BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX # XXXX is reporting lates on mine and my husband 's joint account that I should not have. We had this on auto-pay and never received any statements for it. We changed our address and had a forwarding address so there was no reason for us not to get these. Our mortgage went up and we never received notice or a phone call so we did not know to make higher payments, again this was on auto pay and we did not know the payment changed.

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 2020-02-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2019 and 60 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX has sent false info about me to at least 3 Credit Bureaus! 
Probably more! 

XXXX falsely claims that I am allegedly behind on payments! 
That is FALSE! 
The truth is- I an enrolled in AUTO-PAY! 

SO the payment is supposed to happen automatically!

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 2019-10-02
Company: U.S. BANCORP
State: UT
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:
Us Bank # XXXX is reporting a balance on an account and updating that I settled back in 2017. I have and have attached a deletion letter I received stating this account is settled and should be removed. There is no reason for it to still be updating on credit and it needs to be removed.

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 2018-08-03
Company: OpenRoad Lending
State: AL
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 HAVE A CREDIT INQUIRY ON MY CREDIT REPORT FROM OPENROAD LENDING AUTO FINANCING XX/XX/2017. I HAVE NO KNOWLEDGE NOR HAVE I SIGNED CONSENT FOR THEM TO CHECK MY CREDIT. I HAVE DISPUTED WITH BOTH OPENLENDING AND XXXX. THE ONLY RESPONSE I HAVE RECEIVED IS ITS FACTUAL, FROM XXXX  AND NO RESPONSE AT ALL FROM OPENLENDING. HOWEVER, CUSTOMER SERVICE REFUSES TO PROVIDE ME WITH THE INFORMATION OR DOCUMENTS USED TO VERIFY THAT THIS INQUIRY IS FACTUAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: TD BANK US HOLDING COMPANY
State: MI
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:
TD Auto received multiple payments that was debited from my account. One payment was for XXXX XX/XX/XXXX for the month of XX/XX/XXXX. The second payment was XXXX XX/XX/XXXX for the month of XX/XX/XXXX. Which I paid with my debit card. TD Auto claimed to have not received the two payments. Both payments were deducted from my bank account. TD Auto did not inform me of the issue of the company claiming to have not received payment for the month of XX/XX/XXXX and the month of XX/XX/XXXX until my XXXX billing cycle. TD Auto reported inaccurately to the credit bureau for more than 8 months. TD Auto harassed me with phone calls everyday ( sometimes more than once a day ) once the issue was brought to the companys attention. I presented two months worth of bank statements, as well as other documents that pertained to TD  receiving payment from me. I presented these documents on multiple occasions showing the dates and amounts which were paid to TD Auto. And asked TD Auto to preform an investigation and repair the inaccuracies on my credit report. TD auto told me to make a payment ( which I already paid in XXXX ) and the harassment by phone would stop. And the company would give a credit in the amount of my monthly car payment of XXXX to my TD Auto account once the investigation was finished, and that I would receive a letter in the mail. I received multiple letters stating that TD Auto found inaccuracies when reporting and they would fix the issue. but the company never fixed the issue nor did the company give the credit. TD Auto has not complied at all. I reported this issue to TD Auto and the company has done nothing. I uploaded my XX/XX/XXXX TD Auto billing statement which shows that one payment was not received for XX/XX/XXXX. That payment was satisfied and resubmitted by my banking institution. That document is uploaded as well. I also uploaded my billing statement from XX/XX/XXXX which shows that the payment from XXXX was received once it was resubmitted by my bank. That should of satisfied the issue. But TD claimed that I owed them more. I presented all the documentation showing that the debt was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: Mr. Cooper Group Inc.
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband refinanced our home in his name only, without my knowledge. It wasn't until after his death ( XX/XX/17 ) that I discovered this, and now that I'm attempting to refinance the mortgage in my name only, the mortgage company is not cooperating with me. I do not understand how my husband was able to refinance our home without my signature, even though I am on the deed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My car was broken into and my wallet and debit car was stolen. I found out it was broken into at XXXX XXXX   and by XXXX XXXX  I went online to canceled and close out the card and order a new one. it was successful. Then less than an hour later they allowed someone to use the card at more than 5 locations. It was only after i went into a branch several hours later to order a temp card that the bank rep asked me to review the charges and i discovered the 5 charges after i closed the card out. Then the bank ask me to wait a few days before i can make a claim and without use to my funds that they allowed to be stolen

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 2015-07-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I 've been a member of USAA since 1990. Like millions of Americans, I was hit hard by the Great Recession. And was divorced, lost my job and forced to sell my much devalued home through short-sale ALL in the same year. Subsequently, I was forced to file for bankruptcy. Got back on my feet within two years but, USAA blocked access to their " full '' website immediately. For 3 1/2 years I have only been allowed access to my accounts through a minimized web page holding only cryptic information as an alternative. When I log into USAA, it actually closes immediately and transfers me to another page where you have to go through the entire procedure again. The " new '' web site that opens only offers minimal access. USAA also insures my car and when I had an accident a month ago, I could not see vital information pertaining to my claim. Their actions are clearly punitive. I kept my pre-bankruptcy bank accounts open ONLY to pay my insurance bill each month without much bother and do business through another bank. It is disturbing that I can not access information that is mine. Communicating with the adjuster has become nearly impossible as I can not download forms, photos or send emails that are allowed through the full web site. All things necessary to complete my damage claim. 
I have read online from other USAA members that this is a common practice for USAA that amounts to a " punishment '' for losing financial stability. Punishment on its members for causing the bank lose capital either through defaulted loans or credit card debt. 
An interesting side note. I also have an IRA brokerage account through USAA. Numerous times I have tried to place money in the IRA and been rejected. The full web site offers easy access for adding to IRA and similar investment accounts. The reduced web site access offers no avenue for increasing the amount in my IRA which has stayed at {$11.00} for 3 1/2 years. Seems USAA does n't want my investment dollars either!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reached out to this company about their reporting, and given information on why this account is inaccurate. However, they continue to report and have not provided information about why this account is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: U.S. BANCORP
State: CA
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:
For many years, I have had a credit card issued by USBank. I also have a checking account with USbank.

I have paid my credit card balance from my USBank checking account using the online USBank payment function in my credit card account. I would schedule online payments on the due date. I was able to schedule payment on the due due regardless of whether the due date was a weekend or holiday.

Recently, USBank implemented a new online payment facility. The new facility no longer has the online payment function in my credit card account that I had been using. There is a new online payment facility for all accounts that doesn't allow payments to be made on weekends or holidays. 

Last month, my credit card payment was due on Saturday XX/XX/XXXX. The USBank payment facility did not allow me to make a payment on XX/XX/XXXX. I made a payment on the next business day XX/XX/XXXX. I was charged a late fee and interest. 

According to the CFPB website " If your payment is due on a day on which mail is not delivered ( such as a Sunday ) and you mail your payment, you can not be charged a late fee if your payment arrives on the next business day. '' And also " if you pay online you must make your payment on the day it was due even if that day is a Sunday or holiday. ". 

Currently the USBank system doesn't allow online payments on a Saturday, Sunday or holiday. So it is reasonable that I shouldn't be charged a late fee until the next business day because USBank won't accept online payments until the next business day.

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 2019-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
Dear Sir or Madam, I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2017-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 your information is incorrect, Inaccurate, or false.

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 2018-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have recently obtained a BOA XXXX Rewards XXXX XXXX. 
The card lists the travel benefits like lost luggage protection, trip cancellation, car rental, etc. However their is no explanation as to which circumstances you would be eligible for any of these benefits. I am looking for the term and conditions of these benefits. I have spoken to no fewer than XXXX BOA representatives in XXXX different departments all referring me to someone else saying they can not provide that information. They can verbally tell me if I qualify but they can not send me the terms and conditions. This is fraud, who is to say if a claim is made that it is covered as nothing is written down and provided to the customer. All I am asking for is the terms and conditions of the travel benefits they have sold me in order to sign up for the card.

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 2019-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credit bureau is reporting inaccurate information on my credit report. I have no contract with this credit at all. The creditor is trying to collect on a debt that has already been paid to the original creditor by my insurance company. The creditor can not provide any verification to me having a valid debt with their company. Also reporting is a collection that I have no contract with this credit in the medical field.

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 2019-06-15
Company: EQUIFAX, INC.
State: NJ
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 presently have four student loan accounts with XXXX. All four of these accounts were originally opened with XXXX XXXX under the title of 'XXXX XXXX XXXX XXXX '. Thereafter, the accounts were assigned to XXXX without notice. All four of these accounts are now incorrectly reporting missed or late payments in XX/XX/XXXX and XX/XX/XXXX ( totaling 8 missed/late payments reported ) despite my diligent efforts to have XXXX correct these errors. On two occasions through Equifax and on one occasion directly with XXXX by mail, I have asked XXXX to correct these reporting errors that are clearly contrary to the terms of our Promissory Note.

Pursuant to the Promissory Notes of these loans ( see attached ), repayment of these loans was to commence after the 'Interim Period ' described in the Note in Section B ( 1 ) ( a ) as " ... approximately six months after the date the student borrower graduates. '' Additionally, according to Section D ( Terms of Repayment ), XXXX was required to send me a statement setting forth the repayment schedule on or before the date of repayment. ( See Section D ( 4 ) ). To date, no such repayment schedule has been received electronically or by mail. 

Further, I graduated from XXXX XXXX XXXX XXXX XXXX in XXXX, New Jersey in XXXX of XXXX. Accordingly, as the 'School Period ' of the 'Interim Period ' had ended at that time, the 'Separation Period ' had thereafter begun. ( See Section B ( 1 ) ). The Separation Period should have lasted until XX/XX/XXXX under the terms of the Promissory Note described above. However, contrary to this agreement, without notice, XXXX began attempting to collect on full monthly payments in XXXX of XXXX. When I discovered that XXXX reported late payments to the Credit Bureaus in XX/XX/XXXX of that year, I immediately took action on my account and began repayment while also attempting to dispute the subject of this present Complaint directly with XXXX 

To date, XXXX has been unwilling to correct the clerical error that led to my account coming due before the agreed upon period and that ultimately led to the missed payments. XXXX XXXX failure to correct this error is also a violation of Section R of our Promissory Note ( Correction of Clerical Errors ). In closing, XXXX has acted in bad faith at every stage of repayment and the language of our agreement clearly shows that the 8 missed or late payments reflected on my Credit Reports should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I don't recognize this account. I never applied for it, I don't have any contracts or agreements with 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 non-monetary relief
Consumer complaint received 2019-10-02
Company: Thaxton Investment Corporation
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I have a installation loan, and payment are due XXXX of each month, I was late more than 10 days, so when I initiated payment, the associates said I need to come in and speak to the branch manager, I rejected because normally I make a payment by phone to using debit card. She then informed me I had to make payment for 2 months, in which I did. A fews days later I had a credit alert by XXXX XXXX, that account was closed and was was reopen. I didnt approve this, the company took it upon themselves to do this with your my knowledge. Normally if you are later you pay the late charges. Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
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:
On XX/XX/18 I was notified of identity theft. I was contacted by multiple credit card companies that someone was attempting to make changes to my accounts ( XXXX, XXXX, XXXX and Macy 's ).  Macys called on XX/XX/18 and said someone was attempting to increase my credit limit. I told them I was not, and to cancel my card. On XX/XX/18 a customer service representative called from Macy 's and said another woman was on the other line trying to make a {$3000.00} furniture purchase on my account, and claiming to be me. She also tried changing my phone number to another number. I told them it was not me, and to just close my account. In XXXX I received notice from Macy 's of an unpaid balance on my account that was past due. The letter stated they had been trying to reach me but could not get a hold of me ... but this was the first notice I received about a balance due. I paid the balance immediately. I then found out Macy 's submitted negative credit reporting and now I can't get financed for a house. I called Macy 's and they told me that back in XXXX with the attempted fraudulent activity, the person posing as me successfully changed all of the contact information for me- including phone number and email address, and then made a request for paperless statements instead of mailed statements. Under FTC laws, Macy 's is required to notify me about a balance 21 days before it is due, but they did not because they kept the fraudulent contact information associated with my account. I have spent hours on the phone with them to try and get this handled. Macy 's  credit reporting department refuses to reverse the negative reporting and told me they checked with XXXX and were able to confirm that I received emailed statements and that I opened them. Here 's the problem ... I don't have a XXXX email 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 2019-05-22
Company: HANCOCK WHITNEY BANK
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I received a cashier 's check in the mail that I had to sign for with my name on it for {$2800.00}. The bank on it is Hancock Bank issued by Whitney Bank. I called the bank and they said the check is fraudulent. The envelope it came in said it was sent from Safe Deliver XXXX XXXX XXXX XXXX XXXX, VA XXXX. I'm not sure why I even received this check, but I kind figured it was a scam from the start..thank you.

Company response to consumer: Closed with explanation