BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I am writing to dispute a billing error in the amount of {$31.00} on my Capital One Walmart account. The amount is inaccurate because I was enrolled in the automatic payment plan. I am requesting that the error be corrected, that these finance and interest charges related to the disputed amount be credited, and that I receive an accurate statement. 
This matter involved my Walmart Capital one credit card. In XX/XX/XXXX, I was enrolled in paperless billing without my consent. As a result, my account went past due and I was charged a late fee and interest. These were later credited and I disenrolled from paperless billing. On or about XX/XX/XXXX, I spent over 2.5 hours on the phone with Capital One representatives after my account went past due again because I never received a bill from Capital One. After much frustration and to prevent future past due events, I enrolled in paperless billing and automatic payment. To my utter shock, reviewing the XX/XX/XXXX statement I see my account is past due again. I contacted customer service on XX/XX/XXXX and they showed no record of me ever calling in XX/XX/XXXX. During that call, the representative asked for my bank account information and seemed to be based in an overseas call center. This is very concerning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-04
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
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 have a HSBC credit card and they are charging me 22.99 % interest rate. I pay the monthly bill on time. My credit rating given to me by XXXX XXXX is XXXX. How can they charge me this high interest rate, especially during a pandemic?? This is interest gouging. I asked them several times to lower the rate, but they said no.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: AES/PHEAA
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:
American Education Services ( AES ) reported five ( 5 ) missed or late payments on two ( 2 ) student loan accounts for a total of ten ( 10 ) payments on my credit report ; XX/XX/XXXX - XX/XX/XXXX. I've disputed these late payments with AES on a few occasions including phone, email and certified mail. I spoke with a customer service rep in XX/XX/XXXX and after careful review he stated there was a misunderstanding of how the account was being reported and suggested I submit a formal dispute to have their credit team review and update -- After reviewing several disputes AES concluded the reporting was accurate but AES failed to give me proof of any evidence they followed compliance of properly notifying me of negative reporting at the beginning of the negative reporting period ; AES also failed short of notifying the CRAs that I dispute the accuracy thus there was no remark of dispute left on my credit file. Subsequently, I made a direct dispute with each of the CRAs to have them investigate the legitimacy and compliance procedures to no avail as they provided no method of verification. 

Compliance violations 1. 623 ( 5 ) ( a ) -- Duty to Provide Notice of Delinquency of Accounts 2. 623 ( 7 ) ( a ) -- Notice to consumer require reporting Negative information 3. 623 ( 7 ) ( b ) -- Time of notice reporting Negative information 4. 623 ( a ) ( 3 ) : Duty of furnishers to provide notice of dispute to CRAs ( No remark on credit file ) 5. 12 CFR 1022.43 - Direct disputes Tracking information ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/2020 at approximately XXXX I attempted to instantly transfer funds to my debit card account through Venmo. I was not allowed but forced to used an alternative slower service. When I called the information line I was informed that this happens when the bank does not participate or Venmo considers personal risk. I confirmed that my bank XXXX does participate and my credit score is the decision for denial of services. I received no disclosure of this under the fair credit reporting act. Since this seems to be an instremely frequent problem ( there is an automoated phone message stating that risk issue XXXX the government should be interested as this may affect thousands of consumers. No effort or remedy was made by Venmo was made to disclose this to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-30
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Credit Bureau Systems has violated my HIPPA rights 16 different times by accessing my protected medical records, procedures and medications without my authorization. I never signed a contract with them or a HIPPA release for them to access my medical records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
On XX/XX/XXXX I receive a letter about a credit card debt from Resurgent capital services about an alleged debt on XX/XX/XXXX I send a verification letter asking them for proof and also stated the I did not want to be contact from the until the debt is verefied as mine. They continue to contact me after the letter was received on XX/XX/XXXX. 
This are all the date about email they were sent to me XXXX XXXX XXXX  via email XXXX XXXX XXXX  va email XXXX XXXX XXXX  va email XXXX XXXX XXXX  va email XXXX XXXX XXXX  va email ( XXXX XXXX XXXX ) XXXX XXXX  va email XXXX XXXX XXXX  va email They receive my letter on XX/XX/XXXX the keep contacting me via email on XXXX XXXX XXXX  ( day after letter was received ) XXXX XXXX XXXX  va email.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
My complaint is about Paypal. I have had an account with them for many years and, recently, they decided that they would limit my account. I do travel through a company called XXXX XXXX XXXX XXXX ( XXXX ). They pay me as a contractor but, I do n't have to setup my own business. However, they do provide me a website page and I was trying to draw people to that page via facebook. As a result, Paypal decided to setup my personal account as a business account and requested information from me. I submitted the address verification however, the link for the business submission did not/does not work. I called Paypal about this problem and they told me to just submit the proof of address and ID information, which I did. They said that my limit would be removed within 24 hours of sending that information. It has been weeks. I have n't been able to make payment via their site and my bills which I had paid through Paypal had to be setup with credit cards. Therefore, their account is no longer useful to me. I have requested that they close my account so that my personal information is not on a site which I no longer use. They have told me that I can not close my account while it is limited. However, I can not get it out of limited status even with phone calls, emails, and doing what they ask. How is this company able to hold my personal information ( SSN, credit cards, bank account information ) without my permission? I just want the account closed and to no longer do business with them. Case ID Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Wakefield and Associates has violated my HIPPA rights numerous times by accessing my protected medical records, procedures and medications without my authorization. I never signed a contract with them or a HIPPA release for them to access my medical records.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: Pacific Union Financial, LLC
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:
Mortgage lien opened via refinance in XX/XX/XXXX. I had a chapter XXXX discharged in XX/XX/XXXX that had been open since XXXX. Pacific Union had been reporting it as current and open. Speaking with their servicing they said as soon as they received word of the discharge they would begin reporting to the bureaus. On XX/XX/XXXX I sent them a copy of my report as I was purchasing an investment property. I mentioned that although reporting the account as current there was no monthly activity being reported nor was the current balance being updated. I received a letter from Pacific Union indicated they had erred and would correct the mistake. In XXXX they reported the loan as closed and subject to a bankruptcy and refuse to correct the error. They sent me a nasty email saying it was not their obligation and the debt was not re-affirmed. Chapter XXXX bankruptcy does not require any re-affirmation of debt only a chapter XXXX does as was also conveyed by the previous servicing manager I had spoken to. The account is open and in good standing and has never been late and I would like such to be reflected on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX2020- I sent {$160.00} via cash app to purchase goods. The goods were never received & several attempts to contact the seller were ignored. Cash app has no available dispute options and my bank is refusing to assist with the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: AES/PHEAA
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have applied and began the process of Public Service Loan Forgiveness ( PSLF ). XXXX XXXX   is my payment servicing provider. I have made 18 payments according to my Income Driven Repayment ( IDR ) plan. However, XXXX 's records show that I only have 1 payment towards my 120 payments that are required for loan forgiveness. XXXX says that I was in some form of either forbearance or deferment and failed to count payments that I had been making since XX/XX/2016. Their reason for placing me in deferment was due to " we changed a deferment or forbearance that was previously applied to your loans because we received updated enrollment information. '' They placed me into deferment because I enrolled into University of XXXX XXXX XXXX night program. They did not gain my explicit permission to place me into deferment/forbearance. Their actions cost me numerous months off of my journey to loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: Lien Enforcement Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I got a recorded message on XX/XX/2018 from ( XXXX ) XXXX at XXXX XXXX, PT. The content of the message is as follows : " Message from we have an important message from XXXX XXXX XXXX this is a call from a debt collector. Please call XXXX again that number is XXXX. This message will now repeat in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: LEXISNEXIS
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: Information belongs to someone else

Complaint:
To whom it my concern, I have several inaccurate names on my credit file the do not belong to me and need to be corrected. My name is XXXX XXXX XXXX please delete remove any and ALL variations abbreviations or likeness to my name. 
I need the following fraudulent address removed from my credit report. they are not accurate. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX- XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OK XXXX XXXX XXXX XXXX XXXX XXXX  XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX  XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXX , OK XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I work for this XXXX, I made calls and was given to debt collector. Very rude and continued to give different people to call for an itemized statement of original bill. I have no knowledge of what this bill is, where it came from, or why I would this debt .... I requested that information on my original dispute. I was not provided that information only what the debt collection bill says EXPERIAN IS THE AGENCY AND I HAVE AN ACCT WITH THEM THAT I PAY FOR ... .. doesnt look like they are trying to truly provide me an investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 sent out certified letters to Capital Auto Finance on XX/XX/18, XX/XX/18, and XX/XX/18 requesting to validate a debt they claim I owe. From the last certified letter I sent them on XX/XX/18 that was received on XX/XX/18 @ XXXX, they have not responded back in the time frame allotted which is a violation of the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. I advised them that I was maintaining a careful record of my communications with them for the purpose of filing a compliant should they continue in their non-compliance of federal laws under the Fair Credit Reporting Act. As they've violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: CITIBANK, N.A.
State: NC
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: Card was charged for something you did not purchase with the card

Complaint:
I am the primary card holder of a Citibank Double Cash credit card which was opened in XXXX of 2018 with one additional authorized user. On XX/XX/2018, I called Citibank to remove this authorized user and get a new number. I was issued a new number and the other user no longer had access to the account. On XX/XX/2018, the previously authorized ( now unauthorized ) user provided the old/original credit card number to the gas company ( XXXX XXXX ) and set up an autopay which charged my credit card on 7 different occasions ( for a total of {$560.00} ). 

Citibank first denied my claim for fraud/unauthorized use because according to them if I have ever had interactions with this merchant in the past ( even on a different property ) then they automatically deny the claim of fraud. I was not contacted but rather just sent a letter saying my claim was denied. I called back and they re-opened the investigation. Citibank ( apparently ) contacted the merchant who had 45 days to respond. The merchant indicated they had been provided with a number which was cleanly processed by Citibank so there was nothing they could do. 

My name is not on the XXXX XXXX XXXX account. The now unauthorized user is the only user on the gas account. I am the only user on the credit card. It would be impossible for me to pay this account with my credit card as I don't even have the XXXX XXXX account number ( and they won't give it to me ). Citibank should not have let him provide the old credit card number and it process through for 7 months. 

I called Citibank a third time and they said they have no record of my original number in their files and they would have it even if I had closed the account 10 years ago and that it was my fault for not getting a new number when I removed the unauthorized user. I have monthly statements that have the original number on them and then the new number appears on the XX/XX/2018 statement. I have offered to provide them with the statements that have the original number on them and show that I got a new number in XX/XX/2018 and they declined for me to submit that evidence. They also indicated that perhaps I wasn't clear about the unauthorized user being removed. I asked for them to provide the transcript from my phone call on XX/XX/2018 and they would only provide a transcript with a legal subpoena. 

I have now been continuously re-opening my case for over 2 months because they keep closing it without understanding the facts. I did everything I was supposed to do - I called, removed the user and got a new card number. What else would be required for me to prevent unauthorized use of my card going forward?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have long used third party apps to help me, budget, save, and invest my money by permitting these apps access to my CapitalOne 360 checking account.. 

Sometime in XXXX CapitalOne increased their security in such a way that it has restricted access to the third party apps I have permitted and frankly have come to rely on. 

I really think CapitalOne 360 Checking is great but after restricting access to my funds essentially, Ive had to consider closing my checking account. 

Please fix this CapitalOne.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My credit card balance is {$0.00} on my XXXX XXXX XXXX  and all three bureaus keep showing it as {$10.00} over the limit. Then they won't let me dispute the balance.

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 2020-11-30
Company: Exeter Finance Corp.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Exeter finance has reported late payments to credit bureau during pandemic. I have reached out and asked constantly to have resolved. Was told it would be removed from my credit report and has not been done. Due to pandemic I was unable to make payments on time. Although they were not on time I still paid best to my ability and have numerous payments ahead of schedule as of now.

Company response to consumer: Closed with explanation