BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-25
Company: COMMERCE BANK
State: ND
Product: Credit card
Issue: Late fee

Complaint:
I had set up autopay for my credit card online with Commerce Bank. On XXXX XXXX, Commerce showed that my payment had gone through in their system. On the XXXX of XXXX, I learned that the payment had been reversed. I contacted Commerce to what the situation was. I went through my routing information with them to learn that my auto pay was XXXX digit off. The support staff was helpful and they changed my autopay routing number over the phone and then deducted the original payment as desired. 

My next auto pay was set to occur on XXXX XXXX. I logged onto my online account on XXXX XXXX to make sure everything was all set only to find out that my auto pay had been cancelled. I re-setup the auto pay but it said my XXXX payment was to go in effect on XXXX XXXX. There were no other options to immediately pay online so I contacted Commerce support again. I stated to him exactly what had happened and that I needed to confirm that my payment would be occurring on the XXXX of XXXX. He assured me that it would come out the next day and I again explained that the online system showed it would n't come out until XXXX XXXX. He again assured me that the payment would come out on XXXX XXXX. I asked for some sort of confirmation number and he stated that he was unable to provide anything but again assured me that my payment would come out. 

Not believing a lick that he was telling me, I emailed customer care telling them : '' -- - Original Message -- -Sent : XXXX/XXXX/2015 XXXXTo : CBISubject : Account InformationI just wanted to leave a message for you regarding my autopay. This will serve as notice if my bank account is not debited tomorrow ( XXXX/XXXX/15 ) that I have indeed attempted to pay on time. On XXXX/XXXX/15, I logged in to confirm what date my autopay would go through. At the time, it appeared that my autopay had been cancelled so I reset it up, however, it showed that my next payment would be XXXX/XXXX/15. There was no other means to allow me to pay online so I contacted customer support over the phone today, XXXX/XXXX/15, to confirm when my payment would be made. The support specialist today me that my payment should come out tomorrow even though online it shows that my next payment is coming out on XXXX/XXXX/15. I asked the customer support person to make a note that I confirm my payment would be coming out tomorrow. If for some reason, it does not and Commerce charges me an overdraft fee, I will notify the CFPB and this email will be included in that complaint. I hate to be pessimistic but I am concerned as the payment online shows XXXX/XXXX/15. " Sure enough Commerce did n't deduct my payment on the XXXX and charged me a late fee. Additionally, I was being charged interest on a balance that should have been lower. Thus, I was fraudulently charged interest in addition to the late fee. This is horrible business practices full of deceit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-14
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:
On XX/XX/2022. Transunion, XXXX, and XXXX failed to produce an investigative report on XXXX aka XXXX XXXX aka XXXX XXXX XXXX accounts posted to my consumer report. It is a violation of my consumer credit rights to report on a debt I never validated. It is identity theft to transfer or allegedly transfer a taxpayer identification number without the authorization of the taxpayer to aid and abet a form of payment. It is tax fraud to not sent copies of 1099c and 1099 OID to the taxpayer by XXXX XXXX of the following year. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or allege credit grantor can act as a debt collector.

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 2016-09-28
Company: Prosper Marketplace, Inc.
State: AZ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
This loan went into default status off 5 years ago after I fell behind in payments. I attempted to reach out through their XXXXXXXXXXXX email and never got anything back. Eventually the loan was charged off but remained on my credit. In an attempt to repair my credit, I submitted several dispute claims to validate the loan and received nothing in return. Currently, my wife and I are trying to close on a new home loan, but conventional loans prohibit any disputes listed on your file. I tried to go through XXXX to have the verbiage removed to satisfy the requirement, but was told by them that we have to get Prospers approval. We called Prosper and was told that they will not approve the removal of the dispute verbiage. Digging deeper, we were told by Prosper that the charged off loan is no longer in their possession, but in the hands of a third party. It is this 3rd party that is handling my disputes and reporting to the credit agencies. I have attempted on several occasions to work with Prosper to have the dispute removed, but am meet with unanswered emails and CSRs with limited information to give. When asking to discuss with a manager, no manager is available.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: HEARTLAND PAYMENT SYSTEMS INC
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Good afternoon, I have yet to receive a formal statement from Heartland ECSI since XX/XX/XXXX, which was the time in which they took over management of my loan from Campus Partners. I have made payments only because I have personally logged into the account to see the status. It is the obligation of the loan service provider to provide me monthly or quarterly statements and notify me within 30 days of my due date of payment. None of this has happened. I have received XXXX document stating that my loan was been transferred to Heartland XX/XX/2016 and one email dating XX/XX/XXXX that my statement was ready. No correspondence other than this, not one time. I have requested electronic and paper billing none of which I have received.I made this request XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX none of my requests for statements were met. 

In addition to the lack in response Heartland ECSI processed a payment XX/XX/2016 that was submitted to XX/XX/XXXX. Campus Partners now Heartland ECSI stated to the credit bureaus that no payment was received but clearly written on the check along with my USPS receipt for the payment with the date. That is clearly fraud and needs to be corrected immediately along with any interested that was occurred due to that misapplied payment. 

I am hopeful that the CFPB will support me in this effort to correct the wrong doings of these XXXX companies so that no other borrower will be taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 recently received a letter from XXXX and Trans Union for the third time asking me to contact the credit grantors to discuss this matter of me being a victim of identity theft and these fraudulent accounts not belonging to me. I'm filing a complaint because I previously sent the original credit grantors and collectors letters letting them know that I was a victim of identity theft. But yet XXXX  has deleted many accounts but yet they still have a bankruptcy to a address that I never lived at.

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 2015-07-15
Company: Freedom Mortgage Company
State: CT
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
We refinanced our mortgage with our lender, Freedom Mortgage, on XXXX/XXXX/15. For the convenience of the settlement agent, the closing was held at the XXXX in XXXX, CT. We were given only a copy of the HUD-1 ; we have no other documents, including the mortgage or note. XX/XX/XXXX, I contacted VP XXXX XXXX, who expressed surprise that copies of all documents were not given to us at closing ; he promised that we would receive the documents. To date, we have not received any documents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
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:
On XX/XX/2022. Transunion, XXXX, and XXXX failed to produce an investigative report on XXXX XXXX XXXXXXXX aka XXXX XXXX XXXXXXXX aka XXXX aka XXXX XXXX XXXX accounts posted to my consumer report. It is a violation of my consumer credit rights to report on a debt I never validated. It is identity theft to transfer or allegedly transfer a taxpayer identification number without the authorization of the taxpayer to aid and abet a form of payment. It is tax fraud to not sent copies of 1099c and 1099 OID to the taxpayer by XX/XX/XXXX of the following year. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or allege credit grantor can act as a debt collector.

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 2021-08-24
Company: Phoenix Financial Services LLC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I lost my job because of covid and I keep telling them that I will call them back when I get settled in to my new job but they keep calling me on different numbers every time I wish they would stop because now there calling me while Im at work and I keep telling them this and Im eventually gon na loose this job because my manager keeps having to talk to me about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: EQUIFAX, INC.
State: IL
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:
hi XXXXhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I am a direct deposit elderly XXXX single female customer of bank of America for many years. My Social Security income is all I have. If I don't get the over draft of {$35.00} resolved in 5 days they will charge another fee.. I will not have direct deposit for another month XXXX XXXX. I have no one to help me, I live alone. I have no money to pay for doctors visits or my medication for this month and now next month because of the fees. I am XXXX and unable to work. {$70.00} is a lot out of my income. They will get the money automatically before I can use my Social Security check direct deposit XX/XX/2019 to cover the overdraft. I have no income until then. 
The over draft was created by my life insurance which I can not afford and intended to cancel after only having it for less than 2years. I don't have family to help me. I will have to cancel so this does not happen next month. I don't know what to do I am helpless. 
As of this date XX/XX/2019 I am over drawn by {$48.00} which includes the {$35.00} fee already posited by the XXXX it will be another {$35.00} fee

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 2018-07-28
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On or about XX/XX/2018, Equifax has a fraud alert displaying on my fico report. Today is XX/XX/2018 and my credit scores have not changed a single point. I keep track of my credit scores on a daily basis using XXXX. Is there an issue or an alert fraud freeze on my file? If there is, I did not requested this not called it in.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022. XXXX, Equifax, and XXXX failed to produce an investigative report on XXXX XXXX XXXXXXXX aka XXXX XXXX XXXXXXXX aka XXXX aka XXXX XXXX XXXX accounts posted to my consumer report. It is a violation of my consumer credit rights to report on a debt I never validated. It is identity theft to transfer or allegedly transfer a taxpayer identification number without the authorization of the taxpayer to aid and abet a form of payment. It is tax fraud to not sent copies of 1099c and 1099 OID to the taxpayer by XX/XX/XXXX of the following year. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or allege credit grantor can act as a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 had a credit card with XXXX XXXX XXXX and XXXX XXXX XXXX bought my debt contacted me and I paid them in full with the agreement of deleting it off of my credit report and it is still on there I would like it removed. It is no longer on my XXXX  but it is still being reported on XXXX  and TransUnion  with a balance of XXXX when it has been paid.

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 2020-03-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. MY LIFE IS AT A STANDSTILL BECAUSE OF THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: Specialized Collection Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX, Under the Health Insurance Portability and Accountability Act ( HIPAA ), I am allowed to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.

*Please provide breakdown of fees including any collection costs and medical charges.

*Provide a copy of my signature with the provider of service to release my medical information to you. 
*Cease any credit bureau reporting until the debt has been validated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Arizona XXXX University has sent this debt that they claim I owe for tuition to this agency. I did not complete semester and I had told them to drop me from the online classes before the XXXX XXXX 2012 withdrawal date, which they did not do and has charged me for the whole semester.

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 2020-03-04
Company: EQUIFAX, 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:
Equifax has a account listed on my credit report that does not belong to me. I have disputed this item and it is still showing on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wednesday XX/XX/XXXX at XXXX XXXX  I made a cashiers check deposit into a chase atm account. I got a receipt immediately saying I should call a number with the claim number provided to make sure my money was deposited. There was no records of the deposit once I called. Chase continues to say theyll expedite things and send emails informing me of the actions but nothing has been resolved and Ive yet to be reached out to. All the communication has been due to me calling 1-2 times a day. 
Ive used chases atms for years and never had this issue before. This is a business account that I use for payroll and there seems to be no concern whether my business will make it or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Experian Information Solutions Inc.
State: FL
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 was a victim of identity theft in XX/XX/XXXX after discovering several unauthorized credit inquiries for various credit cards, banks, and cell phones appearing on all three credit reporting statements. I immediately locked all XXXX  credit reporting accounts, as well as notified each bank and/or credit card of the theft. Despite the locks, I continued to get notifications throughout the year that someone was trying to open bank accounts or credit cards using my credit information. On XX/XX/XXXX, without ANY previous contact from XXXX XXXX, I received a notice from XXXX XXXX XXXX  that I was in default of {$4100.00}. THIS IS NOT MY ACCOUNT. I immediately called XXXX, but was told that they would not work with me as my account was in collection. I wrote XXXX XXXX on XX/XX/XXXX that it was not my account and asked for FULL DOCUMENTATION of the account. I've repeatedly written and called both XXXX and XXXX XXXX stating that it was not my account ( including a police report ). To this date, I have received NOTHING from either IXXXX XXXX nor has XXXX XXXX. It has been over XXXX months since I sent my letters and called. In the meantime, I have also retained a lawyer to assist, but still XXXX continues to re-post the closed account.

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