting rights were violated.

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 2021-01-11
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
TD bank violated their agreement with the Consumer Finance Bureau by excessively charging a military veteran excessive fees. Not only that, TD bank returned automatic payments but kept bank fees and violated our contract to still pay all debit transactions based on our signed debit card transactions overdraft agreement. 

I was in Another State for XXXX Holidays, I called TD Bank and informed them of that as it was my duty to make all financial institutions aware that I am out of town for XXXX holidays to prevent fraud. I had the money in my td bank savings account. 

Td bank never attempted to retrieve the funds for payment from my savings account, but instead, they returned automatic monthly payments and charged me excessive fees. 

Moreover, td bank is in violation of the CPPB agreement and policy because td bank charged me in excess of more than 6 banking nsf and overdraft fees within 1 week which is a direct violation of CFPB AND THE FAIR DEBT/CREDITORS ACT. 

Td bank never sent me written communication of these excessive fees. 

Lastly, when I informed TD bank that I am traveling for XXXX in another state, and asked TD bank, how do I deposit money in my account, td bank stated that they dont have a bank in the state that I am traveling to and td bank told me to have a friend deposit the funds for me in my home state which could be a violation of potential fraud by td bank making me tell a friend to deposit funds in my personal bank account. I asked td bank are there any other alternatives of getting access to my bank account to deposit funds and td bank said NO. 

Please pull all recordings of td bank conversation with me for XX/XX/2021 on the phone for further proof. Thks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-24
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Accounts are pass the pass the 7 year statue of reporting negitive accounts. 
The following accounts have been repoting negitive as of XX/XX/2009 and Experian continues to report these accounts. 
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 explanation
Consumer complaint received 2021-01-11
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
A credit card was provided to me in XXXX as a result of misleading, confusing and ultimately deceptive practices. I am an elderly woman caring for a handicapped husband who is XXXX years old. We continue to live in our mortgage free home, and we keep it well maintained. During the estimate process for new gutter guards for our roof the salesperson informed me that I could pay for the work in installments with no interest for 18 months. We had recently agreed to a similar arrangement with our oil company when we replaced the boiler last year. We are now paying the oil company in installments. I agreed to installment payments to XXXX XXXX but at no time was it explained to me that I would be required to open a credit card account with Synchrony Bank in order to make those payments. When I learned of this fact I immediately paid the merchant in full by check. We neither need nor want another credit card. I sent the check in the amount of {$2.00}, XXXX on XX/XX/2020 to XXXX XXXX. Note, I did not sign anything consenting to the opening of an account with Synchrony. I subsequently called Synchrony and explained that I did not want an account with them When I requested that Synchrony reflect on their system that I had never had an account with them they explained that they would close my account. I questioned how an account can be reported as closed when it was never opened in the the first place. On a follow up call with Synchrony they said that they could not delete the credit inquiry but could close the account. I believe they are in the process of closing the account this month. It has always had a XXXX balance. At this point I want the account deleted from my credit report. In sum, I never consented to a credit card. I have fully paid the merchant and now I want my credit report to reflect what actually occurred, not what was offered to me by means of a deceptive practice.

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 2020-03-17
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2020, credit cards and one debit card were stolen from my wallet at XXXX XXXX XXXX in XXXX, VA XXXX between XXXX and XXXX. One of the cards included - Citibank Double Cash card XXXX XXXX XXXX XXXX. There were 2 charges that were charged on my credit card 1. XXXX XXXX # XXXX for {$2000.00} 2. XXXX XXXX  # XXXX for XXXX I called in and reported the card stolen around XXXX on the same day. I was told that an investigator will call up to get further details. 

A case was filed with XXXX County Police Department ( Case # XXXX  XXXX XXXX ) on the same day ( XX/XX/2020 ). 

After a week of charges showing up and No call from an investigator, I called up on Sunday ( XX/XX/XXXX ). I was told that investigator will call me up on Monday ( XX/XX/XXXX ). I called them up again on XX/XX/XXXX that I did not receive a call and what was going on. 

Most credit cards issue immediate credit. I was told by XXXX the representative that no one is even working on my case. It is in a line and it will be worked after all cases received before me are worked on. I gave her the police case number and additional details. I was told it will take 1-2 billing cycle to resolve the case. When asked for credit so i dont have to pay late charges or interest, i was told it is not the policy to do that and citibank does not issue credits anymore because people are reporting false frauds. Also, I do not have to pay the charges that are disputed. I asked for any document that says I have disputed the charges for my records. She said they do not do that. Their legal department has not issued a template for that. So what is my record - I have none except for my voice conversations. When I said what if interest is charged on the unpaid amount - the answer was it will be adjusted later. When i asked for a supervisor, i was told the line is closed and they will call me within 24-48 hours

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 2021-01-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I didnt know that my Credit report didnt suppose to be open! I have so much on my report that is fraudulent please help me Im trying to buy a home start my business and so much more I dont need to be suffering any longer for something I didnt do not what XXXX  has made a horrible mistake and let my information get leaked please help me like ASAP I think this is long over due for a lawsuit because I cant take this anymore

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 2016-05-09
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Several of our mortgages have been purchased by SLS, XXXX XXXX, CO. We are paying down our loans by paying extra towards principal. The company is not applying extra payment towards principal even though I have specifically requested this. ( The company says the payment center tends to " overlook '' these requests. ) They are instead applying the extra money to future interest and principal. They have told me I must send any extra payment to principal to a different address ( make a separate payment ) and that this separate payment will not be noted on my monthly statement. The only solution to this dilemma they offered was to allow them access to our bank accounts and take out the money themselves. We refuse to give that control to this company!

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 2021-01-12
Company: EQUIFAX, INC.
State: AL
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 LOOKING AT MY CREDIT REPORT AND I HAVE A LOT OF FRAUDULENT ACCOUNTS. ALONG WITH FRAUDULENT INQUIRIES. THESE ACCOUNT ARE CAUSING ME A LOT OF EMOTIONAL DISTRESS FOR MY FAMILY AND ME. HOW CAN I PROGRESS AND DO WHAT I NEED TO DO FOR MY CHILDREN WHEN THE BUREUAS ALLOW THESE FRAUDUENT ACCOUNTS ON MY CREDIT PROFILE. There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25
Company: Northern Alliance Management, LLC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company NAM, LLC has been calling me and other family members about a closed bank account, saying I owe money on this account. I asked that they mail me information about this account, they refused. I searched the phone number online and found that many people have experienced calls from this company and that it is a scam. Number I was told to call is ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: Commonwealth Financial Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid and removed in XXXX XXXX. In XXXX XXXX the XXXX accounts were reinserted on my credit report by commonwealth financial. Commonwealth removed the information then replaced the information on my credit report under northeast credit and collect. These accounts were paid and removed they should never have been reinserted. Also accounts are from XXXX, past the statue of limitations on which it can report. Please remove the accounts from my credit file with all three credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have had my mortgage for12 years, and due to my job payment date always pay my mortgage on the XXXX of the month. A few months ago I was in a hurry and accidentally paid my mortgasge from a wrong account. There was insufficient funds, I realized the error when I noticed that the payment was not being withdrawn from my usual bank account. I initiated correction called US Bank and explained the problem. Since then reps call me on a monthly basis and harass me about the payment, even though my payments are always made within the grace period. Last month one rep called me and began asking probing questions as to whether I was living in my house or renting it. Itold them that was an irrelevant question, I felt that they were going too far, I asked them to not call me and harass me, but to check the records and note that I have always paid my mortgage. Also Us Bank told my spouse that if he brought cash in excess of XXXX to make the payment, that they would not accept it. When I went to make my payment in person the teller asked for my State Identification to pay the bill. I was shocked and told him that I had never heard of that he said that it wad a new regulation, I told him that I needed to see the regulationand I requwsted to speak with the manager

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation