BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-26
Company: Westcreek Financial
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Back on XX/XX/XXXX, I opened a Lease Account with Koalafi. According to the payoff amount/balanced that was reflected in my Koalafi online account when I open the Lease in XXXX of XXXX was {$1100.00}. The payments were set up automatically every 2-weeks on the amount of {$130.00} plus I was additionally paying {$66.00}. I went back to my bank account records, between XX/XX/XXXX, and XX/XX/XXXX a total of {$1100.00} was paid to Koalafi. When I called them back on XX/XX/XXXX to informed them that I had overpaid in my account since the original Lease Amount was only {$1100.00} I was surprised to realized that according to their records my original XXXX XXXX was {$1300.00}. Therefore, I was in default with an amount of {$170.00} which I was not aware. As a result, they increased the amount of my Lease Amount to {$1700.00}. I tried calling several times in XX/XX/XXXX, XX/XX/XXXX. I was sick for several months, and I could not make any other attempts to call between XXXX and XX/XX/XXXX. I resumed my attempts to call them XX/XX/XXXX, and XX/XX/XXXX. Today, XX/XX/XXXX, I was able to speak to someone via chat communication online. I asked to speak to a manager, but I had not luck. According to representative a manger will return my call within 5 business days. However, back in XXXX and XX/XX/XXXX I received the same response, and no one returned my messages. As of XX/XX/XXXX, Koalafi has reported a passed due amount of more than 90 days to the 3 major credit bureaus, and they have managed to affect my credit disproportionately. However, I feel that I as a consumer, I made my payments on time every 2-weeks with additional payment amount to cover what it was reflected in my account when originally opening my Lease Account. I need your assistance to get this situation resolved. There was a mistake in the Lease Amount showing in my account back in XX/XX/XXXX vs the lease payoff amount showing in their system. I am willing to pay what is fair for the consumer. I am willing cover the {$170.00} that supposedly was part of the original Lease Amount from back in XX/XX/XXXX. However, I do not think is fair for consumers having to pay unproportionally amounts of money when they did not receive the correct information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 repeatedly provided PROOF from DCS that shows that all accounts are closed. Transunion, XXXX and XXXX continues to tell me that the creditor shows and account open. Why are the credit bureaus are violating to FCRA? I have the documents proving that this account is closed. I paid all accounts off in XX/XX/2022 and DCSXXXX provided me with proof that these accounts are truly settled. My credit report show that it is open and that the creditor verified that it is so. NOT true. These bureaus are not looking at my documents because if they were they would know that these account are closed

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 2022-05-25
Company: Experian Information Solutions 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:
I have disputed several accounts with Experian numerous times due to the accounts being fraudulent. I have attached a copy of the dispute letter and FTC identity theft report as well as proof of identity and proof of address. These accounts are still reporting on my credit report as of today. Per FCRA 15 U.S. Code 1681c-2- Block of information resulting from identity theft. 
( a ) BlockExcept as otherwise provided in this section, a consumer reporting agency shall block the reporting information in the file of a consumer that the consumer identifies as information resulting from an alleged identity theft, no later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of identity of the consumer ; ( 2 ) a copy of identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2023-06-21
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have a Southwest Airlines Rapid Rewards credit card through Chase Bank. The " XXXX '' credit card that I have through Chase for Southwest Airlines gives me certain benefits every year. One of those benefits is four upgraded boardings. The way this works is that I purchase an upgraded boarding on the day of my flight and Chase immediately refunds the money I paid for the upgraded boarding ( the average upgraded boarding costs {$60.00} ). On XX/XX/ my flight from XXXX to XXXX was canceled by Southwest. I had purchased an upgraded boarding for that flight. Per Southwest Airlines policy, the upgraded boardings do not transfer if a flight is canceled. However, while I received my {$60.00} refund from Chase, Chase did not return the upgraded boarding itself. In my Chase Rapid Rewards account it is showing that I used the upgraded boarding on XX/XX/XXXX, when in fact I did not fly at all that day. I have spent the last four months calling Chase and Southwest multiple times to try and get help to reset the upgraded boarding tracking. Chase is unwilling to give me my upgraded boarding credit back, even though that is part of the contract of the Rapid Rewards credit card. I use all four of my upgraded boarding credits every year, so Chase is taking away one of those that I would have used. I pay a higher membership fee for the XXXX card from Chase to get this benefit. They have made no attempts to make it right in any way, and in fact, I get the run-around from Chase. They tell me it's not their issue, but Southwest Airlines. However, Southwest Airlines does not track the usage of the upgraded boardings, only Chase. I have escalated this matter and still no one even attempts to reverse the upgraded boarding credit in my account. Chase is telling me that since I got my money back, they won't do anything else. However, the four upgraded boardings is part of the agreement/contract with Chase for the use of this card, so Chase is violating its contract with me by not returning the upgraded boarding. 

Right now my Chase Rapid Rewards account shows that I have used two of my four upgraded boardings for the year. However, I have only used one of those two, since Chase is refusing to credit back the one for the flight that was canceled. 

I would appreciate any assistance in trying to make this right. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
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:
XXXX XXXX last 4 ss XXXX XXXX, Transunion, XXXX Are reporting inaccurate Fraudulent accounts on my Credit. I have filed multiple disputes regarding these accounts and they refuse to remove and provide me with how they obtain the information and what information the obtained to show that I'm the one responsible for the debt. They even have several inquiries on credit report that don't belongs to me either. According to FCRA Rules and procedures and I quotes If any credit Breau fail to remove Fraudulent or inaccurate accounts that's being reported on credit report I have the right to sue them in Federal Court. Therefore I'm once Again requesting that the following items be removed from my credit report immediately. 
1. XXXX XXXX  ( Fraudulent ) identity theft 2.XXXX XXXX ( error on report this has been paid it shows In collections ) 3.XXXX ( Fraudulent ) Identity theft 4. XXXX XXXX ( Fraudulent ) Identity theft.

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 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-02-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have never in writing allow this company to share any information or furnish any information regarding my information to any party. They do not have a written consent to report or furnish my information to anyone. 

Pursuant to 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

THERE HAS NEVER BEEN ANY WRITTEN INSTRUCTION BY ME TO THIS COMPANY TO FURNISH MY DTATA TO ANY CREDIT REPORTING COMPNIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/2018, Santander Consumer USA debited a payment from my account in the amount of {$740.00}. I didn't authorized this payment and in fact, I had post dated a check for one full payment to process on XX/XX/2018, because it was pay day for me. It appears that Santander Consumer USA authorized the payment one day before and as a result, I was charged bank overdraft fees and a check returned fee. 
Moreover, Santander has continuously re-tried payments to my account in the past which led to me owing additional monies to my bank due to this and it's very stressful to get the bank to refund or credit me back. 

I've been having difficulties which has caused me to fall behind on my payments and when I talk to a bank rep, they simply brush it off and proceed to ask me when or how soon can I make another payment. They have put my car up for repossession twice, refuse to extend any further extensions on the loan, declined to waived the late fees, doesn't want to refinance or restructure my loan so that the payments are lowered, which is very much needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: DISCOVER BANK
State: NC
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:
I have reviewed a copy of my credit report and I show company DISCOVERBANK account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The issue is causing me significant distress and XXXX to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

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 2022-12-03
Company: Experian Information Solutions Inc.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-05-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I called on XX/XX/XXXX to discuss why there were reversal charges from USAA on my account. I was talking to a representative and was hung up on and not called back. I tried to call back again and was hung up on, again. I finally reached someone and explained how I had contacted USAA about fraudulent charges, been credited twice, only to find on XX/XX/XXXX that my account had the credits reversed ( X2 ). I also explained that USAA never reached out and that I was confused as to what was happening. The agent said they would be right back and placed me on hold for 48+ minutes for what should have been a simple explanation. We were then told that we didn't report these in a timely manner " per the guidelines '' when we were told when we were filed we could do it anytime. They also said nothing had been sent out to us yet. But yet chose to take back our funds anyways. Why would they close and reverse our funds over a timeline when we were told there is no timeline? 

They then said that our credits were done on different days and processed on different days even though we did this all in one evening. I asked why this was done across multiple days when we did this in one evening. They could not provide an answer for us. 

I then asked why this was happening with our charges across the board and with the fraud department that it makes it impossible to keep up with our home finances when our personal charges and even the company can't keep the dates right on their end. No explanation could be provided by the agent. 

I'm frustrated that USAA can't even provide an explanation for how their system is recording transactions and order transactions. They seem clueless about how the system is processed and can not explain it to their customers. This is unacceptable behavior by a bank when it is their job to manage funds. 

I have no next steps and I am at a complete loss.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX, XXXX XXXX Balance Owed : {$830.00} ; XXXX XXXX Balance Owed : {$13000.00} ; DPT EDXXXX XXXX Balance Owed : {$350.00} ; DPT EDXXXX XXXX Balance Owed : {$3700.00} ; DPT EDXXXX XXXX Balance Owed : {$2500.00} ; DPT EDXXXX XXXX Balance Owed : {$3700.00} ; DPT EDXXXX XXXX Balance Owed : {$1400.00} ; DPT ED/XXXX XXXX Balance Owed : {$2000.00} ; DPT ED/XXXX XXXX Balance Owed : {$2700.00} ; DPT EDXXXX XXXX Balance Owed : {$1200.00} ; DPT EDXXXX XXXX Balance Owed : {$3000.00} ; DPT EDXXXX XXXX Balance Owed : {$1800.00} ; DPT EDXXXX XXXX Balance Owed : {$73.00} ; DPT EDXXXX XXXX Balance Owed : {$2900.00} ; DPT EDXXXX XXXX Balance Owed : {$1500.00} ; DPT EDXXXX XXXX Balance Owed : {$440.00} ; DPT EDXXXX XXXX Balance Owed : {$2200.00} ; DPT EDXXXX XXXX Balance Owed : {$1200.00}.

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 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX XXXX Account number : XXXX, Account Name : XXXX XXXX  Account number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-10-17
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Collection of XXXX reported on my credit report on XX/XX/2021 from Midland Credit Management that was the result of Store credit issued from XXXX XXXX  as a result of idenity theft. I never had any accounts with XXXX XXXX. My identity was used fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
LoanDepot assumed our mortgage in XXXX without disclosing that extra flood insurance would be required. Our HOA has a flood insurance policy. They started notifying us in XXXX with generic Robocalls and then sent mail correspondence originally asking for the flood insurance policy certificate which was sent to them. Then in XXXX they started threatening us that if we didn't purchase flood insurance, they would purchase the policy and charge us extra each month. When I asked them how much was needed, they said I would have to speak to their insurance department. When I called their insurance department, they said they couldn't speak to me because I wasn't an insurance agent. They never provided the amount of flood insurance I needed and they never told me how much it would cost. I spent an extensive number of hours talking with numerous representatives and Supervisors in Customer Service trying to obtain more information for which all provided contradictory and constantly changing information. Even though the last person I spoke with, a Supervisor, told me that it looked like we could pay down the loan to offset the need for additional flood insurance but he would have to call me back to confirm. I never received a follow-up phone call and we received an email on XX/XX/XXXX letting us know that they purchased flood insurance without our approval while we were in the process of trying to resolve the issue. It was confirmed that they actually did this on XX/XX/XXXX yet no one told me this during the many conversations I had with multiple representatives after that date. One representative even told us that we would receive a final notice letter in XXXX and then we would have 30 days to rectify the problem, but that was also more erroneous information on top of other erroneous information.

Company response to consumer: Closed with explanation