BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-02
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This issue has been unfolding over the last few weeks of XX/XX/XXXX, 2018, through early XX/XX/XXXX, 2018.

I maintain 2 checking accounts with US Bank. One is tied to my debit card and used to pay off credit cards. The other is rarely used, and thus has a low balance - under {$500.00}. I have had both of these accounts for around a decade. 

Last, I have a credit card through US Bank, for which the balance of about {$1000.00} was due in mid to late XX/XX/XXXX, 2018. 

I have purposely never had automatic payments to this credit card because I often pay it through outside checking accounts, but this time, US Bank 1 ) turned on automatic payments ; 2 ) turned on auto-payments only for the checking account with a low balance ; 3 ) did not turn it on for the checking account I generally use ; and 4 ) did not enable their system to pull funds from the larger account when the smaller account was exhausted, which it was.

I woke up to find a {$600.00} overdraft of the smaller account, and the larger account untouched, so I called US Bank and had them 1 ) reverse the payment ; 2 ) turn off automatic payments ; 3 ) enable overdraft protection such that if I attempted to overdraft the smaller account, it would pull from the larger account rather than overdraft ; and 4 ) reverse the overdraft fee.

This all seemed fixed until a few days later, when I found out that even though they reversed the overdraft fee and payment, that they forced the same payment to happen, and it overdrafted again and charged me 3 overdraft fees - the first, a {$25.00} extended overdraft fee from the first issue ; a new {$36.00} overdraft fee, and a third extended overdraft fee. 

I called them shortly after ( this is in the last days of XX/XX/XXXX ), to which they replied that they simply didn't do what we had discussed, despite agreeing to it. They did not stop that one account from automatically paying the credit card. They did not enable it to pull funds from the larger account when it was exhausted, and they continued to pile on fees. 

It would be a simple matter of phone calls except for their XXXX having made my car payment bounce. I have the funds, I guess I just don't get to control how they are used. 

I called today, XX/XX/XXXX, to which they claim to have fixed the problem. I am doubtful.

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 2019-09-11
Company: EQUIFAX, INC.
State: GA
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:
Balance {$3100.00} Last report date XX/XX/2019 Mailed and faxed to credit bureaus they still have not resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-11
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX my husband, XXXX XXXX XXXX, passed away in an accident and we had insurance on our vehicle, a XXXX XXXX XXXX. The insurance company, XXXX XXXX XXXX, paid the full balance of the loan directly to Ally Financial in XX/XX/2019. Ally confirmed the loan was paid in full via phone call on XX/XX/19. They advised during the call the loan would be removed from my credit report within 60 days showing paid in full. In XX/XX/XXXX, my cousin emailed them because the loan was still on my credit. I received no response she. Then, again on XX/XX/XXXX my cousin emailed them and still no response. I went to apply for a home mortgage and they informed me the Ally auto loan still shows on my credit as open now almost 6 months later. When I attempt to call Ally deceased accounts, I am hold for over 1 hour without anyone picking up ( XX/XX/XXXX ). I just want them to properly report my account so I can properly handle the passing of my husband. I hope this message can help me get this corrected. The XXXX  insurance company was great and the information on their claim is XXXX. The Ally account that should be showing as paid in full is XXXX. The emails are available, please let me know if you need them 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 2019-09-11
Company: EQUIFAX, INC.
State: KY
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:
My most recent FICO score says I have one late payment in the past twelve months. I have reached out to Equifax, XXXX XXXX, and XXXX, and all of them show that I have no late payments. I have no idea how to fix this!!!!! Also, XXXX  are thieves, you can not get a human on the phone and I had to pay after checking just two weeks ago.

Anyway, how is fico reporting a late payment and I do not see a late payment on any report??? This is time-consuming and horrible and life-impacting and I am done.

I just need help. If my payment history shows 100 % on Equifax and XXXX XXXX, and no late payments on XXXX why is FICO incorrect and how does it get fixed? No one should have to go through this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Hollis Cobb Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I sent the debt collection agency " Patient Accounts Bureau '' a certified letter with return receipt in which I requested that they contact me in writing through USPS mail and that they no longer contact me by phone in addition I asked that they validate the debt in which they say that I owe. The company received this correspondence on XX/XX/19 and since then have continued to call me nearly everyday since then. I have spoken with attorneys who have advised me that this is a violation of the FCRA guidelines and this behavior is harassment.

This company is called Patient Accounts Bureau, however they appear to be owned by another company known as Hollis Cobb Associates. In addition the company has multiple addresses, 2 of which are correct and a third which appears to be bogus as evidenced by the returned letter I received when trying to contact them via USPS mail. I have attached proof of all of these facts below, including the returned envelope of the third address and a screenshot of the companies online XXXX XXXX profile listing this address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Portfolio Recovery Associates, LLC contacted my father on XXXX about a debt I owe them for a XXXX XXXX. XXXX XXXX Credit Card balance. They disclosed in a letter my account number, the seller, the merchant, original creditor, who the debt is owed to, and my balance. This extends beyond the boundaries they are allowed to work within when contacting others about my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I've attempted several times to resolve this problem I'm having with the credit bureau claiming they are verifying accounts but does not provide any proof with the consumer of how they verified the information. I have yet to receive any letters verifying my signature on a contract. By law I'm permitted to request this information and if the information isn't provided then theirs no proof that the accounts is my account and therefore is inaccurate. I don't have a problem paying the debt I actually benefitted from but I refused to pay for accounts I never authorized to be open and then charged.

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 2019-09-11
Company: PLANET HOME LENDING, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
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:
Planet Home Lending have late payments on my credit report even though I paid in full plus the fee I want them to remove late payments from my Credit Report thanks I called them in advance and explain my situation they told that would accept double payments plus the fee, I have not miss a payment since then, 2017 is not a late payment is incorrect I always pay them on the XX/XX/XXXX of every month from my XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Tower Loan of Mississippi, Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are inquiries on my report from these companies that I do not recognize. I have made an attempt to contact the company to have it corrected and to prove that it was fraud without resolve. I have filed a formal police report in XXXX, AL. The case number is 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 2020-02-01
Company: JPMORGAN CHASE & CO.
State: WI
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:
First problem is that this company stole my money : XX/XX/2020 Posted date XX/XX/2020 Merchant info XXXX DescriptionXXXX  MethodOnline, mail or phone Card number ( ... XXXX ) CategoryProfessional services This company stole {$1400.00} from me, they were supposed to give me access to a website and a daily newsletter. I am not getting anything from the fraudulent company. Chase is NOT responding to my emails and when I talk to customer service they are extremely rude. I have not received a credit from Chase and they are not investigating. 

Second problem, back in XX/XX/XXXX I sent about {$600.00} to XXXX via Chase. XXXX says they never got the money from Chase. Chase claims they sent it. Again, I lost {$600.00} due to Chase being inept.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid off my mortgage on XX/XX/2020. Dovenmuehle issued an escrow check to me for an overpayment of {$2800.00}. I never received the check. I have called repeatedly asking for them to reissue my check and they have taken no action. I have called a dozen times seeking to get a resolution and no one is available to help. It's been a miserable experience. I need someone to help me. This is totally unfair. They have my money and I can't seem to get them to send it to me despite calling every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Balance {$18000.00} Last reported XX/XX/2019 Mail and faxed dispute

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 2019-09-11
Company: Experian Information Solutions Inc.
State: KY
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:
My most recent FICO score says I have one late payment in the past twelve months. I have reached out to XXXX, XXXX XXXX, and Experian, and all of them show that I have no late payments. I have no idea how to fix this!!!!! Also, Experian are thieves, you can not get a human on the phone and I had to pay after checking just two weeks ago.

Anyway, how is fico reporting a late payment and I do not see a late payment on any report??? This is time-consuming and horrible and life-impacting and I am done.

I just need help. If my payment history shows 100 % on XXXX  and XXXX XXXX, and no late payments on Experian why is FICO incorrect and how does it get fixed? No one should have to go through this.

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 2020-07-29
Company: EQUIFAX, INC.
State: VA
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:
As of today, XXXX is continuing to report on my Equifax credit report XXXX student loans that were included in chapter XXXX bankruptcy in 2019 as having balances and in charge off status ( the other bureaus have deleted or corrected this info ). I have notified XXXX and they have closed out my disputes as duplicates in error without addressing the issue related to my bankruptcy filing in 2019. The issue that I reported previously regarding these loans was in regard to the original delinquency dates, which is another matter. Regardless of the original delinquency date dispute, these loans were included in bankruptcy on XX/XX/2019 and discharged on XX/XX/2019 & XXXX was obligated at that time to report a zero balance on all of the loans they held at that time and stop reporting charge offs. Not only did they fail to do so, but I have now notified them a total of 5 times in writing that they have ignored. I need this immediately fixed on my credit or I will file suit within the next 14 days. These are old accounts that should not be reporting any activity since the bankruptcy. 

I do not agree that I owe this debt and nothing in this correspondence is an acknowledgement of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: Experian Information Solutions Inc.
State: CT
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 or about XX/XX/2021 I submitted an ''Dispute '' accompanyed with a 609 ''Dispute letter. to ''Experian '' Credit Reporting agency. To date XX/XX/2021, Experian has not removed or responded within the 30 day period in accordance of the Fair Credit Reporting Act.

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 2019-09-11
Company: U.S. BANCORP
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have tried to lower my debt but as I dont have a good paying job I am struggling to make payments on my XXXX MasterCard. I would recommend to do an audit of who has access to that information and who doesnt. I didnt allow any access to my personal information on any credit cards.

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 2019-09-11
Company: SYNCHRONY FINANCIAL
State: MD
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:
I paid off my balance with synchrony Bank last month I called them multiple time for them to resolve the matter with a letter explaining that my balance is {$0.00} still didn't receive a letter and the problem still not resolve. My credit score report drop significantly and showing serious delinquency because of this matter I need it to remove ASAP because I do not owe that bank anything and it impacted my credit score severely.

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 2020-08-20
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I cancelled my citi card about a year ago. I was finally in a position to pay it off in full, so I called. I was told to send {$6500.00} and all business with Citi would be complete. I sent the full amount and my latest statement clearly paid in full. However, Citi is trying to scam me by sending a bill for {$30.00}. Im told by their csr, " that represents the interest while we waited to get your payoff check ''. Give me a break! What kind of a low life company is this?

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 2018-02-02
Company: EQUIFAX, INC.
State: LA
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 contacted Equifax Credit Bureau by mail and email about information that's reporting to my credit report as inaccurate. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Equifax has sent me letters via their online site stating they have verified that the item is correct but has not sent me any documents that I have a right to verify. The accounts are as follow : XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX I have always placed a fraud alert on my account when I noticed inaccurate inquires which Equifax is aware of and due to Equifax breach which I have confirmed with their representative that I am impacted by. Due to Equifax lack of responsibility with my information has been compromised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-11
Company: BANC OF CALIFORNIA, INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My bank Banc of California located in XXXX and XXXX XXXX had 10 days since XX/XX/2019 to dispute a charge from a merchant The XXXX XXXX XXXX   XXXX for {$730.00} on XX/XX/2019 that was an unauthorized charge I never signed for when the XXXX police department was on the scene the employee name XXXX requested me to sign a document authorization get a charge for XXXX that I declined to sign because she was over charging me the receipt I received from the Manager on XX/XX/2019 reflected that I owed a balance of {$240.00} and on XX/XX/2019 XXXX charge me debit MasterCard ending in XXXX for XXXX. XXXX also give me a receipt reflecting a credit of {$550.00} back to my bank account with XXXX XXXX XXXX XXXX of XXXX XXXX CA debit card ending in XXXX but the credit was never applied to my account put my card in a over draft amount. I have send both bank all documents needed to dispute the charges and there has not yet been a resolution. I have spoke with XXXX and XXXX of the XXXX XXXX XXXX for Banc of California in regards to speaking to the dispute department XXXX had advised me that the dispute will not contact me only her and she will summit all document that I Offered her on XX/XX/2019 when the dispute was filed by the end of the business day today which is over the ten days I was advised that the dispute process would take. I have tried to resolve this issue with Merchant on XX/XX/2019 by talking to the manager the front desk associate XXXX who refuse to give me her name another front desk clerk give me her name. I also went to the location and spoke to XXXX today a Manager XXXX over the phone the evening around XXXX western time and they all dont have any receipt XXXX ask me to give him copies of the credit receipt that was never posted to my account with no resolution they all are acting as thou they dont know how the credit was not issued back to my card. I ask for the corporate phone and called there today with no response as of right now. XXXX who worked at the XXXX stated that all charges before XX/XX/2019 were not charges to my accounts but authorizations and without premission charge my account for XXXX.

Company response to consumer: Closed with explanation