BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-27
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
OnXX/XX/XXXX, at the drive through window of US BankXXXX XXXX XXXX XXXX XXXX XXXX XXXX MO, I processed a stop-payment transaction on a check for {$9400.00} I had made to a contractor who had done some work at my house. I determined that he had overcharged me, and when I telephoned him he became threatening. The stop-payment was suggested by my attorney. The check had not yet been submitted to my bank, so there should have been no problem. When the young woman at the bank 's drive-through window asked for the check information, I gave her the carbon copy of the check I needed to stop payment on. The check number was XXXX, but the young lady typed in XXXX and told me the transaction was successful. ( The number XXXX on the keyboard is accessed with the little finger of the left hand ; the number XXXX  with the little finger on the right hand. ) It was only a week later that I learned that she had typed in the wrong check number, when I received a letter from the bank telling me that the transaction was successfully executed. The check that the bank employee put the stop-payment on was not only for a much less amount, but it was more than 6 months old and had been paid long before to a different person. I first complained to the bank manager at the local branch on XXXX XXXX. When the bank would not provide any compensation for their mistake, I wrote a letter of complaint to the Missouri Division of Finance, which they forwarded to the federal Office of Comptroller of the Currency because US Bank is a national bank, which did n't even take my complaint seriously. Now the contractor will not even deliver materials already paid for, much less finish the work already paid for. Please help.

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 2021-04-18
Company: CITIBANK, N.A.
State: MI
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:
My Citi credit card account was closed XX/XX/XXXX with an ending balance of {$730.00}. My credit limit was XXXX. Upon receiving my next billing statement after the account was closed, I noticed the amount due jumped hundreds of dollars of the previous balance. 

The last time I used the card was on XX/XX/XXXX which placed me right at my XXXX credit limit. The account was closed end of XXXX ending with a {$730.00} balance for my XXXX billing cycle. I had a payment that was supposed to have processed for the amount of {$270.00}, which unfortunately declined. 

I was then charged a returned check fee, as well an additional {$270.00} in error that shows up on my XXXX statement XXXX as a purchase, and on a closed account. 


I contacted Citi several times about the issue, XXXX XXXX I spoke with someone over the phone that stated she and her manager would place a dispute on the account for the error and to allow 4-5 business days for the error to be removed from my account. 


Today is XX/XX/XXXX and I have been getting the worst customer service, the run around about the issue, transferred from department to department, Ive spent hours on hours for days at a time trying to get the issue resolved and no progress has been made. 

Each agent I speak with state how they arent able to assist me, then transfer me in circles, I have yet been able to speak with someone or provided with accurate information on how, and who to speak with directly about getting this issue resolved right away, all to be unsuccessful every time. 

I am being charged more interest than I should be on a much higher balance now, as well as its sitting and causing more damage to my credit report than I have already done for myself.

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 2018-01-16
Company: Navient Solutions, LLC.
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: Old information reappears or never goes away

Complaint:
I have 12 student loans from XXXX XXXX account and one from navient that keep appearing and that i am no longer liable for on my credit report Open dates for XXXX XXXX XX/XX/XXXX ( 13 yrs, 11 mos ) XX/XX/XXXX ( 13 yrs, 2 mos ) XX/XX/XXXX ( 12 yrs, 1 mo ) XX/XX/XXXX ( 12 yrs, 5 mos ) XX/XX/XXXX ( 6 yrs, 8 mos ) XX/XX/XXXX ( 7 yrs, 4 mos ) XX/XX/XXXX ( 6 yrs, 8 mos ) XX/XX/XXXX ( 7 yrs, 4 mos ) XX/XX/XXXX ( 6 yrs, 8 mos ) XX/XX/XXXX ( 6 yrs ) XX/XX/XXXX ( 6 yrs ) XX/XX/XXXX ( 5 yrs, 4 mos ) Open dates for navient XX/XX/XXXX ( 11 yrs, 2 mos )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX and Transunion are reporting incorrectly a collection in the amount of {$810.00} on the XXXX XXXX. partial account number XXXX. ( Please see page 14 of the attached credit report. ) I was insured with XXXX and I contacted XXXX to discuss this outstanding bill and the representative I spoke with at XXXX could not locate any billing records from XXXX, XXXX on the referenced date of service. It would appear that XXXX, XXXX. never billed XXXX and consequently this account has gone into collections. This billing error is not my fault and XXXX, XXXX needs to bill XXXX and reverse the collection proceeding against me. This incorrect reporting is harming my credit score and this line item needs to be deleted from my credit report. I have contacted the ( 3 )  bureaus to fix this, however I have been unsuccessful.

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 2017-11-03
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: Account information incorrect

Complaint:
This information is incorrect, because a deferment was filed to cover months. And no payments were due. So the negative reporting should be positive You 've paid off 100 % of your student loan amount.

Balance {$0.00} Highest Balance {$26000.00} Monthly payment {$50.00} Opened XX/XX/XXXX ( 11 yrs, 4 mos ) Term 120 months Payment History Youve made 44 % of payments for this account on time.

XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last payment XX/XX/XXXX Current Payment Status Current Worst Payment Status 120-149 Days Late Account Details Account status Closed Type Student Responsibility Individual Remarks Dispute resolved ; customer disagrees Worst payment status 120-149 Days Late Times 30/60/90 days late 0/2/12 Closed XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
This information is incorrect, because a deferment was filed to cover months. And no payments were due. So the negative reporting should be positive You 've paid off 100 % of your student loan amount. 
Balance {$0.00} Highest Balance {$26000.00} Monthly payment {$50.00} Opened XX/XX/XXXX ( 11 yrs, 4 mos ) Term 120 months Payment History Youve made 44 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXLast payment XX/XX/XXXX Current Payment Status Current Worst Payment Status 120-149 Days Late Account Details Account status Closed Type Student Responsibility Individual Remarks Dispute resolved ; customer disagrees Worst payment status 120-149 Days Late Times 30/60/90 days late XX/XX/XXXX Closed XX/XX/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 2021-04-18
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I called the company ( XXXX  ) to ensure my auto pay was on and would be continues to stay on prior to XX/XX/XXXX ( my due date ) .I get a call thursday XX/XX/XXXX and Friday XX/XX/XXXX stating I had an every due balance ( robo call ). Saturday XX/XX/XXXX they called AGAIN demanding payment immediately and stated my auto pay was shut off. They called again XX/XX/XXXX at XXXX am to get a payment AFTER telling them less than an hour before I would call them in a week for payment since my auto pay was *magically* was turned off. They called AGAIN Sunday XX/XX/XXXX @ XXXX, XXXX am, XXXX am, and XXXX am. Even tho I repeated for the past several days I would call back in a week - and yet they continue to harass me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have tried to close my XXXX mothers account ( s ) for months, Bank of America has all the documents ( as they required ) but somehow can not close the account ( s ). After many, many, many calls they closed the XXXX account but somehow lost the other XXXX account. Despite many calls and many discussions they want to call the account closed, even after admitting that they lost an entire account worth 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 monetary relief
Consumer complaint received 2017-09-20
Company: EQUIFAX, INC.
State: VA
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:
No safe guards for my personal financial profile at Equifax- their data base hacked with my credit files

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: EQUIFAX, INC.
State: MN
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:
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 stress 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 2019-09-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED DOES NOT BELONG TO ME, PLEASE HAVE THOSE NEGATIVELY REPORTING ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY FILE. I HAVE NO KNOWLEDGE OF THOSE ACCOUNTS UNTIL I RECENTLY VIEWED MY CREDIT FILE. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS REMOVE.

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 2019-04-17
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Ive reached out to Navient the servicer of my student loan. Multiple times my accounts were switched to forbearance after calling navient why my accounts were being automatically switched without any notice. This has caused me to pay much more in interest to navient over the life of the loans. Navient has switched my accounts to forbearance multiple times without permission. When I try reaching out to Navient I have received multiple hang ups and the problem keeps occurring. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: ERC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
The creditor changed the dates of the account to make them more recent. I have had the same cell phone account with att since XXXX but only have 1 copy of a bill from XXXX. XXXX is claiming that I had an account with them from XXXX which is a lie. I had an account with them 1 time in XXXX, which was a shared account with XXXX XXXX. Please search and find that these documents have been changed to collect money. I even sent XXXX photos from XXXX to show accurate depictions of the cellphones I had with XXXX to corralate with the year. The phone I have with XXXX was a XXXX and XXXX XXXX which XXXX did not specify in the document because they know they changed the documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: Diversified Adjustment Service, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This Collection Agency has listed a collection on my credit report. Firstly, they have not validated that this debt belongs to me. Secondly, they are not licensed in my state to even collect debts which is a violation of the federal law. Please remove all collections from my reports as soon as possible otherwise I will have my lawyers look into a lawsuit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
It's challenging enough when your identity has been compromised, but for the credit reporting agencies to continue to report unverified accounts then it becomes an legal issue. I was either told that my previous disputes where verified or they didn't respond at all. However, no account has been properly verified because I never recieved the requested hard copy of documentation for neither disputed account. The credit reporting agencies would say that yes the accounts been verified, however as a general rule of law electronic Verification can not be accepted as proof. Exactly what Method of Verification was used?, who spoken with whom?, what date and time did this investigation take place? Now if you can not provide me with this information then as a consumer I'm demanding that these accounts be blocked immediately from my credit files. 
Accounts to be removed. 
1 ) XXXX {$72.00} 2 ) XXXX {$71.00} 3 ) XXXX XXXX   {$130.00} 4 ) XXXX XXXX XXXX {$30.00} 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX {$680.00} 7 ) XXXX XXXX XXXX {$140.00} 8 ) XXXX XXXX XXXX {$350.00} 9 ) XXXX XXXX XXXX   {$5700.00} 10 ) XXXX XXXX XXXX XXXX {$3800.00}

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 2021-10-22
Company: EQUIFAX, 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:
Final update regarding the following complaints : XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | On XX/XX/2021, the Financial Non-Depository Examiner from the Office of the Commissioner of Financial Regulation in the Maryland Department of Labor confirmed that I do NOT owe the deficiency balance reported by XXXX XXXX, XXXX. The deficiency balance reported by XXXX XXXX XXXX XXXX is disallowed under the power vested to the Commissioner by Md. Code, Com. 12-1021 ( j ) ( 3 ) [ 2021 ].

I demand that the credit bureaus retroactively scrub any and all negative data from my credit reports and deny any additional negative reporting regarding this case. 

Lastly, I am concerned that the CFPB is seemingly a mere soundboard about as effective as a crowd-sourced review website. This process took far too long despite the irrefutable evidence I presented. If I didn't possess advanced legal knowledge as someone who sat for the bar exam during this ordeal, I am not sure I would have been treated fairly in the end. I am seriously worried that laypersons are extremely vulnerable to unfair credit reporting practices with very few resources available offering sufficient recourses. How many people had claims similar to this that were meritious but were only recorded and not resolved because agencies and credit bureaus took the word of the creditor over the debtor even when the debtor was unfairly treated? Here, the creditor only had to create documents to support their defense - of course, it will be biased - so, why accept them for their face value? A deficiency balance is not valid simply because the creditor says so. I hope Congress and state legislatures use this case as an example to strengthen consumer protections and to improve the efficiency of this federal bureau. 

Thank you. 

Enclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: WELLS FARGO & COMPANY
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:
Wells Fargo is not applying credit card payments to the highest rate balance. Even after the minimum payment is covered for the lowest interest rate balance, they are first paying off 0 % interest rate balance transfer offers first and leaving higher rate purchases and cash advance balance to be paid off last. This leads to making it nearly impossible to pay off any purchases or cash advances until the promotional balance transfer offer is paid off, thereby locking the consumer into paying interest if they use the card after the balance transfer 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 2019-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
On XX/XX/XXXX I submitted enclosed notarized copy to each credit bureau XXXX, Transunion, XXXX   requesting immediate removal of fraudulent accounts reported on my consumer credit report file. 30 + days later these accounts are still reporting to my credit. Surely it doesnt take 30+ days for verification of these accounts all of these accounts were fraudulent opened online. Please do your due diligence and you will see that the original address for all these accounts were a fraudulent address. I had a private investigator to research the address of XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Please see my second request letter enclosed ( attachment ). I'm requesting the credit bureaus either show me proof of a signed credit application where I open these accounts or remove off my credit file immediately

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 2019-08-06
Company: Jana Ferrell & Associates LLC
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been trying to work with this agency to resolve an outstanding debt with a physical therapy office. They have refused to verify the debt and never told me they required written request to verify debt until I hired an attorney to resolve the issue. I was never sent any notice by this agency at all - I called them after I saw a collection report on my credit. They told me I could fax in the request, but then refused to confirm whether or not they had received my request. They kept telling me unless they received a written request they refused to verify the debt for which they were ruining my credit. They also changed the amount I owed so now there are two collections on my credit, which is incorrect. Every time I try to talk to them they tell me I am being " combative '' and end the call.

Company response to consumer: Closed with explanation