BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
In the month of XXXX I utilized my bank 's bill pay service by scheduling a time for a payment to be sent and received by at my local water utility company. This bill pay service has a service guarantee in their XXXXXXXX XXXX XXXX that states if the payment doesn't doesn't post in time, and you met the scheduling requirements, they would cover up to {$50.00} in late fees. I was charged two late fees ( For two utility accounts ) or {$7.00} each. 

I attempted to seek remedy for to be reimbursed through my bank. After countless phone calls, time spent on the phone, and representatives that would either transfer me or just take notes, I have to give up and submit this complaint. It's black and white in the XXXXXXXX XXXX XXXX that I should be reimbursed the late fees due to their service failure ( or their 3rd party service failure ). 

I have attached the XXXX & XXXX and review specifically the following : Payment Scheduling The earliest possible Scheduled Payment Date for each Payee ( typically five ( 5 ) or fewer Business Days from the current date ) will be displayed within the Service when you are scheduling the payment. Therefore, the Service will not permit you to select a Scheduled Payment Date sooner than the earliest possible Scheduled Payment Date designated for each Payee. When scheduling payments, you must select a Scheduled Payment Date that is no later than the actual Due Date reflected on your Payee statement unless the Due Date falls on a non- Business Day. If the actual Due Date falls on a non-Business Day, you must select a Scheduled Payment Date that is at least one ( 1 ) Business Day before the actual Due Date. Scheduled Payment Dates must be prior to any late date or grace period. 
The Service Guarantee Due to circumstances beyond the control of the Service, particularly delays in handling and posting payments by Payees or financial institutions, some transactions may take longer to be credited to your Payees account. The Service will bear responsibility for any late payment related charges up to {$50.00} should a payment post after its Due Date as long as the payment was scheduled in accordance with the guidelines described under Payment Scheduling in these Terms and Conditions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I began disputing the XXXX Bank, NA account that is reflected on my credit report, in XXXX XXXX with Equifax Credit Bureau. In XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX advising them that this account did not belong to me. As the report ( see attached ) from Equifax themself reflects that this account has me listed as an authorized user. Hence, as an authorized user, I am not legally responsible for this account nor do I have to continue to allow it to report on my credit reports. I have requested numerous times that Equifax delete this entry from my credit report ; however, to no avail. They are blatantly violating my consumer rights. 

On XXXX XXXX, XXXX, I contacted Equifax by telephone ( XXXX ) to once again attempt to have them remove this account from my credit report. I spoke with Agent XXXX who stated that I must contact XXXX Bank for them to submit an electronic submission advising them to delete the account. Upon receiving this information, I contacted XXXX Bank at XXXX ( listed on my credit report ) to discuss this matter them so that they would indeed delete this entry from my Equifax report. To my dismay, I was placed on hold in excess of XXXX hours and transferred from one department to the next ; however, no one was able to address my concern nor direct me to the department or contact that would handle this. On today, XX/X/2017, I again contacted XXXX Bank at the number listed on my credit report only to be on hold again for over an hour and no one to rectify this issue. 

I AM DEMANDING THAT THIS ACCOUNT BE DELETED FROM MY CREDIT REPORT IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
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:
I HAVE REVIEWED MY CREDIT FILE AND FOUND TWO INACCURATE ACCOUNTS AND AN ENTRY IDENTIFIED AND INQUIRY THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRY HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. I HAVE NO IDEA HOW THESE ACCOUNTS AND INQUIRY GOT ON MY CREDIT FILE. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A DAMAGED STATE. EVERYTHING IS AT A STANDSTILL BECAUSE OF THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE. KEEP IN MIND THAT THE ACCOUNTS AND INQUIRY DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.

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 2021-03-30
Company: WELLS FARGO & COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Due to the hardship of covid 19. I decided to take on the covid relief program from XXXX XXXX XXXX. Not knowing that Wells Fargo was going to continue to report late fees and 30 days late on to my credit 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 monetary relief
Consumer complaint received 2019-08-23
Company: KEYCORP
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Car Loan for XXXX XXXX XXXX XXXX vin # XXXX with KEY BANK Loan # XXXX was paid in full after we moved from XXXX XXXX to XXXX  We have requested the title but KEY BANK is saying they sent it to our old address and don't have it saying it's not their responsibility. 
We just received a lien termination letter which is no a TITLE. 
Without a title we can not register the car. 
Without a title, we can not sell or trade the car. 
We paid off the car in good faith and the bank lost the Title and is saying it's not their responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This account has already been paid ( Attachment on file ) and currently being reported as a collection. Which is a violation of my rights according to the FCRT. Please, update to closed or delete as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: Franklin Collection Service, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Contacted Franklin Collection Service , Inc. About a debt that has already been disputed through XXXX  when it was with another debt collection agency XXXX  removed it due to wrong amount! It appears that Franklin Collection has put the debt back on my credit report when it has already been removed before by XXXX! As it is written by law that if a debt is deleted off your credit report it can not be added back on. 
The amount on debt {$310.00} Last 4 digits of social security number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On or about XX/XX/XXXX I applied for a Walmart Mastercard and was offered for a first purchase, a one year interest free promotion. I took the promotion and purchased a TV set. Now the promotion is set to expire on XX/XX/XXXX. I received a statement stating that I still have a balance of $XXXX on the promotion. I called Synchrony Bank (the holder of the card) and talked to XXXX and asked if I send $XXXX for the promotion and $XXXXXXXX for the minimum payment the promotion will be paid off. She said absolutely, so I sent $XXXX. After I knew they received the payment I made a follow up call and was told the promotion has not been paid off only a $XXXX was applied to the promotion and the rest was applied to the rest of the account. I then talked to supervisor XXXX and wanted to know why the promotion was not paid off? She said their policy is to apply the money to the interest account and she refused to pay off the promotion. The terms of the promotion clearly states; To avoid paying Accrued Interest charges on Any DEFERRED INTEREST promotion you must pay at least your minimum payment due if any each month and the ENTIRE APPLICABLE PROMOTIONAL BALANCE BY THE EXPIRATION DATE!  she "REFUSED" to pay it off. And they are also in the process of selling my card to XXXX XXXX  in XXXX  I asked her what if they don't honor the agreement and she said she didn't know she doesn't work for them. Both conversations with them they have recorded.

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 2021-08-22
Company: SYNCHRONY FINANCIAL
State: GA
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:
On XXXX. XXXX, 2021, I made a reservation at a XXXX for a five night stay which totaled to {$2000.00}. The payment was processed through my PayPal account. I ended up canceling the reservation due to my family and I testing XXXX XXXX  XXXX and having to XXXX. I emailed the host about my refund due to their policy with COVID, but they only refunded {$140.00} on XXXX XXXX2021 which is the cleaning fee.I continuously contacted XXXX and the host for my refund but they declined. I currently have a negative balance of {$1900.00} on my PayPal account. Also, I contacted PayPal to dispute the charge and they did a provisional credit. The {$1900.00} was reversed back into my account on XXXX, 2021 meanwhile it was under investigation. On XXXX, 2021, my account was charged {$1900.00} which is at a negative balance. I pleaded to both parties and PayPal that I am unemployed and I was affected by the virus but they refused to process my refund.

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 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/2020, I attempted to obtain copies of all three credit bureaus reports online via XXXX. I was able to secure both XXXX  and XXXX  reports but was denied online access by TransUnion without explanation. I also tried to obtain said report via telephone and to date TransUnion has refused to provide access to consumer reports. 
I have filed similar complaints over the past ( 3 ) years with CFPB in regards to TransUnion business practices which is in direct violation of the FCRA which allows consumers to obtain free online reporting especially during the COVID-19 pandamic. I requesting the CFPB enact or pass additional laws to enforce all three credits to provide online access to consumer credit report and heavy fine and provide consumer financial relief when the credit companies deny consumer online reports.

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 2017-12-07
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
CREATIVE MATH! 

I have promotional and non-promotional balances with my XXXX XXXX card. I call in each month to clarify HOW MUCH I NEED TO PAY - so I do NOT pay interest the following month. And if needed I pay off my promotional balances that are coming due. 

Once again last month, it appears as though the bank is CREDITING my promotional balance with my payment as requested, then RE-CHARGING it to my account as non promotional resulting in my having a balance subject to interest charges. 

Every month my account seems to have more " adjustments '' ( both debits & credits ) than it does actual transactions with which I am buying product or making payments.

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 2021-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Failed to notate account in dispute way over 35 days

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 2019-08-23
Company: New Hampshire Northeast Credit Services, Inc.
State: NH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Talked to 2 incredibly rude people today with NH/NE credit services. I was told they could not prove the original debt took place. Told me that I had to prove I did not have a medical procedure done or not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Experian Information Solutions 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 FILE AND FOUND TWO INACCURATE ACCOUNTS AND AN ENTRY IDENTIFIED AND INQUIRY THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRY HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. I HAVE NO IDEA HOW THESE ACCOUNTS AND INQUIRY GOT ON MY CREDIT FILE. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A DAMAGED STATE. EVERYTHING IS AT A STANDSTILL BECAUSE OF THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE. KEEP IN MIND THAT THE ACCOUNTS AND INQUIRY DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.

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 2020-11-16
Company: Kriya Capital, LLC
State: CA
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 XXXX XXXX I sent in a letter of validation to Credence Resource Management. I was asking for validation of this account I NEVER said it was fraud. They sent me fraud packet WHY??? Is this their way of prolonging doing their jobs? I am trying to fix my credit and this is just a stall tactic on their part. So now I have to spend more time fighting this over their mistake. I have attached the letter I sent in XXXX and the fraud packet they sent me you can clearly see I DIDNT ask for a fraud packet

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This is the first time I have had identity theft. I'm not sure the reason behind this but I pulled my credit report and there are a couple of fraudulent accounts that do not belong to me. I have already submitted a request to get these things removed and as I logged on today I found a collection account added to my account right after I submitted this request back in XXXX. Someone is using my identity without my consent. Please remove these items as soon as 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 2020-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
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:
On XX/XX/2020 I paid my Bank of America credit card in full using their online banking application. There were three choices to make a payment : 1 ) XXXX statement balance ; 2 ) Current balance ; and 3 ) other balance. I paid the current balance in full before the due date which was XX/XX/2020. To my surprise I noticed on my XXXX XXXX that there was still a {$20.00} balance due on XX/XX/2020. I looked and it seemed to be interest charged on purchases from the close of my XXXX XXXX to XX/XX/XXXX. ( I would like to point out that there were no new purchases since XXXX, 2020 ). When I chose to payoff my current balance there was no indication that there could be a residual interest charge on my next statement. If I did not notice via XXXX XXXX I would have thought my card was at a {$0.00} balance and not made a payment in XXXX which would have in turn cost me a late fee and negative impact on my credit. Thankfully I caught it-but when I called and complained the service rep said she could not reverse it and also that BOA did not have a complaint department. I feel that this is deceptive practices in order to generate fees. The Service Rep also  stated that I should always call for a payoff quote. This was no where indicated on the online banking page!!! There was no warning or flag to tell the consumer that there could be more interest on the next statement balance. I would like an investigation to see if they are properly warning the consumer about interest rollevers and also if this is clearly stated in their disclosures.

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 2018-02-06
Company: Sarma
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: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute to the following credit Agency : XXXX They are incorrectly reporting a medical debt collection under my name and social security number. It has been more than 30 days and has not been resolved. XX/XX/XXXXwas their deadline. I called and was told that it was not removed. The collection happens to be under a person with the same first, last name and DOB as myself. Her address is also being reported incorrectly under my social security. The debt is for XXXX  for a medical debt reporting inXX/XX/XXXX.

I called the Sarma Agency before submitted the original request through XXXX  and they could not find it because the social securities are different and I also called the Medical Doctor and they have no record of my name and social security number. I now have to file a fraudulent report with XXXX  and they are asking me to file a police report. This is not my error. It is the credit agency for reporting it incorrectly.

My report number with XXXX  is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My XXXX  report does not show item or address.

My XXXX  report does not show item or address

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: Financial Data Systems
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This collection office is attempting to collect TWO accounts in my name that do not I never authorized to be open. I have attached an ID theft report with the details. Please see the attached documents. I will expect this information to be removed from my reports within 4 business days from Monday, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I AM SO FURIOUS WITH BLOOMINGDALES CREDIT CARD. MY BLOOMINGDALES CREDIT CARD LIMIT WAS XXXX AND DURING THE PAST 6 MONTHS OF USING MY CREDIT CARD RESPONSIBLY AND PAYING MORE THEN MINIMUM PAYMENT REQUIREMENTS, BEING SUCH A GOOD CUSTOMER CLOSED MY ACCOUNT FOR NO REASON, AND ALSO HURT MY CREDIT SCORE FOR THE CLOSURE OF THE ACCOUNT. I HAVE PAID OVER 2000 $ IN CREDIT CARD PAYMENTS THROUGHOUT THE 6 MONTHS IN WHICH MY ACCOUNT WAS OPENED, MULTIPLE PAYMENTS IN A MONTH, USING AND PAYING RESPONSIBILY. SO UNFAIR THAT THEY CLOSED MY CREDIT CARD BEING A GOOD CUSTOMER, PEOPLE STOP PAYING THEIR CREDIT CARDS FOR 4 5 MONTHS AND THEY DONT CLOSE THEIR ACCOUNT, YET I HAVE BEEN A GOOD CUSTOMER PAYING MULTIPLE PAYMENTS IN A MONTH AND USING RESPONSIBILY THEY CLOSED MY ACCOUNT AFTER HAVING A GOOD HISTORY WITH THEM. AND THEY DONT GIVE A LEGITIMATE REASON AS TO WHY I DESERVE TO HAVE THE ACCOUNT CLOSED, WHEN I HAVE BEEN SUCH A GOOD CUSTOMER.

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