BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: TN
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:
XX/XX/2023 : Attached documents prove that XXXX XXXX 's credit bureau reporting for this account during the month of XXXX is incorrectly stating that the account was 30 days past due. Documents show that multiple payments totaling {$3900.00} were made by myself, accepted and posted to the XXXX XXXX account during that month. The payments were applied to the card and it functioned normally. Payments have been made on time/early throughout every single billing statement since opening the card, and XXXX notifications of past due/late amounts were sent to me for the month of XXXX. Furthermore, to my recollection, the month of XXXX was originally reported correctly as current, and it seems the change XXXX have occurred following a dispute focused on the following month. Credit monitoring services now show the account as " 30 days late '' " {$0.00} '' past due for XXXX. An earlier dispute details a more complex issue for the month of XXXX in which an XXXX XXXX supervisor, on a recorded line ( case XXXX ) identified a technical glitch -originating solely from XXXX XXXX- which caused numerous payments from previous months to be " returned '' ( attached statements from my corresponding checking account prove that they were not returned to any account of mine, and that it was not possible for myself or XXXXXXXX XXXX XXXX have requested returns ). This happened on XXXX XXXX, and payments were sent within XXXX hour of notification each time. Attached documents prove that an error code generated by XXXX XXXX, indicating XXXX XXXX  or myself requested those returns, is WRONG and not possible. Though payments were initiated by myself and marked as accepted to the XXXX account, XXXX XXXX participated in no interaction with my bank account regarding the debiting, or returning of those payments. Attached documents will show that XXXX XXXX generated numerous technical issues, all of which were dealt with immediately by myself, and there was never a period longer than an hour in which the card issuer or consumer was aware of any issue or further action needed. Attached documents show that XXXX XXXX XXXX XXXX violated regulations in credit reporting, as the account was never late, and there were no notifications of an account being past due for the month of XXXX. On XX/XX/XXXX on a recorded line, I was assured multiple times after experiencing/rectifying XXXX XXXX XXXX glitch that the account had always been current and no action was needed from myself. At the time of filing this complaint, it appears the XXXX reporting of the account may have been corrected to " current '' but I have not received confirmation. Statements for the months of XXXX - XXXX are attached.

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 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Transunion requesting that they correct this erroneous account being reported on my Credit File because they have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/2022 and to inform them that I am halfway of taking legal action and sue them for their willful non-compliance of the FCRA statute. Only if Transunion chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be corrected is : XXXX XXXX XXXX XXXX Date XXXX Balance : $ XXXX Late Date 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 2023-08-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have consistently made timely payments without any instances of being late. It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay. Please take immediate action to correct my account and ensure that it accurately reflects my payment history.

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 2022-12-12
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX : account # XXXX XXXX : account # XXXX XXXX XXXX XXXX  : account # XXXX XXXX XXXX : account # XXXX XXXX : account # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
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: Personal information incorrect

Complaint:
I have contacted the company on multiple occasions. They told me that the addresses were going to be removed but they still show up. My only name is XXXX XXXX. It should only be one name. My address has always been XXXX XXXX XXXX XXXX, XXXX, FL XXXX. No other address should be on there. I am DEMANDING this information be corrected.

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 2020-06-03
Company: Alorica Inc.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX XXXX  XXXX  sold our loan to Sst. The company was closed bc it was ripping military families off. Now Sst is continuously ripping us off with high interest and fees. I have been paying large payments to pay the loan down and each month they come back with over {$200.00} in just fees and interest on top of a daily balance. Spoke with the company several times because theres no way we can pay the loan off if they are ripping us off on daily fees that wasnt discussed on top of a monthly interest fee. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: DISCOVER BANK
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are hard inquiry 's from this company showing on my credit report. I have never applied from credit from this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-24
Company: TransferWise Ltd
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This complaint is about XXXX, formerly known as Transferwise. 

On XX/XX/2021, I took a XXXX car service from XXXX XXXX airport. As this is a car service ordered through an app, the price is already set when you request the ride. When I accepted the ride, the price showed XXXX. However, I was subsequently charged XXXX. When I contacted XXXX regarding this, they claimed the driver manually added an additional short-term parking fee as well as a longer ride fee. When I explained to XXXX that the driver did NOT have to pay the fee, citing that there was no wait time and XXXX  has a specific area for ride service pick-up and no fee is charged to the drivers, XXXX  ignored this information and refused to credit the difference. Additionally, the driver intentionally took a longer route through central XXXX while he spoke on his handheld device and frequently stopped. A ride that should have taken approximately 1 hour took 1 hour and 52 minutes. 

XXXX  still refused to refund the difference of what was overcharged, so I then contacted XXXX  about the issue. It has now been two weeks and after first claiming that the would submit a chargeback, XXXX  is now refusing to dispute the transaction, despite me explaining that at no point in the XXXX app does the word " estimate '' come up, nor did it state that I would be charged additional fees for airport pick-up when I ordered the service. I do not believe that XXXX  is following US banking regulations in refusing to submit the dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are hard inquiry 's from this company showing on my credit report. I have never applied from credit from this company.

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 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX XXXX # 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 2022-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified i

n 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Capitol one Bank due to the response I received. I was told i was denied an increase for recent delinquency of my consumer report which currently is very false as I have no recent delinquencies at all I have been with capital one for a few years now with no issues and no late payments and I have not been grant and increase in over 2 years. This is very unfair as I have had an outstanding history to date

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: ALLY FINANCIAL INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
There have been discrepancies regarding the XXXX XXXX Claim. 

I have provided a letter from the attorney representing XXXX XXXX XXXX. 

The letter provided details of the payment extension discrepancy. 

XXXX and XXXX do not have a copy of the GAP insurance policy and are unaware that Ally Financial is still responsible for the remaining balance on the vehicle. 

I am in receipt of a letter stating that 72 months was and remains the installment loan. There were no loan modifications made. 

I requested 2 payment extensions and I only received 1 temporary payment extension and a loan modification was not provided. 

The billing was caught up and the XX/XX/XXXX payment was rendered on XX/XX/XXXX. 

XXXX payment due was still within grace period when the date of loss occurred on XX/XX/2020, however XXXX payment was not paid. 

Ally Financial is responsible for the remaining balance. 

The remaining balance needs to be paid off to XXXX and XXXX who represent 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 monetary relief
Consumer complaint received 2022-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/2022 I purchased a XXXX cutter from XXXX using the Kohls  charge card for {$290.00} plus tax as a birthday gift for family member. I also received {$60.00} of Kohls cash which was never used. I paid the Kohls credit card minimum payment in XXXX for {$70.00}. In XXXX I returned the XXXX XXXX, unopened and sealed via XXXX providing a return label that was provided.I didn't think much about it and figured I would have a credit on my Kohls charge card since the return would have put me the account in a negative balance. I contacted Kohls in XXXX when I received a bill for over {$500.00} to include late payments and the cricut cutter. I communicated the items was received by Kohls and confirmed by XXXX. I stated via phone and multiple letters the name of the employee is annotated on the XXXX delivery receipt is " XXXX '' and provided a tracking number showing the item is confirmed as delivered. I have called and written letters to Kohls because my balance remains over {$600.00}. The balance should be negative. Kohls charges me late fees, on top of interest for an item that was returned. In addition they have reported my payments as late to the credit bureau for XXXX XXXX. Not only does Kohls want me to pay a {$600.00} balance but I do not even have the item. MY return label clearly shows the package was received, as well as the employee 's name who received the return. I have battled with Kohls for over XXXX months, which is plenty of time for the company to figure the disconnect in their return center. NOt only does Kohls need to credit the return but I would like them to credit the late fee 's since I should never have carried a balance. In addition to updating the reports to the credit agency. No other charges were on the Kohls credit card except the item I returned. I am already out {$30.00} cost to return the item but this cause havoc on my credit report. I will attached the XXXX shipping labels and confirmation of the return. At this point I dont 'even care if they cancel the card, as I will never spend another dollar at Kohls again XXXX The amount of time I have spent to correct their mistake only to have the issue remain is a blatant disregard for customer service. I do not feel I am asking anything unreasonable. I am simply asking Kohls to properly credit the return. I should not have to pay a credit card bill and late payments for an item that was returned months ago. I admit the first XXXX late payments I was unaware of, because I had reasonably expected them to credit the return. As a result, there was no indication that I owed a balance since to my knowledge the credit would have resulted in a {$60.00} credit from the previous payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-27
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
PayPal is reporting a tradeline that I never applied for to my consumer credit file. I never authorized an account with Paypal nor was I aware that an account was ever opened in my name. PayPal is in violation of the FCRA by reporting this tradeline to my consumer file as I never agreed to any line of credit with Paypal. In accordance with FCRA Section 609 I am requesting all contractual documents stating and proving that I am responsible for this account and that I agreed to and authorized such an account. I can not see any type of account number listed for the tradeline on my credit report. The last four of my SSN are XXXX. PayPal credit card account number XXXX. Remove this erroneous tradeline immediately as this is a complete violation of the FCRA.

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 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Hello CFBP. I am reaching out again because XXXX XXXX XXXXXXXX XXXX did not correct the errors and they are reporting on the credit reports. I was the process of purchasing a home and lost out of the home due to late payments from XXXX. XXXX has incomplete accounts numbers -showing partial account numbers. Some are showing XXXX days back-to-back, while some say XXXX then back to XXXX back to XXXX the XXXX days late. I have requested under law fix this by removing this erroneous information. XXXX XXXX XXXX XXXX XXXX XXXX. I requested this to be removed immediately. It is against the law to furnish information that is inaccurate. 
There is also payment as if I had paid on some of the accounts. This is also not true. 
XXXX impartial accounts and all XXXX credit reports XXXX. different amounts and dates on all three credit reports XXXX. causing great harm to my rights to purchase and it's been an ongoing request that no one seems to take note.

XXXX. When making the attempt to write XXXX XXXX XXXXXXXX is showing two different addresses? 
How was this information verified, crossed reference? How? 
I received a letter that they were not going to make changes, while I received another letter that they would remove but can't guarantee the future. The late payments are still showing on All three credit reports again with partial account numbers. 
different dates, different amounts, different actions. 
Because of this mismanaged information. I am requesting this be removed immediately. Not in XXXX days. As I had lost the purchase of a home due to debt-ration being extremely too high and late payments. Which all XXXX credit reporting agencies and reporting. I can afford to wait another XXXX days for this company to fix this. 
I am really needing help. 
Thank you for reading. 
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 2023-08-11
Company: Experian Information Solutions Inc.
State: PA
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:
In accordance with 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.

has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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