BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have 2 cards with the same cycle, due on the same date, yet they have different processing when it comes to payments. 

In the past if I was a day late on paying the minimum, I could pay it and it would not count against me. 

My payment for both cards is due on the XXXX of the month. 
I logged in XXXX to pay both minimums. 
I added a new account to pay, the system verified the account and added the account as a payee, which it would not do if the account was not accurate. 

I was able to pay the minimum on the smaller balance, however when I tried to pay the one w the larger balance it wouldn't let me. 

I called, and the rep said I couldn't pay it bc it was a day late. I explained I had paid a day late plenty of times, besides the system allowed me to pay the other account, which had the same due date. She could not explain why and said I would be charged a late fee on one account and not the other, although they have the same cycle and due date and even though this was not the case from the past. 

Then I got a message the other payment didn't go through bc there was an error with the account that has already been verified and added as a payee. I called, the rep put the same exact numbers in to remake the payment and of course, I was charged a fee on that account as well. 

I was charged {$75.00} extra on the larger balance and {$6.00} extra on the smaller balance, which to me were predatory fees being there clearly is no standard practice. 

Now, early this morning, XXXX I made a payment to both cards using an old account that I've used many times. 

Of course, the smaller balance went through and shows a pending payment. 
But the larger balanced account is still saying I'm behind, which is inaccurate, because I have a receipt in my email showing I made both payments a minute apart from the same account, both in the early morning of the due date, XXXX. 

Further more, just like last month, the cycle ended only on the larger balance and shows I have to wait until the next cycle to make a payment, that already made on time this morning. 

The system is not functioning properly and of course, Capital One is making money from the " errors ''. 

The screenshots uploaded are from XXXX on today, XXXX. I made both the payments this morning around XXXX, which is also in the screenshots. What kind of system records certain payments but not others?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: General Motors Financial Company, Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
My loan keeps getting moved around as the mortgage companies keep getting bought out. First my loan was through XXXX then to XXXX then to XXXX XXXX and now XXXX. Every single time my loan gets moved around, the month that their transition happens the new lender marks my mortgage as 30 days late. I have NEVER been late on my mortgage, it gets automatically taken out of my bank account every single month. Every time this happens I call the lender and they tell me there is nothing they can do and I have to dispute it on my end. This is negatively affecting my credit score for no reason and it's not fair that I suffer the consequences. I have no say in my loan being moved over when the mortgage company gets bought out and I have never done anything wrong. None of these companies have ever been willing to fix this and they have no explanations for why it keeps happening. To me this is illegal, I am paying every month exactly like I should and I get punished because they sell their company to another. I have been able to get a couple of them fixed but I have a new one from XXXX and I absolutely have proof that I paid it and they won't reverse the late payment mark. I also have one from XXXX last year that has not been reversed that I have fought.

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 2023-06-24
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX XXXX, and XXXX XXXX has appeared on my credit report as a negative collection. 

I have no knowledge of this collection accounts. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

15 U.S. Code 1681b- Permissible purposes of consumer report. ( A ) ( 2 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02
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: Information is missing that should be on the report

Complaint:
I have been using Experian Boost to raise my credit score since XXXX. The premise of Experian Boost is to raise credit scores by adding a personal bank account and other self-reporting payments not limited to bills, credit cards, and re-occurring charges like rent. Before XX/XX/XXXX, the last time I got a credit score increase was on XX/XX/XXXX ( Experian Notices Page 5 ). In this notice, Experian increased my credit score from XXXX to XXXX. 

Credit scores are supposed to increase every three consecutive on-time payments and re-occurring charges. However, between XX/XX/XXXX, and XX/XX/XXXX, there were no increases to my credit score. On-time payments recorded between XX/XX/XXXX to XX/XX/XXXX from my bank account did not increase my credit score. 

I called Experian 's customer service and sought advice regarding my credit scores. Customer service advised that bank connections may disconnect at times. To further troubleshoot, customer service advised me to take out my bank account on file and add it again. Customer service told me that this should fix the issue ( connection issue troubleshooting guide ). After following Experian 's customer service advice, my credit score decreased from XXXX to XXXX ( XXXX ). I also noticed an address in my file that does not belong to me. 

I called Experian 's customer service on XX/XX/XXXX, and XX/XX/XXXX, respectively. Experian 's customer service stated that my credit score was XXXX without offering advice and refused to reinstate my previously recorded credit score of XXXX ( XX/XX/XXXX, Graph of Credit History from XX/XX/XXXX, to XX/XX/XXXX ). I have a family that relies on my credit score. I will have difficulties finding other rental homes and credit cards.

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 2021-05-05
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: Their investigation did not fix an error on your report

Complaint:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Bread Financial Holdings, Inc.
State: OR
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:
On XX/XX/2022 I contacted Comenity Bank which takes care of account information for XXXX and other corporations. I reached out due to the fact that I could not make a purchase on XXXX XXXX website. I received an automatic message stating that I must contact Comenity to first validate my account. I called the provided number and spoke with a gentleman who stated that I just needed to update my information and then I would be able to make a purchase. He asked for my mailing address, my phone number, my account number, and the last XXXX of my SSN. He also asked for my income. I stated that I would update my income online. He endorsed that my account can only be validated if I provide my income. I provided him with my income. He then stated that he would need to do a soft credit pull in order to validate my account. I specifically asked him if it was a hard inquiry or soft inquiry. He stated that they do not perform hard inquiries and that I was a soft inquiry. I said that would be perfectly okay. Within XXXX minutes of ending the call, I receive XXXX emails from different credit bureaus stating that a hard inquiry has been performed. I called the same number back and asked to speak to a supervisor. The automatic prompt stated that the line would be transferred to a United States representative. I explained my concern to the supervisor and she stated that there was nothing that could be done and she was not sure why the gentleman would not know about the hard inquiry. She also informed me that my account was inactive and had to be reinstated. I was not told this information nor did I give Comenity Bank or XXXX XXXX permission to perform a hard credit inquiry into my credit report. I am writing because I would like my case to be investigated for illegal activity and to have the hard credit inquiry removed from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
XXXX XXXX XXXX Account XXXX Credit Bureaus reporting late payments after account was closed i.e. XXXX reporting 15 90days and greater late payments from XX/XX/2021 to present day. An account can not be late after it is closed. This is a violation. Delete this account immediately.

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 2021-12-04
Company: Experian Information Solutions Inc.
State: MN
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:
I have sent numerous request via U.S. Mail requesting for XXXX and Experian to permanently delete and remove all fraud alerts, Extended Fraud Alerts and File Blocked For Promotional Purposes. The fraud alerts are still showing on my Experian and XXXX credit report. I want the fraud alerts deleted and removed from my XXXX and Experian 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 non-monetary relief
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: CA
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2022-06-12
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 information incorrect

Complaint:
XXXX XXXX XXXX Account XXXX Credit Bureaus reporting late payments after account was closed i.e. XXXX reporting 15 90days and greater late payments from XX/XX/2021 to present day. An account can not be late after it is closed. This is a violation. Delete this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: ALLY FINANCIAL INC.
State: MN
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:
I paid off an auto loan in XX/XX/XXXX, over the duration of the loan I paid extra on the auto loan and also made two payments in the same month. I recently discovered that a late payment was recorded to my credit history in XX/XX/XXXX. Ally never contacted me to inform me they reported a late payment on my credit history so I was not aware of the issue until I applied for a mortgage in XX/XX/XXXX. I was also informed by Ally today that the extra principle payments I made during my loan term were never applied towards my principle. Ally was taking the principle payments and pushing the payment out several months and charging me interest on the auto loan.

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 2023-06-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a credit card account with Captial One, I am not able to set up online access to pay this account for some reason, therefore I am forced to pay by check. I made a check payment to them and mailed it with my payment slip portion. When the check was received, the converted the check to an ACH withdrawal from my account and received their funds, however the credit was never applied to my credit card account. I opened a dispute with them, they did give me a temporary credit, requested my copies which I sent to them on XXXX separate occasions after they told me multiple times, I did not submit the requested documents. I ended up having to send them certified mail. They then closed my account and when I called, they stated that they could not find where the money went and reversed all the temporary credits, added all the late fees and interest back to my account and now want me to pay all of the fees. They basically have stolen the XXXX payment and are wanting me to pay again for them losing my money. I can prove they received the money as the ACH cleared my account and clearly shows it was converted by Capital One. I want my money credited back and my account credited back for all the late fees and interest. Original case number with Capital One is XXXX Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-21
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX XXXX 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 explanation
Consumer complaint received 2020-11-22
Company: Credit Center, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The Credit Center Inc misrepresents the amount owed consistently. I see the amount on my credit reports, however, when I contact them regarding the debt, they state I owe a different, larger, amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Amsher Collection Services, Inc.
State: NC
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had XXXX ( aka Charter ) internet/cable service for 9 days in late XXXX XX/XX/2022 and they could never get my cable to work, so I cancelled it. XXXX has a 30 day money back guarantee of satisfaction, so I owe no money for the service itself. I returned several pieces of equipment and have the receipts to prove it. 

In XX/XX/2022, I received a letter from Amsher Collection Services on behalf of XXXX in the amount of {$110.00}. I did not realize I still had a XXXX modem until I received this letter, because the XXXX technician had moved it to a room I never use without my knowing. Upon learning this, I promptly returned the modem on XX/XX/2022 ( receipt attached ). On XX/XX/2022, I sent Amsher a detailed letter with multiple items of evidence attached proving I owed no money to XXXX. I have never received any additional correspondence in any form from Amsher or XXXX, so I naively assumed this meant they had realized their error and it had been taken care of. 

About 3 weeks ago, I noticed my credit score had gone down and was trying to figure out why, as I should have nothing negative on my credit report. Imagine my surprise when Amsher Debt Collection shows up as an unpaid debt of about {$53.00}! This is the only negative on my credit report and it brought down my score quite a bit. I sent a message via a " Dispute your debt '' page on the Amsher site ( https : //www.amsherconsumer.com/im-disputing-this-debt ) and attached the XX/XX/2022 letter and most of the documentation I had sent them back in XX/XX/2022. I have received no response, not even an email confirmation of my submission. A few of the original receipts/proof I had sent with my XX/XX/2022 have since been lost, but I was able to find most of them. The most important items are the receipts showing I returned the equipment- Attachments C, D, E, H and K. I could not find the original ( and only ) letter Amsher sent me in XX/XX/2022, but I am pretty sure they are saying the {$53.00} is primarily for the modem which was not returned until later ( Attachment K shows XXXX got the modem back ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

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