BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Dear Sir : I have had a Walmart credit card for many years. I am in XXXX XXXX  and do travel oversea at the least six months out of a year. I put all my credit cards, including Walmarts, on automatic payments to avoid any issue. This worked very well for years. I have never had delinquent payment and maintain a sterling credit. In XXXX of this year, out of blue, I received a delinquent notice from Capital One, apparently the new financial institution handling Walmart credit card. I have never received a statement nor any notice from Capitol One. They demanded immediate payment for my charge ( only one charge for gas ) plus penalty and interests. In addition, they threatened additional penalty and interests. I was out of the country at time. My secretary informed me of the notice. I went on the Walmart credit card website to check. I was not able to log on. It flashed a message stating that there was technical problem with the website. I decided to go ahead paying the charge to avoid further problem and the additional fee and interests. I planned to deal with the issue upon my return to the States. I authorized my secretary to pay the {$20.00} charge for gas I purchased in XX/XX/XXXX, plus a {$20.00} late fee, and {$0.00} interest by a bank note. I was only able to return home recently due to the worldwide pandemic. I called the credit card customer 's service ; first spoke to an intake person, XXXX, later to a supervisor, XXXX. I was informed that Capital One has taken over my account from another bank. They had problem transferring all the accounts, especially customers with automatic payment. My problem was not unique. I should have signed on with Capitol One which I did not know and could not have done so. They also informed me that they had sent me a new credit card which I never received. I was not informed of the bank change nor given permission for the change. Furthermore, it is my understanding that this change had gone on for many months in XXXX and they had no problem receiving my automatic payment until XX/XX/XXXX. I requested that I am to be refunded the {$20.00} late fee and the {$0.00} in interest. It is more a matter of principle than the amount of money. This is totally a Walmart and Capitol One issue. I am a loyal and conscientious Walmart customer who is being penalized for their internal problem. Yet, I was informed that since I PAID the penalty and interest, there is no way I can get the disputed money back. This is the most unscrupulous answer I can think of ; hence, this complaint. I hope you will investigate this matter and resolve the issue. Since I am not the only customer who is having the problem, as I was informed by both XXXX and XXXX, I wonder how many similar customers Capitol One had taken advantage of. This can be a lucrative scam. Thank you and sincerely, XXXX XXXX, XXXX, XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-14
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
To whom it may concern, I am writing to bring attention to service outages and issues facing students with loans serviced by XXXX XXXX XXXX ( XXXX ), XXXX XXXX, WI. XXXX  services loans made by Universities to students in financial need. Though multiple years of corresponding, interacting and being a customer of XXXX  I have great concern with their ability to handle my personal financial information. This most recent issue has given me incentive to inform you of their systematic issues. 

Beginning XX/XX/18 I was contacted by XXXX that my reoccurring student loan payment was being deactivated pending an upgrade to their systems. Additional correspondences provided a plan of service changes that gave a timeline of dates that their new systems would be available. Though multiple contacts with customer service representatives XXXX continued to reference their new website being available on XX/XX/18 and at that point I would be able to access my data. The date of the planned service upgrade passed and still no correspondence on the new XXXX website or any access to my information. Their new website provides me no information outside of my name and address at login. All my information on loans, payments, tax documents or reoccurring payments is inaccessible. As of today it my personal loan, direct deposit, banking and payment information has been unavailable for more than 15 days ( XX/XX/18 to XX/XX/18 ). 

This is completely inexcusable for any lending services company or any company handling sensitive personal financial information. I have ongoing concerns with the ability of XXXX and its employees to protect and service my financial obligations to my lender. In addition I would also like to bring to your attention several disconcerting complaints on the XXXX XXXX XXXX ( XXXX ) website with customers experiencing similar issues. 

I look forward to your response in this matter. Please feel free to contact me at XXXX Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: Perfection Collection
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collection agency called my wife multiple times asking for me. She thought they were spam calls and ignored. I finally pulled my credit reports on XXXX, XXXX, and XXXX on XX/XX/XXXX and saw collection alerts for the amount of {$2800.00} on XXXX and XXXX. No such alert on XXXX. The collection company was listed as XXXX XXXX XXXX on the XXXX report and Perfection Collection LLC on the XXXX  report. I telephoned the company on XX/XX/XXXX and spoke with an agent named XXXX. I was told the debt amount was for a XXXX XXXX XXXX XXXX  installed at an address in XXXX IL. I live in XXXX TN and have never lived in or been to XXXX IL. I was told the account was jointly owned with a woman named XXXX XXXX, who I do not know. I asked the agent to email me the contract. I never received it. I disputed the claim on XXXX on XX/XX/XXXX and on XXXX on XX/XX/XXXX. I received investigation results from both companies that the disputed information was verified as accurate. I have never purchased anything from XXXX and did not order this home security system. I have never received anything in the mail from them or the debt collection agency. I have contacted a lawyer and will pursue legal measures if I can't resolve this dispute through other means.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/2020 I contacted Experian to dispute incorrect personal information. Particularly, a comment in the Notices section that says " the date of issue of your SSN can not be verified ''. At the beginning, Experian specialist did not want to dispute this item. But, I insisted. She agreed to dispute this item for me and told me we will get back to you with updates. 
Today on XX/XX/2020, I called Experian to ask about the result of my dispute and Experian specialist told me that they can not make any change to the comment in the Notices section. She explained that most US individuals have a similar comment placed in their report. 
I do not agree with the result of my dispute with Experian and I hereby complain against Experian because they are deceiving customers like myself and creditors by giving misleading personal information. I have my Social Security records up-to-date and Experian can definitely verify the date of issue of my SSN with the Social Security Administration that issued the number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: AES/PHEAA
State: IL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I repeatedly tried to fax them information, verify information, and have processed information for student loan forgiveness, student loan consolidation, and income driven repayment. They continually did not process information in a timely manner, could not tell me if they received information, needed me to send information excessively ( faxed daily for over a month ), and overall mismanaged my account to the point where I should been on year 7 of student loan forgiveness and I am currently on roughly the 3rd year which they state can not be corrected in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: Experian Information Solutions Inc.
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: Problem with personal statement of dispute

Complaint:
Hi I was billed around XXXX XXXX for Emergecy services, it was only 2 tablets which I was administrated .Hospital involved was XXXX hospital in NJ, XXXX . This was on XXXX 2015, I agreed onto a payment plan, then it was given to collection agency. The agency sued me and caused major dip into my credit history. I want to pay this amount to hospital or the collection agency, biggest problem is they do n't have an automated debit system. Every month I have to call them and then make payment. This causes delay or I miss the deadlines in case I am not in the town or country. Please let me know how you can help me and I want to pay this amount. Please help me to restore my credit rating. All my mortgages, credit card payments, bill payments are in time. In last 7 years I have never faced such issue, please check my credit history. The Collection agency is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Thanks 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 2017-08-05
Company: EQUIFAX, INC.
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: Problem with personal statement of dispute

Complaint:
Hi I was billed around 1200 USD for Emergecy services, it was only 2 tablets which I was administrated .Hospital involved was   XXXX    hospital in NJ,   XXXX   .
This was on  XXXX  2015, I agreed onto a payment plan, then it was given to collection agency.
The agency sued me and caused major dip into my credit history.
I want to pay this amount to hospital or the collection agency, biggest problem is they do n't have an automated debit system. Every month I have to call them and then make payment. This causes delay or I miss the deadlines in case I am not in the town or country.
Please let me know how you can help me and I want to pay this amount.
Please help me to restore my credit rating.
All my mortgages, credit card payments, bill payments are in time.
In last 7 years I have never faced such issue, please check my credit history.
The Collection agency is   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX  NJ  XXXX  Thanks  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: EQUIFAX, INC.
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:
All three credit report companies after disputes still show accounts ADVERSE even though all the accounts have been corrected and in the text show NEVER LATE. The reports need to correctly list these disputed accounts as no longer ADVERSE. please help to have all three reports to be correctly listed. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This is my complaint on XXXX/XXXX/XXXX I made a debit card purchase of XXXX with a XXXX and the transaction was denied, and I received a notice from Bank of America to login to my Bank of America Phone App, and verify I was aware of these purchases, I logged into app and followed all the steps for lifting the restriction, and received a message from the App, the restriction was removed and that transaction had been cancel, and now I could make the transaction again ; Assuming I was free to resume using my my card, I made a 2nd transaction for the same amount of XXXX and then noticed, I now had email from Bank of America prompting me to contact them, to review the transactions, i contacted the number in the email and was advised once again after verfying, I made the transactions I could reuse my card with no mention and any wait times, I asked the rep if the second transaction would be okay, he assured me all restrictions had been lifted from my card and the payment transactions showed as processing, along with a debit of XXXX and a credit of XXXX all on XXXX/XXXX/XXXX ; today on XXXX/XXXX/XXXX when i logged into my account I noticed the transaction did not post. The explanations I received from various reps was typical jargon of policies and very poor customer service, and the transaction was cancelled because it was seen as duplicate transaction and finally when I spoke with the Fraud team it was explained that you have to wait 20 minutes before making another card transaction. My complaint is this was n't explained in Bank 's App and nor did the customer service representative provide this info as well, the 2nd transaction should not have been cancelled and I should not have to contact Merchants and explained to them Bank of America errors, I 've attached an screenshot of some of the alerts I received.

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 2023-04-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My credit card payment to Synchrony Bank Care Credit Call ( XXXX ) XXXX Synchrony, XXXX XXXX XXXX, XXXX, FL XXXX is due on the first of the month every month. I make my payment one day early before the due date. I am being charged a late fee in the amount of {$41.00}. This is fraud. I called the customer service number and they were not able to provide me with an acceptable answer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: EQUIFAX, INC.
State: CT
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:
The credit Bureaus are reporting reporting late payments on my XXXX Credit Card account and I have never been late with any payment on that account. I have requested for proof of any late payment from the creditor and credit Bureaus but I haven't heard back as of yet. Now I am reaching out to the CFPB for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
All three credit report companies after disputes still show accounts ADVERSE even though all the accounts have been corrected and in the text show NEVER LATE. The reports need to correctly list these disputed accounts as no longer ADVERSE. please help to have all three reports to be correctly listed. 

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 2020-09-17
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: Their investigation did not fix an error on your report

Complaint:
The credit bureaus continue to report inaccurate items after there investigation. im attaching supporting documentation with all information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: U.S. BANCORP
State: CA
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:
On XX/XX/XXXX, I spoke with the USBank : CONSUMER RECOVERY DEPT. regarding the error in reporting of my payment history. I specifically called regarding the reported 60 day late payment status showing on my XXXX  credit bureau report, and most recently all 3 bureaus. 

The bank representative, XXXX, confirmed the error in reporting on the call at XXXX XXXX PST, as a result of the return of the check payment presented. She further stated if I provided a copy of my bank balance on the date of the presentation of the payment of the minimum payment due, that it would be corrected in the reporting. Lastly, she requested a copy of the NSF check to show that the presentation and return had in fact occurred. I still have not received such proof. 

I followed up with the Bank Recovery Dept., faxing the requested letter and proof documenting that the error was a result of the {$1200.00} payment return NSF on XX/XX/XXXX, and noted on XX/XX/XXXX ; to XXXX. Detailing : USBank XXXX XXXX XXXX XXXX Acct. # XXXX XXXX XXXX XXXX The information has not been corrected on my behalf by USBank. This is my second experience of incorrect reporting, as shown in complaint XXXX about US BANK NATIONAL ASSOCIATION. 

I have tried to correct this matter directly without a third party, and it appears to not be possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: Experian Information Solutions Inc.
State: CT
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:
The credit Bureaus are reporting reporting late payments on my XXXX Credit Card account and I have never been late with any payment on that account. I have requested for proof of any late payment from the creditor and credit Bureaus but I haven't heard back as of yet. Now I am reaching out to the CFPB for your assistance.

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 2019-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE AND IS CAUSING TREMENDOUS HARDSHIP. PLEASE REINVESTIGATE YOUR CREDIT REPORTING AND HAVE THOSE DEROGATORY ITEMS REMOVE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Previously disputed item from XXXX XXXX XXXX which has been deleted from XXXX, experion and XXXX reappeared on my credit report. No notification is yet to be provided to me. No communication from the collection agency. They did not send any letter, so I do n't even have an account number so I can talk to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
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: Account status incorrect

Complaint:
I visited XXXX XXXX XXXX & got a loan through XXXX for a vehicle in XXXX. In XX/XX/XXXX I totaled the vehicle & my insurance company paid out XXXX. This is currently showing on my credit as being reported late with a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My credit information was stolen and used at different locations out of state in XX/XX/XXXX and XX/XX/2019. I was given credit for XX/XX/XXXX but not for the transactions in XX/XX/XXXX. I have attempted to resolve this issue but the credit card company refuses to reimburse the amount.

Company response to consumer: Closed with monetary relief