BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-20
Company: U.S. BANCORP
State: AZ
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:
Date : XX/XX/2018 Minimum amount due : {$49.00} Date of attempted payment processing : XX/XX/2018 XXXX PST ( XXXX CT ) Hello There, I'm writing to file a complaint about XXXX XXXX XXXX   `` Cardmember Services ''. Today at XXXX PST I attempted to process my minimum amount due of {$49.00} and XXXX XXXX XXXX refused to process my payment on today 's date of XX/XX/2018. 

Alternatively they decided to process my minimum payment for tomorrow 's date of XX/XX/2018, which of course -- incurs a late fee. Tucked neatly away into XXXX 's literature the consumer is expected to make a payment before XXXX Kansas time on the date of their minimum due. 

I find this business practice to be unethical, misleading, and opportunistic. The whole of Western Civilization has decided that 'a day ' is over after midnight. I find it fascinating that XXXX reserves the right to decide when the day is over. Most people in Arizona aren't even off of work by the time XXXX decides to cut off receiving payments. 

Naturally, Cardmember Services ( XXXX ) knows this business practice will ultimately yield more profit at the expense of the consumer given the inconvenience it causes. 

I'd like to hear back from somebody explaining to me why this sort predatory rule is allowed to exist in a financial institutions literature.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
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:
After all the recent media I've been seeing about several hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus. I filed a police report to notify authorities. So far no actions have been taken by any of the credit bureaus. 

Below are fraudulently unauthorized inquiries on my report : Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX Company : XXXX XXXX  Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX  Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Company : XXXX XXXX Company : XXXX  XXXX Below are the Company, Account #, Dates opened, and balances for the inaccuracies reporting on my credit report : Company : XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$390.00} Company : XXXX XXXX XXXX  # : XXXX Date Open : XX/XX/XXXX Balance : {$3900.00} Company : DEPT OF EDXXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$12000.00} Company : DEPT OF ED/XXXX   Account # XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : DEPT OF ED/XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$12000.00} Company : DEPT OF ED/XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : DEPT OF ED/XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : DEPT OF ED/XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$12000.00} Company : DEPT OF EDXXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$1100.00} Company : DEPT OF ED/XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$6200.00} Company : XXXX Account # XXXX Date Open : UNKNOWN Balance : {$100000.00} Company : XXXX   Account # XXXX Date Open : XXXX XXXX Balance : {$12000.00} Company : XXXX  Account # XXXX Date Open : XXXX XXXX Balance : {$8500.00} Company : XXXXXXXX XXXX XXXX  Account XXXX XXXX Date Open : XX/XX/XXXX Balance : {$370.00} Company : XXXX XXXX Account XXXX XXXX XXXX Open : unkown Balance : unknown

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: EQUIFAX, INC.
State: GA
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 contacted Equifax on X/XX/17 via certified mail and telephone advising them that a I tried to contact a creditor XXXX XXXX via the address information that was listed on my credit report from the reporting agency. I mailed the listed account agency a certified letter and the letter came back as an undeliverable address. I then made copies of the letter in which I still have with the yellow undeliverable sticker on it and faxed and mailed to Equifax providing them this documentation. Equifax is allowing the agency to report a false undeliverable address as contact information on my report. In addition when calling XXXX on X/XX/17 to clear up the issue they can not identify the records because Equifax has allowed reporting of missing/partial/incomplete account number XXXX. Equifax sends out an automated response of " account verified '' but has yet to provide me with any documentation bearing my signature. It is my understanding that no entity of the state and federal laws of reporting has the authority to retain report transfer sell utilize or else wise outdated untrue inaccurate physically unverifiable fraudulent misreported and or any not compliant allegations. I have made numerous requests for them to remove this account and they have refused after being provided with documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Bank of America has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2021-01-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 sent in certified letters to the credit bureaus telling them that these accounts did not belong to me. I ask them to send me any documents they had to verify that these accounts were mine. with all these data breaches that these credit bureaus have is ridiculous. at least take the time to do investigation, instead of telling me that these accounts have been verified, if they have been verified, why can't you send me the documents to verify them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: EQUIFAX, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
I submitted method of verification letters dated XX/XX/2020 to each credit reporting agency ( Equifax, XXXX, and XXXX  ) regarding XXXX/XXXX  after they stated it was verified/accurate, but I never got a response from any of the CRAs. I have disputed this inaccurately reported item several times and I dont think they are investigating this issue at all. They are only sending an auto response just to satisfy an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: Navient Solutions, LLC.
State: NM
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Repeated calls to my employer, family members and contacts of mine asking for personal information about me .... I have not received any calls, messages or mail directly to myself regarding the matter. 

Ive notified them by emails as well as verbally to not contact or harass these people

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I have struggled to increase my Credit score for the last year, getting a score of almost 700, which after horrible abuse from a husband and finally getting a divorce was a great achievement. BUT>>>>> On XX/XX/2018 I contacted XXXX to start repaying a 20 year loan. XXXX, instead of helping me they reported that I was 90 days late to TRANSUNION AND XXXX agencys PLUMMETING my credit score to XXXX which is horrible and below average. 
I tried calling to correct this and they replied ... ... .. TOO BAD!!! 
They have harassed me for years and I would go into forbearance on their advice. 
My score is so important to me as I have really tried hard to make it better for obvious reasons. PLEASE help me remove XXXX  NEGATIVE reporting on my credit report I borrowed XXXX for school and now it is close to 14,000.00. 
I have read that XXXX has class action law suites against them and would like any advice

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXXXXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/18, I received a communication from XXXX XXXX XXXX XXXX in an attempt to recover a debt on behalf of original creditor, American Express. Contents of letter indicated they were offering to settle the debt at 35 % of balance owed over the course of 24 months. 

I called the office notated on the letter to offer to pay the settlement offer outlined, in full, via bank check, provided they send over a letter, on company letterhead, outlining the following : 1.  Verification of debt 2. Verification of authorization to collect debt on behalf of American Express 3. Terms of settlement offer 4. Next steps for discharging debt/judgement with American Express attorneys ( Satisfaction of Judgement ) The original call center rep, XXXX XXXX, attempted to collect information irrelevant to the settlement offer I was agreeing to pay in full today, such as employment information, why I was in debt, what I am doing to prevent it, as well as information to secure a post dated check from me, or bank routing details. 

I further confirmed that I will await settlement terms above in writing, and upon receipt, will send full settlement offer via Bank check. They seemed unwilling to entertain any conversation that did not entail passing them my personal banking information. 

After conceding to sending the above letter to me via overnight mail, she put me on hold to verify with her floor supervisor, XXXX (? ), who then took the line and proceeded to argue that they would not verify in writing that they are authorized to collect debt or authorize settlement. 

After further escalation to his supervisor, whose name I did not catch, I was told the same, argued with, and essentially prevented from paying the outstanding debt if I would not do so without written verification of settlement terms and verification of authorization of their agency to collect. I was told to contact American Express and figure it out myself. 

Further, this agency has contacted various parties outside of myself in attempt to collect debt, and without the above verification, I have requested they cease and desist and further communication, via any channels. 

I then contacted American Express to discuss alternate means of settling said debt directly. They opened an internal inquiry/complaint against XXXX XXXX, as they are their contracted firm, and will be outlining to this agency that they are to follow the request I have made in order to settle the debt, as it is reasonable and to the letter of the law, and will alternately consider leveraging a different third party collection agency to settle said debt on their behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
Account ending in # XXXX was closed w/ XXXX balance in XX/XX/XXXX with Bank of America credit card . I closed my email account with XXXX and destroyed the said credit card. I received emails stating that I owed a balance on my new email account with XXXX. I tried to respond but the email from BOA was returned undeliverable. I finally received a bill from BOA to my physical address om XX/XX/XXXX stating that I owed BOA {$9.00} in overdue payment. I mailed a check for that amount that same day. Today, XX/XX/XXXX I received my dispute report from XXXX  XXXX   stating that I am overdue in payments to BOA and the fee is now {$10.00}. This dispute could have been resolved in XX/XX/XXXX if BOA would have sent a bill to my physical address instead of online.

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 2022-08-11
Company: EQUIFAX, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Original Creditor : XXXX XXXX XXXX XXXX Collection Agency : LVNV Funding LLC Two Different Amounts On My Credit Profile {$1200.00} - {$1200.00} " Inaccurate " Date Disputed : XX/XX/2018 Disputed Charges And Information As Well As Requesting Validation Of Debt " VOD " Requesting The Method Of Verification And Steps That Were Taking " Unverified " Resolution : XX/XX/2018 Per XXXX : I Quote  Account Information Disputed By Consumer ( Meets Requirements The Fair Credit Act )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: CITIBANK, N.A.
State: OH
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had two ( 2 ) fraudulent charges on my Citi Credit Card at XXXX 's XXXX online in the amount of {$890.00} & {$4400.00} on XX/XX/21 & XX/XX/21. I filed the claim and I was bounced around to multiple different departments with the claims closed several times stating my I was responsible even though Citi stated I was NOT responsible. There were numerous credits and debits and partial reversals on my account that has created a reconciliation nightmare and Citi has still overcharged me {$450.00}, which they partially reversed off my account. Now an audit needs to take place to ensure that they overcharged me and will take another five ( 5 ) days to reconcile. I have stressed numerous times that this is incorrect with Citi just opening another dispute case and closing it deeming me responsible. I am unable to get a resolution same day and another case has to be opened to investigate.

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 2019-04-29
Company: Coastal Credit, LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have a loan through Coastal Credit LLC that I have been paying on for nearly 3 years. Mostly all of my payments have been on time or early. I have even asked them at one point about refinancing the loan for a lower interest rate, they told me they do not do that. I found that to be odd. A few months ago, I received an email stating that qualified for a payment deferment, i replied back that I would be interested as it was near the holidays and it would be nice to have some extra money. I got a response that it was sent to me in error and I did not qualify. The representative on the other end of the email was terrible! These past couple of months have been rough, my husband has fallen quite ill and I have been struggling with bills, Im still making my payments but late, well within a 15 day grace period but I was informed today, they have no grace period and they continuously harass me, my family, friends and call me at work multiple times a day even if I have communication with them! I have told them to stop and they wont! It is flat out disgusting! I have even given payment dates and I. Always pay when I say I will! I am at witts end with them!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: EQUIFAX, INC.
State: MA
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:
On XX/XX/XXXX I completed a Student Loan Consolidation with XXXX XXXX XXXX XXXX XXXX. Every month since then the monthly payments are automatically deducted from my checking account. On XX/XX/XXXX I  received a Credit Alert stating that my score had dropped from XXXX to XXXX because my student loan payments were 90 days late. I contacted the XXXX XXXX XXXX and they said that my account was due for a recertification. I asked why I had not been notified and the representative did not have an answer. On XX/XX/XXXX XXXX XXXX XXXX sent me a notice to recertify. 

The payments have been made every month and yet a report was filed with the credit reporting agencies stating that I was 90 days behind. I believe that XXXX XXXX XXXX XXXX XXXX is responsible for this negative action. In addition to my monthly student loan payments I pay them to handle my account. They failed to do the work and notify me when it was time to recertify. This resulted in a drop of over 100 points on my credit reports. I need them to take care of this and get my credit standing to where I keep it.

Company response to consumer: Closed with explanation