BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My XX/XX/XXXX, Bank of America credit card statement had a New Balance Total of {$4400.00} with a Minimum Payment Due of {$44.00} by XX/XX/XXXX. On XX/XX/XXXX, I initiated a {$4700.00} balance transfer from my BoA account to my XXXX XXXX account. The transfer posted to my BoA account on XX/XX/XXXX. I also had autopay setup through BoA 's bill pay system, and it autodrafted my previous account balance of {$4400.00} on XX/XX/XXXX. This meant my XX/XX/XXXX BoA statement had a New Balance Total of - {$4300.00} with a Minimum Payment Due of {$0.00} by XX/XX/XXXX. The Important Messages section on Page 4 of the statement clearly says " You have a credit balance and do not need to make a payment on your account. '' I did not routinely check my BoA account or bank account after verifying the balance transfer had posted, so when I noticed this draft from my bank account I was very upset and called BoA. They indicated they had no control over the e-bill system and didn't know what had happened. I requested they refund the payment, which they finally did on XX/XX/XXXX. I verified the money was back in my bank account and didn't think anything else needed to be done. On XX/XX/XXXX, I tried to use my BoA card online and it was denied. When I logged into my account, it showed my account was past due and that I had missed a payment. I double checked my XXXX statement and verified it showed {$0.00} minimum payment due by XX/XX/XXXX. At this point I was very upset, so rather than call BoA I used their online chat system. I believe the representative I dealt with was XXXX. She initially said I'd missed a payment, then after 30 minutes of back and forth explaining the situation to her, she credited the {$25.00} missed payment fee, and said she had fixed the account. 

I assumed the issue was taken care of until I tried to use my card online today and it was once again denied. This time I called BoA and had to go through the whole scenario again. The first rep explained that I'd missed a payment in XXXX that was caused by BoA refunding my XXXX payment. I explained my XXXX statement shows there is {$0.00} due so there was no way I could have missed a payment. I finally asked to speak to her supervisor. The supervisor looked at the account, noted that the {$25.00} had been credited on XX/XX/XXXX, but then said I should have made a minimum payment in XXXX and that there was nothing she could do about it other than take a payment today. I once again pointed out the XXXX statement and she told me that you have to make a payment every month, which is ludicrous.

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 2017-05-29
Company: Halsted Financial Services, LLC.
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
First contact was made on  X/XX/17    gentlemen informs me I have an outstanding balance on a loan. I inform the individual that I 'm not aware of a loan and would like to see a promissory note of some sort. The individual became rude, condescending and refused to provide evidence that I was ever responsible for the loan. So I informed the gentleman that I would not make any arrangements until proof could be provided. The gentleman then began making claims that they would proceed with legal action and verifying my employment. I then reinforced that no arrangement would be made and then asked that all communications cease. Since I have received calls on  X/XX/17   ,  X/XX/17   , and  X/XX/17

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
ALL CREDIT AGENCIES VIOLATED FCRA REPORTED OUTDATED ACCOUNTS/ NOTMINES ... '' XXXX ( XXXX XXXX ), XXXX ( PUBLIC STORAGE ), XXXX XXXX , PUBLIC RECORDS ( XXXX, GA ) ..REMOVE ALL FROM FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I financed a vehicle through Toyota Financial. I was always on on time with my payments. I lost my job and had to file Bankruptcy. Toyota did n't take my payment. Before the Bankruptcy I tried to get a deferment but they said no. 
I got another job and decided to drop the Bankruptcy and pay my creditors. I have been making my payments every month with Toyota and paying on the past due month that I owed. Toyota is reporting me 30 days late every month when I am not 30 days late. I have bank Statements showing my payments every month

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
No response to request for verified information, sent multiple request to fix errors ion my report, no answer from Trans Union

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 2020-03-08
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My now x husband stop paying the mortgage XX/XX/XXXX and I was not notified until XX/XX/XXXX {$2600.00} behind. I asked why was I not told they said they did not have my info. I am not the co buyer and by law the have to keep me informed of this mortgage and if they don't have my info it is there fault need to my I spoke to several lawyer and was told that is against the law and I hired one to sue. They found me a year letter to send the letter which show that they could find me. Now I'm in  forclosue band they have a sell date. I got papers the end of XXXX stating they were going to restart the forclosue and I called on the 6th with a company to help my with this problem and was told about the sell date. Again if I had not called I would not no that the forclosue was started the letter said they are going to the court to start and to this point I have nothing in writing saying I'm in forclosue or they have a sell date so I would not know I have to do something to stop this like I'm saying Navy Fed does what they want and I suffer for it because I never know what's going. They can forclose for non payment and the law helps but no one says anything about me not knowing they were not getting paid nor did I have the option to pay cause I did not know. They use to take the payments out if my cheacking account but they stopped so I thought it was being payed. I had XXXX at on time XXXX another time and they took nothing after telling if the money was in the account they would but they did not even tell me anything until the money was gone GO FIGURE. I'm not stupid they know when I have money and when I don't. They go to the court like I'm a dead bet not paying my bills and it's working no one knows I did not know to pay thats why I am sueing because again I was told their actions on not legal. If the people that I'm working with now had not called they could sell my house before I could do anything. They do not do truthful or honest work. I did not no my x stop paying because the note was a draft from his paycheck so I had no way to track it but again no way one told me he wasn't paying and they were not pulling from my account which they said they would so I thought everything was good.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: U.S. BANCORP
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I requested a credit balance check in the month of XXXX. I called US Bank and asked when the check would arrive. I was told, instead, that the bank pushed the payments back to the third-party bill payer, CheckFreeBillPay. I shared my frustration with this action as I would have never requested this option. 
I called XXXX and they only refunded me four payments totaling, less than {$10000.00}. They gave the reference numbers and I received the return. However, the total return from US Bank was supposed to be {$10000.00}. I called US Bank and my phone call was elevated to a supervisor who created a inquiry about the missing ~ {$700.00} returned payment. A week later I received a letter from the Payment Research Department stating that the refund was completed given a trace number ( XXXX ). I called XXXX and they had no record of such a trace number. I provided them the US Bank altitude card number and saw the refund for the 4 payments that I already received. They clearly stated that there was no other refunded money. They checked the trace number 3 times. 
I called US Bank again, and again elevated to a supervisor who apologized and elevated the issue. A week later I received another letter from the Payment Research Department, stating the exact same words as the previous letter. XXXX from Payment Research Department said they it was received XXXX to XXXX with the same trace number. Again, XXXX has no idea what this number refers to and I am still waiting on my full refund for over a month. 
I am very angry at the customer service I have received. Its one thing to receive same exact letter a second time, insinuating that it must be my fault or that US Bank is not at fault at all, its another to place the burden on me to find the money you returned in the way I did not ask. 
I have found calling a third time to be a waste and rather a letter stating what has happened and my request for US Bank to call XXXX and then call me at XXXX or my husband at XXXX to tell us where the money is at. I do not want another letter. A person should be calling me. I have been patient about this issue but the treatment I have received is one of the worst I have received. 
I hope this issue is resolved. If not, I will elevate to the consumer financial protection board and pursue other legal remedies.

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 2020-03-08
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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: Seterus, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
seterus keeps sending foreclosure statements although we are actually paid over on mortgage. money is in suspense account and they will not apply it to our account. even after XXXX phone calls and they said they would fix it. also reporting on our credit that we are behind XXXX payments. never was. only 2 months and that was caught up months ago. dont know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax has negative reports/claims on my credit report. The negative claim is for my son, whom is over XXXX XXXX XXXX, in fact he is XXXX XXXX XXXX. The negative reports is for medical expenses. I have contacted both Equifax and the collection agency, and neither have resolved this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Attempted to dispute a NON-APPROVED charge on my card. Very little help on website-lots of rerouting and sales pitches, diversions. Eventually reach a rep who then states she has to transfer me again-while on hold the call is disconnected.? 23minutes just to call back and get the same recordings and routing. Did not bother to continue. This compamy has pulled this before and even before that on my mortgage. These delays allow them to add charges for forgotten paperwork, diversions, promises etc. I was stuck with {$60.00} in fees the last time since they continue to charge fees while helping me resolve issues. Why with all this credit card fraud and known illegal billing are they allowed to continue-forcing we customers to enlist a lawyer at higher costs and minimal resolution?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have submitted numerous letters with proof to Equifax. The FED TAX LIEN-XXXX This federal tax lien has been paid and withdrawn with the Internal Revenue Service. Please see the letter attached. Delete the Federal Tax lien immediately off my credit file!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I contacted XXXX regarding the sudden drop of my credit score. I noticed after being denied for an apartment that there were unauthorized accounts on my report. I asked Equifax to provide the paperwork submitted to them by the reporting companies and their response was they have submitted request to the companies for the documents. This is a violation of Section 609 of the FCRA which states that signed consumer contracts must be submitted and verified before reporting accounts, not afterwards. I am also not giving authorization to Equifax to report the accounts that I listed on the letter and I request their immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: DISCOVER BANK
State: NJ
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:
This complaint is in connection with the CFPB complaints filed against XXXX, XXXX, and XXXX on XX/XX/2020 Complaint numbers XXXX, XXXX, and XXXX for failure to provide proper documentation of a Wet Ink Signature contract with DISCOVER to validate the account reporting is accurate and confirmation there is a legal obligation to this company DISCOVER. I complaint was also filed against DISCOVER by the XXXX XXXX XXXX Complaint #  XXXX for lack of professionalism, lack of full disclosure, and failure to provide Wet Ink Signature signed contracts to the Credit Bureaus or myself per section 609 of the Fair Credit Reporting Act. 

This particular complaint is because DISCOVER has not only violated section 609 of the Fair Credit Reporting Act but is now violating section 623 of the Fair Credit Reporting Act and Section 807 for Failure to Communicate that the alleged debt is disputed. 

As of Today XX/XX/2020, DISCOVER continues to report erroneous subterfuge on my person 's commercial credit report while under dispute. This is not only violations of FCRA, FDCPA, but Title 18 USC Fraud as well. The blatant disregard for Federal Law that DISCOVER is willingly choosing to ignore to violate my rights is causing me harm through my person which I may have to pursue legal action against them for Lack of Full Disclosure, Perjury, and Fraud with Scienter. I am keeping these records of communications in case I have to sue DISCOVER for willful non-compliance of Federal Law and violations of rights which will not only include {$1000.00} USD per inaccurate invalidated account but also {$10000.00} USD for every violation of Title 18. Please see attached screenshots for proof that DISCOVER is still  reporting negatively without providing any contracts of proper documentation while under dispute. 

As stated by Attorney XXXX XXXX XXXX, of the FEDERAL TRADE COMMISSION, a printout of a bill or itemized document does not constitution verification. Also, without proper Wet Ink Signature contracts per section 609 FCRA, it is impossible to determine if the partial account numbers reported to the Credit Bureau 's are in fact accurate or not. Please see attached evidence per XXXX XXXX notifications that this company is still reporting while under investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I will keep writing complaints until the correct action is taken either by sending me something through the Consumer Financial Protection Bureau that contains my personal information or block it on my credit report. XXXX XXXX XXXX has told me that a name is on the account in question that is not mine and I do not know this person. I question Equifax 's proof of verification when they have not sent me the proof. I will back off when XXXX XXXX XXXX contacts me saying their investigation proves the account was open fradulently, until then the information should be blocked. I also question Equifax 's proof of verification when another credit reporting agency could not get verification so the account was blocked. I will keep writing until this is corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I never have or had an account with a utility compa ny. ( Nev er have a utility account in my name in the Unite d States ). A mount shown on my credit report is {$1000.00} as collection on  XXXX   XXXX ,  2017 . I disputed this amount  with Trans Union an d they refused to delete it from my 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 2016-04-03
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
I have tried to correct these accounts that show opened at the XXXX, Equifax and XXXX. I have no idea what they are for, only showing that the opening dates are XXXX/XXXX/12 : for {$26.00}, {$10.00} and {$24.00}. The original company submitting these accounts were from the XXXX. I have been unable to obtain any acct. numbers, or contact information for this above agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
State: NY
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts and items which do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-07-12
Company: Experian Information Solutions Inc.
State: MD
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$0.00}

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