BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-21
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
The long and the short is XXXX XXXX reported a car that I had as a charge off ( bad debt ) the car in fact was totaled by the insurance company and was paid off in XX/XX/2017. The credit bureaus did an investigation and still list it as a bad debt based in the information from XXXX XXXX. XXXX XXXX says they can not help the misinformation since they know the car was paid in full and say its a credit bureau issue. I had the credit bureau do an investigation and XXXX XXXX still reported as a bad debt, as of two days ago.

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 2018-01-24
Company: ZIONS BANCORPORATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have an account with National Bank of Arizona which is a division of XXXX, XXXX. I have {$3400.00} in the account and they deactivated my online banking and debit card because it had reached a {$0.00} balance for a little while. I was visiting in Texas and they told me they have a sister branch in XXXX XXXX, Texas called XXXX XXXX I informed them over the phone I had an expired license and a yellow slip of paper from the XXXX that was stamped by the XXXX showing the issue date and proof of new licensure because it takes them a month to send me a new license. The national bank of arizona supervisor called the XXXX XXXX in XXXX XXXX and told me they would be able to give me my money if I brought those documents over to the bank. I drove 60+ miles to XXXX XXXXXXXX and brought my expired license, my proof of new drivers licensure paperwork, my certificate of live birth, my social security card and my school ID and they informed me they would not be disbursing any funds to me because their policy states I need to have a hard copy of my drivers license. 

I called the online banking service later and informed them of what happened and they activated my online banking for me after I was able to fill in the security questions. Then I added an external bank account to the system and then they deactivated my online banking without explanation. They then demanded I give them a phone number to verify my identity, so I did, and they said that phone number I gave was n't going to be verified and their " system '' listed 2 phone numbers that I never even heard of and one phone number that was super old that I did n't even have anymore, to verify me. 

Basically they are refusing to give me the money that is in my account until I show up at their bank account in XXXX XXXX with a hard copy of my new drivers license, which can take over a month to receive, even though they promised me over the phone I would be able to make a withdrawl and get my online banking activated again.

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 2018-01-29
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been repaying for over 5 years. I would like to find out why my loans are not being lessened every month. I pay {$1400.00} every month and it goes in to the whole total of the loan. These loans are direct and private apparently. The payment page says it is put towards my loans however I have looked for the past year that the money is some how disappearing. In XXXX of XXXX I paid the XXXX and the loan balance is {$2900.00} but as of XXXX the loan balance was XXXX. Please tell me where my XXXX dollars went? XXXX I paid XXXX again and finally the balance did go down to XXXX, something I did unfortunately not write that one down. However it appeared the money was finally used but what happened to it in XXXX? Now XX/XX/XXXX the loan shows XXXX when I went to pay the loan on the XXXX of this month. Today the XXXX I looked to see what my XXXX went It is now at XXXX. When I did the math to this my loan should be XXXX. There is a XXXX discrepancy on the loan.So my money is again missing. Please help I have no clue what to do. I have been paying the loan off for over 5 years it started at {$80000.00} and I am finally down to XXXX. Still WHERE is my money going? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
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:
This account should not be on my credit report. I disputed this account as it does not belong to me and please verify it. But, they refuse to remove it. I also contacted XXXX card services as well, and they refuse to remove it from my credit report. 


Account name XXXX XXXX/XXXX XXXX   Account number XXXX .... 
Recent balance {$430.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$430.00} written off. {$430.00} past due as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
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'v been disputing with the bureaus month after month. There are items on my credit file for which I do not have a confirmed contract and there is no verification process what so ever. I'm seeking relief of damages from bureaus as I am owed compensation at this point. Information on my credit file for which the law clearly states there needs to be contracts for via the Comprehensive Credit Act of XX/XX/XXXXsec 401, other parts of the FCRA, and other portions of the law will entitle me to damages for the defamation of character that has been caused. For XX/XX/XXXX, There is a collection account that should not be there, as it's not even mine. There are 3 of the same exact inquiries on there for XXXX XXXX as well which ought not be. For Equifax : There is 1 inquiry on there that I didn't even apply for ( XXXX XXXX XXXX ). No, this is illegal. Anything as well that's on my XXXX  file that also should not be there for which items are not verified also are to be removed. This includes collections, inquiries, and missed payments. XXXX  has been the most difficult to work with of all of the bureaus. I believe that their data breach is what really caused me the most issues with them. XXXX  is known for never verifying information as well. A closed collection account is not the same as having it removed which it should be removed. There should be no missed payments with them at all. Last I checked, XXXX  had collections on my file, inquiries and other late payments which are all wrong. I've already sent them verified/certified letters asking about this.

Specifically For XXXX  I've written them the following,,, XXXX/XXXX  - {$5100.00} Never made any late payments, paid in full 34potentially negative months Account Info Account numberXXXXXX/XX/XXXX XXXX - {$15000.00} Never made any late payments 3latepayments - not true Account Info Account numberXXXX XXXX/Dept. of ED - {$22000.00} Paid In Full, and On Time Account numberXXXX Collection : XXXX XXXX XXXX, Never Did Business With, Not my Debt Account numberXXXX {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: Experian Information Solutions Inc.
State: NJ
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:
I called this company in XX/XX/2019 I made payment arrangements they have been taking {$190.00} every month faithfully without missing a payment and its being on time. They told me this year they would not be taking my income tax I just looked and they took all my money and they did it last year to after Ive been making payments faithfully not only that they did not update my credit report accurately every month it says not on time when I have proof with my bank account my bank statements showing Ive been taking XXXX out automatically every month how is that fair? My name is XXXX XXXX My phone number is XXXX this is not fair Ive done everything they told me to do and they still took all my money they lied to me and theyre not updating my credit report.

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 2018-03-01
Company: TOYOTA MOTOR CREDIT CORPORATION
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/18 Regarding Toyota Motor Credit. We had not received our statement by the time the payment was due. I contacted the company and they said that they only send out statements as a courtesy and I have to request a statement/bill be sent. They have been sending out the statements for two years. I have no way to mail my payment without a statement to send with my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: Blackhawk Network Holdings Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I was issued a Prepaid Mastercard Virtual Debit Card with a high balance but given a short expiration date within which to use it of approximately 6 months. I did not use the entire amount before expiration but can not figure out how to obtain a replacement card for the remaining balance of several XXXX dollars. I can not even figure out how to speak with a Customer Service Representative, since when I call the number of the back of the card XXXX I get put into an endless loop of IVR selections. The company is " MyPrepaidCenter '' through BlackHawk Network & XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: Second Round Limited Partnership, Austin, TX Branch
State: MI
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 been trying to obtain a proper debt validation from XXXX XXXX XXXX, Second Round Up, XXXX XXXX as well as from the three major credit bureaus with no such luck. Attached is a copy of dispute results from XXXX showing theyve deleted this from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'v been disputing with the bureaus month after month. There are items on my credit file for which I do not have a confirmed contract and there is no verification process what so ever. I'm seeking relief of damages from bureaus as I am owed compensation at this point. Information on my credit file for which the law clearly states there needs to be contracts for via the Comprehensive Credit Act of XX/XX/XXXXsec 401, other parts of the FCRA, and other portions of the law will entitle me to damages for the defamation of character that has been caused. For TransUnion, There is a collection account that should not be there, as it's not even mine. There are 3 of the same exact inquiries on there for XXXX XXXX as well which ought not be. For XXXX  : There is 1 inquiry on there that I didn't even apply for ( XXXX XXXX XXXX ). No, this is illegal. Anything as well that's on my XXXX  file that also should not be there for which items are not verified also are to be removed. This includes collections, inquiries, and missed payments. XXXX  has been the most difficult to work with of all of the bureaus. I believe that their data breach is what really caused me the most issues with them. TransUnion is known for never verifying information as well. A closed collection account is not the same as having it removed which it should be removed. There should be no missed payments with them at all. Last I checked, XXXX  had collections on my file, inquiries and other late payments which are all wrong. I've already sent them verified/certified letters asking about this. 

Specifically For XXXX  I've written them the following,,, XXXX/XXXX  - {$5100.00} Never made any late payments, paid in full 34potentially negative months Account Info Account numberXXXX XXXX XXXX XXXX XXXX - {$15000.00} Never made any late payments 3latepayments - not true Account Info Account numberXXXX XXXX/Dept. of ED - {$22000.00} Paid In Full, and On Time Account numberXXXX Collection : XXXX XXXX XXXX, Never Did Business With, Not my Debt Account numberXXXX {$5000.00}

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 explanation
Consumer complaint received 2020-02-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have a G.M. Card that Capital One is administrating. Every XX/XX/XXXX is my anniversary date. In the past and what I paid in XX/XX/XXXX I received my 5 % credit toward a new GM Car. This past XX/XX/XXXX. I had unusually high expenses for me and I did not get the 5 % credit. I called in and I was told that there were problems with their bills. I called in XX/XX/XXXX. and received the same answer. I finally got 5 % credit for my XX/XX/XXXX. Bill When I called about XX/XX/XXXX. I was told that they ( Mr. XXXX ) will put in a ticket. I just called again and the voice mail said that my anniversary date is nowXX/XX/XXXXXXXX  and when I spoke to some girl she said its XXXX. She said that she can't do anything about it and also told me there aren't any supervisors for me to talk to. I would like to get my 5 % credit ( my bill was for {$1600.00} and 5 % of that is {$80.00} ). This was the 4th time I was told someone will call me. When I asked for a ticket number for the complaint I was told there aren't any ticket numbers. Can some one please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: Diversified Consultants, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is in reference to DIVERSIFIED CONSULTANTS. I recently noticed an open collection account on my consumer credit report from DIVERSIFEID CONSULTANTS and I do not know this company nor was I ever contacted by this company to pay or make an arrangement with this company. I noticed the same account from DIVERSIFEID CONSULTANTS on my credit report last year but then it disappeared. Now I see this company show up on my report again AND again without any formal written notice and this time the collection debt has a different opening balance date. This company DIVERSIFIED CONSULTANTS is playing around with my credit information and I am afraid my identity has been compromised because of it. I have also submitted a letter of debt verification to this company which they have yet to respond to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have filed complaints previoisly with Wells fargo, but it seems to Call on deaf ears. I took Wells fargo to court 5 years ago with the prsiding judge XXXX of XXXX countycourt. The judge ruled in my favoriser. Wells fargo has not acted in favor of the judge decree. I have trid to work with Wells fargo to rectify the problem but they have no intention of rsolution. This is WhY i had to take them to. Court 5 years ago. They have a sale date of XX/XX/2018 and have repeatedly denied all loan modification temps. The have misapplied, many payements and i want this rsolved want them to stop the foreclosure shrifs sale and reste my issue, if not i will take them to court as i did 5 years agonisant my loan either paid off due to their lack of due diligence or at leaste reiinstate my loan back to it's original amont of 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 2020-02-20
Company: CITIBANK, N.A.
State: IN
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:
Ref : Citibank MC Account # XXXX XXXX I need to dispute 23 Florida charges because they are not authorized nor initiated by me. I also was not in Florida and did not sign for them. They are fraud. I logged into Citi website and found unauthorized charges on XX/XX/XXXX, and then saw that my card was missing. I then closed the card and report these charges as fraud online on XX/XX/XXXX. 


XXXX XXXX XXXX {$9.00} XXXX XXXX XXXX {$80.00} XXXX XXXX XXXX XXXX XXXX {$16.00} XXXX XXXX XXXX XXXX {$10.00} XXXX XXXX XXXX XXXX {$10.00} XXXX XXXX XXXX XXXX {$3.00} XXXX STORE {$3.00} XXXX XXXX XXXX {$53.00} XXXX # XXXX {$14.00} XXXX XXXX XXXX XXXX {$67.00} XXXX XXXX {$14.00} XXXX XXXX   XXXX {$11.00} XXXX XXXX {$4.00} XXXX XXXX XXXX XXXX {$69.00} XXXX # XXXX XXXX   XXXX {$45.00} XXXX XXXX {$9.00} XXXX XXXX XXXX {$59.00} XXXX XXXX XXXX {$29.00} XXXX XXXX XXXX XXXX {$6.00} XXXX XXXX XXXX {$4.00} XXXX XXXX XXXX XXXX {$24.00} XXXX XXXX XXXX XXXX {$6.00} XXXX # XXXX XXXX XXXX {$31.00} Please investigate and credit my account for these 23 unauthorized charges ( dated XX/XX/XXXX to XX/XX/XXXX ). You need to reverse the charges while you investigate. I did not receive goods or services. If you require a fraud affidavit, then you need to mail it to me. I consider this letter an affidavit of fraud. It has been over 30 days since reporting it. I have faxed and emailed letters. I have chatted online. I am now filing a complaint. I have never experienced such a difficult process from a credit card, and will not be using your card in the future. 

Sincerely, 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 2018-03-01
Company: EQUIFAX, INC.
State: PA
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 XXXX has reported that my credit card is overdue and that I have missed two payments. They have sent this information and as a result my credit score has dropped significantly. I explained to XXXX that I am a member of the United States XXXX XXXX and that I was unable to make payments due to being away from home for extended amounts of time. Also I was not aware of the autopay feature when I applied for the card. I believe that XXXX took advantage of this and as a result my account went delinquent. I have never missed a previous payment and I am a loyal customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I received an invitation from Bank of America to open a bank account that promised a {$350.00} bonus upon completion of the terms. The terms were that direct deposits totaling {$4000.00} would be deposited within 90 days of account opening. We completed that end of the agreement well before 90 days, and should have received the bonus in our account on or before XX/XX/XXXX. When that did not happen, I called a BOA representative around XX/XX/XXXX, and she apologized and stated that the bonus should deposit within the week, perhaps was delayed by the holidays. Mid-XXXX we still did not have the deposit, so I called back and was referred to the Digital Services department of BOA. Once again, they looked over the account, noted that our end of the deal had been met, could not explain the error, but promised it would be " escalated ''. I called back again on XX/XX/XXXX and spoke with XXXX in Digital Services ( XXXX ), who now thoroughly apologized, also could not explain the failure to deposit the bonus, stated he could see the {$350.00} bonus sitting in some sort of holding account, but did not know why their automatic system did not release it. He promised it would be deposited by XX/XX/XXXX, which is today. It has still not been deposited to our account. I can not seem to get any further with Bank of America, and feel they have reneged on their own offer. I need help resolving this issue. I have all of the emailed correspondence from BOA displaying the original offer.

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 2019-01-24
Company: JPMORGAN CHASE & CO.
State: MN
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: Overcharged for something you did purchase with the card

Complaint:
I made the mistake of responding to a pop-up offering a watch for the price of shipping and handling, and saying I would be billed for the watch but that it would be worth lots more than the amount I would be billed. 

The watch arrived but was worth less than {$20.00} and I was billed {$98.00}. Icould n't reach the merchant -- and was billed another {$98.00} thefolowing month.

VISA advised that I had been scammed and thqat the monthly charges would continue until they cancelled the card -- which they did.

I was then contact by a person claiming to represent VISA asking my permission of add the two {$98.00} charge to the new card, along with the shipping charge. I protested that it had been fraudulent. She said that because I had given them the credit card number I was responsible under contract law, even as she acknowledged the worthlessness of the watch. I said that I didn't want to affect my credit rating adversely and would agree on on that basis. I called back the following day to say I had changed my mind because her recitation of contract law was incorrect and that I disputed the charge. She said it was too late to change my mind and that I could appeal if I wished.

Company response to consumer: Closed with explanation