BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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 requested Bank Of Americas remove late payment reporting ( XXXX, XXXX, XXXX and XXXX of XXXX ) on my credit history and after several discussions an reporting they refuse to. 

In XXXX of XXXX Bank of America merged a bank card I held with another person and which was closed with my personal credit card online account management system. When they did this it removed my current XXXX XXXX XXXX XXXX information which is what I had set up to do monthly recurring payments. This account was set up this way since XXXX and I had never had a problem since they did this merger - and with out my knowledge or approval. This merger also wiped out all my contact/email information which was how I received notification and statements on my account. 

In XX/XX/XXXX I went in and did a one time {$5000.00} payment to pay the balance in full. With out my knowledge it used the closed BOA account as the payment method instead of my XXXX XXXX account. I never received any notification that this happened or that the payment did not go through. 

They posted a late payment notice on my credit report and I called BOA immediately. Their technician agreed it was their fault and he corrected the situation with the online system and we re-set up my XXXX XXXX account information. They took off late payment fees and I then paid my account up to date. They also agreed to removed the XXXX late payment posting - which they never did. 

There after the same thing happened with their system and it kept trying to use the closed BOA account as the reoccurring payment. They then kept posting late payments to my report report and charging me late fees. 

Now they are saying it is my fault and responsibility. How can I be responsible for an online financial management system they manage and offer to their clients? They are diverting responsibility and now have put my financial future in jeopardy. 

I have reset up the recurring payments AGAIN with their tech which is $ XXXX/month. However they are still posting late payments because I am now at {$1200.00} in a minimum payment which I can not afford at this time. 

They have refused to work with me on any level and will not accept any responsibility for the technical disfunction in their online payment system. 

I am in the process of finding legal presentation on this matter but in the mean time I want to file and record this issue with CFPB. This process is quite unfair. They do research on themselves and then file a report saying its my fault that their system faulted.

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 2022-09-03
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/2016, XXXX XXXX Account was opened. We had a car with them and surrendered the vehicle due to undisclosed information for the temporary insurance they provided. The agreement was for us to utilize their insurance until we found a company that would insure our vehicle under full coverage. At the time we only had liability. Our monthly payment was higher due to XXXX XXXX insurance. A few months later we gained full coverage with XXXX and called XXXX XXXX to give them the information and to cancel their insurance and go back to our regular monthly car loan payments. They told us they will not cancel their insurance it will continue on for the duration of our loan. We were outraged, we tried to speak with upper management. We was unsuccessful. We told them we would not continue business with them. They did not disclose that information nor did we sign any documentation stating their temporary insurance will stay on for the duration of our loan which meant we would have to pay XXXX full coverage car insurance plus the car note payments. We told them to come and pick up the vehicle. We explained we placed new tires on the car, and replaced the car battery. They sold the car at an auction and did not include the updates. They then told us we had a remaining balance to pay them. We were again outraged. After a few months of searching for free legal representation, we received a notice of our credit report scoring plummeting tremendously due to XXXX XXXX placing us in collections. XXXX XXXX reported every month of non payment, even though we tried to state the fraudulent act they committed on us. We lost out on home purchasing due to them and as a result we had no choice but to pay the settlement amount they suggested to us in order for them to close the account and have it removed. It is XXXX  years later, they still havent removed themselves from our credit and placed the account as a charge off. We paid them in full.

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 2019-04-17
Company: Integrated Asset Recovery LLC
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
A lien was placed on my property after a XXXX Bankruptcy preventing me from moving forward. I was never notified of this lien. The Bankruptcy was XXXX a few years ago and the file has since been deleted with the company yet they refuse to acknowledge the fact that I need the lien removed.

Company response to consumer: Untimely response
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/2016, XXXX XXXX XXXX  was opened. We had a car with them and surrendered the vehicle due to undisclosed information for the temporary insurance they provided. The agreement was for us to utilize their insurance until we found a company that would insure our vehicle under full coverage. At the time we only had liability. Our monthly payment was higher due to XXXX XXXX insurance. A few months later we gained full coverage with XXXX and called XXXX XXXX to give them the information and to cancel their insurance and go back to our regular monthly car loan payments. They told us they will not cancel their insurance it will continue on for the duration of our loan. We were outraged, we tried to speak with upper management. We was unsuccessful. We told them we would not continue business with them. They did not disclose that information nor did we sign any documentation stating their temporary insurance will stay on for the duration of our loan which meant we would have to pay two full coverage car insurance plus the car note payments. We told them to come and pick up the vehicle. We explained we placed new tires on the car, and replaced the car battery. They sold the car at an auction and did not include the updates. They then told us we had a remaining balance to pay them. We were again outraged. After a few months of searching for free legal representation, we received a notice of our credit report scoring plummeting tremendously due to XXXX XXXX placing us in collections. XXXX XXXX reported every month of non payment, even though we tried to state the fraudulent act they committed on us. We lost out on home purchasing due to them and as a result we had no choice but to pay the settlement amount they suggested to us in order for them to close the account and have it removed. It is XXXX years later, they still havent removed themselves from our credit and placed the account as a charge off. We paid them in full.

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 2017-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 opened this account in XX/XX/XXXX with XXXX, in the amount of {$3600.00} this account is now showing up with another lender ( XXXX XXXX ) I have not had any contact or activity on this account with anyone from XXXX since at least XX/XX/XXXX ( best guess ). I have not signed any new papers or taken any new loans with either XXXX or XXXX, XXXX. This 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 2021-07-01
Company: ERC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX and I do not have a contract with ERC plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$590.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Every month I add an extra payment to the bank. Each month, they apply partial to the principle and partial to interest. I have texted the bank online, every month, to have the payment applied to the principle. 
Sometimes they follow through and sometimes they don't. For one payment, they removed it completely without putting it back in. Most recently, I have been quite insistent that they fix all of the transactions. This does not result in any response. I have called to try to resolve this over the phone but they hang up on me. 

My written requests have been 1. Paper statement to be mailed to me 2. A full record of all installments to principle and interest since the inception of the loan with the balance showing on each installment. 
3. A phone call from an administrator They have not responded to my requests, twice by use of the text.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2021 I moved out of XXXX XXXX ' XXXX XXXX XXXX. In XXXX I received their Move Out fees, for {$1800.00}, which I promptly paid with a Cashier 's Check From XXXX XXXX XXXX XXXX. On XX/XX/XXXX the cashier 's check cleared through the bank utilized by XXXX XXXX XXXX. 

In XX/XX/2021 I received a letter from Pro-Collect stating that I owed {$1800.00} to XXXX XXXX XXXX. I informed them on XXXX XX/XX/2021 that the Debt was not valid, That I had filled for Chapter XXXX Bankruptcy and to contact my attorney, and as courtesy I provided them a copy of the trace provided to me by XXXX XXXX XXXX XXXX to the email listed on their website XXXX along with the account information. 

On XXXX XX/XX/2021 I received a notification that pro-collect " flagged my account as collections. '' I logged into XXXX XXXX to verify they had done so with other credit agencies.

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 2018-02-05
Company: AMCOL Systems, 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:
I obtained a copy of my credit report in XX/XX/2017 and noticed that XXXX XXXX XXXX XXXX ( Reporting as Amcol ), Inc.was reporting a collection account. I submitted a dispute letter to the credit bureaus regarding the account and they stated it was verified. To that end, I communicated in writing to Amcol in XX/XX/2017. I requested that they provide me copies of any documents proving my indebtness. See attached. I have not received any documentation to date to support the inaccurate, unverifiable entry they are continuing to report on my credit report. This company has had almost 6 months to respond. I have no recollection of ever owing them nor ever doing business with them whereby I signed a contract. The reporting of this entry is violating my consumer rights and therefore, should be removed immediately. 

The company should provide proof of all HIPPA information whereby I gave the XXXX XXXX XXXX XXXX permission to allegedly share my information with them as well as copies of their adherance to the Affordable Care Act where there was a screening performed as well as a clear summary that spells out the financial assistance/charity care options available if I am indeed responsible for this debt. 

Further, where are the copies of the letter XXXX XXXX XXXX should have sent in writing first, to advise me that they were turning over this alleged debt to the a collection agency. Also per ACA, once the collection agency, in this case, Amcol, received the debt, they were still responsible for providing billing information and payment plan options to help satisfy this alleged debt. As stated above, I have not received anything from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Experian Information Solutions Inc.
State: IL
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$5500.00} XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX  XXXX XXXX  Inquiry Date XX/XX/XXXXXXXX XXXX  Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX  XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  XXXX XXXX XXXXXX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXXXXXX  Inquiry Date XX/XX/XXXX XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry date 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 non-monetary relief
Consumer complaint received 2022-09-03
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Sunday XX/XX/2022 navy federal credit union said I had a certain amount of money available. Roughly {$600.00}. In my account. 
I checked pending transactions and everything was there. 
I decided to make an extra payment of {$250.00} towards my credit card because I thought I had extra money. 
Monday XX/XX/XXXX I noticed I had {$100.00} in my account and was confused because the {$250.00} to my credit card didnt come out and all of the transactions were still the same. 

They said it was that the pending transactions didnt pull from my account even though it displays the amount of {$600.00}. 
I had put {$1000.00} in my account the day before so it made sense that having dinner and drinks left me with {$600.00} from the {$1000.00}. 

I noticed that they are keeping the pending charges and displaying a false amount to make me over draw my account and pay over drawn fees. I called them and they said they have no control over that. But it seems like a its false. I keep good track of what time my money goes in and out. So something doesnt seem right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
USAA does not have the option to establish auto-payments for loans. This is a burden on all of its members since each person has to manually set up all the payments in advance and often causes late payments since it is not easy to pay. This is especially concerning because USAA serves military members who deploy and do not have the capability to check their bank account to set up a payment. 

This has been an issue for at least a year in my experience and I have been told by USAA that has been ongoing for a longer amount of time. They seem to not be making it a priority which is why I am submitting a complaint. As a future deploying service-member, it is unacceptable that this may cause me to go delinquent in my payments due to their system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
after over 30 years of having this Citibank checking account with no issue, the bank now holds deposited money for days with no explanation why. I discussed this issue with the bank manager with no resolution or information. I then was on hold for 26 minutes to talk to a phone rep who could  not help me then transferred me to a XXXX from XXXX when said he could not help me and had no information for me then when i asked to be transferred to someone who could answer my question he hung up on me. I need proper access to MY own money. Please help me. Thank you.

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 2022-09-03
Company: EQUIFAX, INC.
State: OK
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 have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am not sure exactly when I started receiving calls from portfolio recovery company. I have perfect credit I have not received any letters in the mail I have not received anything online telling me that I owe anything to anybody. 
I am able to check my credit report through XXXX XXXX  anytime I want and it doesnt show that I owe anybody anything. this portfolio recovery calls from all different numbers and luckily my phone silences them but Im very tired of seeing this on my phone there is no reason for it since I do not owe them or anybody any money. I want this to stop. I have screen prints if needed for all the times they have called and from where. Thank you they all come in as portfoliorecov I will show you a few theres just too many. 
XX/XX/22 XXXX XXXX - XXXX l XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 rest I dont know because I was just deleting them. thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-07
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I received an auto loan from Santander in XX/XX/XXXX for a XXXX XXXX. I fell on hard times and didnt pay my note for two months. They repossed the car. I paid the money to get it back. I didnt even get a notice that it would be repossed. 

It is now XXXX. I have paid over 16,000 toward the car and I still owe XXXX. I bought the car for XXXX. Every time I call I am never given the proper explanation. I have been taken advantage of and I know something isnt right with the interest rate. I just need a lawyer to look things over for me. Even when they give me a pay off date I divide the money I owe by my monthly payments and the payments far exceed the date they gave me. Can someone please help with this and let me know if there is a class action suit in Michigan against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
JPMCB AUTO FINANCE ***** Opened XX/XX/2018 Balance {$21000.00} As a client, I now have privileges that are presented to me to secure me through misinformation being recorded on the credit report. Right now I wanted to get a final request for examination before I discuss with my lawyer for information on how to deal with inaccurate and unverifiable things that are ongoing to be approved as genuine. I highly recommend you offer me a copy of the contract authorized or voice conversation where I allowed billing me with this account.

Company response to consumer: Closed with explanation