BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2021-09-12
Company: Square Inc
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021, I tried to transfer funds from my Square merchant account to my bank account, as I do normally. I got an error message that said, " Instant Transfer Unavailable : We were unable to transfer funds. Please visit our Support Center for details ''. I didn't even initiate an Instant Transfer. I chose the standard, 1- 2 business days. I visited the Support Center, a very broad, general resource. I went through all channels of communication they have available. There is no phone line. After submitting the " email '' option by way of a parameter text box on their website, it says that you will get a response in 24 - 48 hours. Four days later, I decided to submit another email through the website. I have yet to get a response. 

After going to XXXX, I realized that this is happening to a number of small businesses. Square is withholding funds without any notice or response to the matter. Some business owners have said that their balance now says XXXX as their balance. Mine currently has {$1600.00}. 

I would like access to my funds immediately before mine shows as a XXXX balance. Please, please investigate Square now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hello, I opened an EZChoice Checking account with M & T Bank. As part of opening the account, I used the promo code QK as an offer to get a {$200.00} bonus for opening the account, with the following requirements. See here for an image of the mailer and even the fine print of the offer : https : XXXX Open a new M & T personal checking account by XXXX XXXX, XXXX with the promotional code QK and receive a sign up bonus of {$200.00} when you do the following : Set up a qualifying direct deposit of {$100.00} or more within 90 days of account opening That is the language from the offer. I confirmed multiple times on calls with customer service reps that my direct deposit from my employer was accepted, and valid. They did n't dispute that I met the direct deposit requirement. 


When I waited 90 days after no bonus posting, and the account still in good standing, the supervisor of the CSR told me that I did n't open up the " correct '' account, and that I had to open up the " MyChoice '' checking account for the promo code QK and NOT the EZChoice Checking. 


Look at the image and the offer! It says ANY checking account, and no where did it specify MyChoice checking. In addition, when I called the previous times to check if I had met the requirements, they said I was fine and I even mentioned the SPECIFIC promo code QK, and they never said I had opened the wrong account. She says there 's " nothing she can do '' even though I explicitly explained all of this to the person. 


This was after 2 calls where specifically I asked if I had met the requirements, and if there was anything that would cause me not to get the bonus. Both CSR 's told me I was set and just to wait. Then when I finally waited the maximum time, I get this response with no proof that I did n't open up the " correct '' checking account, even though there are virtually no differences between the two. ( No material difference in fees or anything )

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 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-06-20
Company: EQUIFAX, 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:
Months ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$190.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$19000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXXXXXXBalance : {$12000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$390.00} ; ( Original Creditor XXXX XXXX XXXX ) XXXXBalance : {$230.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly 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 non-monetary relief
Consumer complaint received 2022-08-06
Company: JPMORGAN CHASE & CO.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I bank with Chase. A third party money lender that i use sent an email stating they would withdraw funds on XXXX. The funds were withdrawn on XXXX and it overdrew my account by XXXX dollars more. I have overdraft protection turned off, and i called this morning to ask what could be done, because Chase charges XXXX per overdraft fee. The representative told me that just because overdraft protection is off, does not mean ACH transactions wont go through, which i was not aware of, and that if i wanted to submit a claim it would take 45 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: AZ
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 



XXXX Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX Inquiries : XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX & XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXXXXXX XXXX Inquiries : XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX & XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX BANK AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX : XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX & XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: EQUIFAX, INC.
State: SC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Experian Information Solutions Inc.
State: NC
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXXXXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/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 non-monetary relief
Consumer complaint received 2023-04-03
Company: Experian Information Solutions Inc.
State: MI
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:
This is my follow-up complaint to tell you to remove or block these erroneous items : XXXX XXXX XXXX XXXX XXXX AURORA, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXX Balance : {$24000.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$9800.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$44000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$670.00} ; XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$19000.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

The listed items are erroneously placed in my file and I believe they are sorely mistaken

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 2019-04-22
Company: ENCORE CAPITAL GROUP INC.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt was added to my credit reports and I contacted them to resolve and they will not remove it. It was sold to a collection agency who will not stop trying to contact me after I asked them not to anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25
Company: Westlake Services, LLC
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Upon completion of the final payment to honor the lease agreement between myself and American Financial with option to purchase my wife asked the rep from Westlake Portfolio Mgmt about obtaining the title to the vehicle and they couldnt give her an answer. I got a notification from XXXX XXXX about a change to my credit score. My XXXX score dropped XXXX points XXXX XXXX score dropped 150 something points. Westlake has reported my account delinquent. Not only was this account not reported on every XXXX  payment I made for the last XXXX years now they ruined my credit at the end of the lease.

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 2021-06-28
Company: EQUIFAX, INC.
State: OH
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 have sent several letters to Equifax in regards to inaccurate information being reported on my credit report. Equifax has failed to supply accurate information. A bill is not sufficient information and is completely inaccurate. 15 USC 1692J- Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not participating. I demand these in accurate accounts to be delete from my report immediately. 
OHIO DEPT OF HUMAN S XXXX XX/XX/2016 {$6000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
A loan payment was submitted online on XX/XX/2019. The online summary of the account shows the payment booking then reversing. The bank account for which the payment was to be drafted shows the draft going thru on XX/XX/2019. It has not posted to the account. After several phone calls, a letter with a copy of the bank statement showing the draft on XX/XX/XXXX was faxed to the help desk on XX/XX/2019. Spoke with XXXX again on or around XX/XX/XXXX to confirm they received the fax, since no confirmation was provided. They confirmed they received the package. 

As of today, the payment still has not been posted, the account has been reported to the credit bureaus as late and interest is still accruing. It should not take almost 6 weeks to find and post the payment

Company response to consumer: Closed with explanation