BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
As of XX/XX/2018, I have made 4 payments totaling {$750.00} to XXXX XXXX XXXX XXXX   XXXX, however none of them have been credited to my account. They have all been paid through Capital One Bill Pay and Capital One shows that all payments have been processed ( Exhibit A ) and cashed ( Exhibit B ). However, XXXX XXXX shows they have not received any payments since XX/XX/2018 the last payment they show was in the amount of {$280.00} ( Exhibit C ). I have received a delinquency letter ( Exhibit D ) and have been charged at least one late charge ( Exhibit E ). I do not want XXXX XXXX to report my account delinquent to the credit reporting agencies. 
As soon as I noticed this problem, I contacted Open Sky on XX/XX/2018 and spoke to XXXX ( around XXXX XXXX  EST ). She took down my phone number in case we were cut off. She said she would have to start an investigation and she put me on hold for so long we were either disconnected or she hung up. She made no effort to call me back. From the absolute void of information from XXXX XXXX since then, it looks like she made no effort to launch the investigation either. 
To date I have not received any notices from XXXX XXXX about the investigation, not to mention over Seven hundred dollars of my money missing. In short, I do not believe XXXX started any investigation and I find that criminal in light of the credit problems and monetary losses that are clearly foreseeable. The payments are as follows : XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$300.00} Unfortunately, I have so often found myself in the position of being told lies, incorrect information, etc. it has become necessary to file complaints with the CFPB just to get someone in authority interested the problem I do not want to find late payments have been reported to the credit reporting agencies, and I am apparently the only one who is trying to find a solution to my missing money. 
I have filed this complaint against both XXXX XXXX and Capital One in the event Capital has not remitted the payments to the correct account. Something is wrong and it appears the answer lies in one of the two Defendants.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
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: 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 be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2020-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts listed and inquiries aren't mine. Please remove them.

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 2017-07-14
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:
I have had to close multiple Synchrony Bank accounts for problems making payments. I had to close my Sams Club card and Old Navy bank. I make payments through my bank account and with the correct account number. The checks are cashed and then not credited to my account.

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 2022-12-11
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
My issue is with XXXX  incorrectly reporting to the 3 credit bureaus that I have missed up to 9 payments. Then when I call and speak with them, ( 57 times in the last 8 months ) they tell me they have not reported anything. I have paperwork from XXXX proving that I have not missed ANY payments, yet they are reporting that I've missed up to 9 payments. This has caused me to receive multiple rejection letters that explicitly list the XXXX missed payments as the reason for denial of credit. The last time I spoke with XXXX  they told me after all this time that I'm supposed to mail them a special form, that I can only get from them, in order for them to do what is REQUIRED BY FEDERAL LAW. I am still waiting on that " special form '' to be e-mailed to me. Over a week now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
My issue is with XXXX  incorrectly reporting to the 3 credit bureaus that I have missed up to 9 payments. Then when I call and speak with them, ( 57 times in the last 8 months ) they tell me they have not reported anything. I have paperwork from XXXX proving that I have not missed ANY payments, yet they are reporting that I've missed up to XXXX payments. This has caused me to receive multiple rejection letters that explicitly list the XXXX  missed payments as the reason for denial of credit. The last time I spoke with XXXX  they told me after all this time that I'm supposed to mail them a special form, that I can only get from them, in order for them to do what is REQUIRED BY FEDERAL LAW. I am still waiting on that " special form '' to be e-mailed to me. Over a week now.

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 2023-08-31
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XX/XX/XXXX I sent Ally Financial Irs tax forms that i had submitted to the Internal Revenue Service. Per IRS rules I had to sent the copies to Ally Financials ' tax department. After sending the Tax forms, Ally Financial sent me a letter stating that those tax forms can not be used to pay-off the remainder of the loan. I never sent the forms as a form payment, the forms were sent as to be in compliance with the Irs rules, copies were sent to Ally Financial, and copies were sent to the Irs department in the state where Ally headquarters are located in XXXX Michigan. Ally Financial sent me a letter stating that they have placed a restriction on the account and will not accept payments unless they are made in certified funds with a cashier 's check, money order, or payment through XXXX XXXX or XXXX XXXX After you have made XXXX consecutive payments in certified funds, you can call us at the toll-free number XXXX ( XXXX ) to have the restriction removed. I have tried unlocking this account since XX/XX/XXXX, and Ally XXXX Department refuses to unlock the account in order to pay via XXXX portal or via telephone. It has caused hardship for my wife and I, trying to make sure we go to a store that has money gram or XXXX XXXX, this was not part of the original contract nor was this disclosed to me, i have called multiple times to have them unlock the account or take my payment over the phone and they refuse every time, they put me on hold for long periods and give me the run around stating supervisors are unavailable and that those restrictions on account can not be lifted even by supervisors. When i ask to be transferred to anyone that has access to help me, they tell me that unfortunately they don't have a license to help people in california, then i get put on hold and retransferred to another operator and the same situation keeps happening, enough is enough i need an answer from someone within the company that should be held accountable for violating my consumer rights to not be in fear of car repossession.

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 2022-12-11
Company: Chime Financial Inc
State: FL
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:
So Ive spoken to chime bank and the representative laughed at me. I was filing a dispute for over XXXX dollars that is me and my familys rent money. My card was stolen and Ive filed necessary police reports in the town we were in we were vacationing when my wallet was taken from my hotel room. Chime is not taking us seriously please help us. We are going to be within days of eviction if these funds cant be recovered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: Experian Information Solutions 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:
in accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-12-11
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:
in accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 was looking at my credit report and noticed that there are multiple addresses on there that I don't live at. The only address that should be reporting is listed below. 

Correct address XXXX XXXX XXXX XXXX MD, XXXX Please delete these wrong addresses thats listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD 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 2022-08-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have medical bills that are incorrectly reporting negatively as unpaid medical bills to collections in less than a year. According to the Medical Debt Relief Act S.214 Section 3, no medical bills are to be reported as collections to credit report within 1 year. 
The following negative marks are damaging my credit : XXXX XXXXXXXX XXXX XXXXXXXX XXXX reported XX/XX/22 Balance {$100.00} Please remove all incorrectly reported items as they violate FCRA 15 USC 623.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXX XXXX XXXX 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 an account without my written instructions I have sent multiple letters and emails ; also called both companies and exampled to them that this account is not mine. By this account reporting false information on my credit report, it has caused lenders to refused applications ; which put my business in a financial deficit. Please assist me with this issue by removing is fraudulent account.

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 2022-12-11
Company: Paypal Holdings, Inc
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XXXX XXXX withdraws were attempted at ATM ( XXXX ) @ XXXX XXXX XXXX for XXXX XXXX XXXX for XXXX XXXX XXXX ( XXXX XXXX ) XXXX would not give the money from the ATM. This happened before and the XXXX XXXX card worked successfully mins later at XXXX and I think XXXX 's. The first time I did this I reset all the pins to insure that they were the correct pin number and I have not changed the pins since.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XX/XX/2022 the price for my homeowners insurance was lowered from {$2100.00} to {$1600.00}. The insurance company sent Bank of America and I a copy of the Insurance page showing the change. Almost 30 ( Thirty ) days after the document was mailed to BOA, on XXXX XX/XX/2022 they still charged my escrow account the higher price of {$2100.00}. I contacted customer service and they refered me to the ihavesurance website, to show that I have insurance ( which I have ) its the price that is in question. That site referfed back to customer service since it was an End of Year issue. I emailed them to Request Escrow be adjusted to refect the correct price. Those emails were sent on the Bank of America secure website. 
Every time I email them on an issue they address a completely different one and just pass the buck. Calling on the phone puts on on a endless advertising loop for al least 20+ minutes. Seems every time I send them a secure message, for one issue as if they do not understand English they address another issue. Please note that with the higher insurance rate the escrow analsis will charge a higher property insurance rate ; which will increase my payment to an amount I may not be able to pay. I feel this is just the bank trying to keep more funds in the escrow account to serve them better.

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 2020-02-12
Company: U.S. BANCORP
State: OR
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:
Last summer my wife and I purchased airline tickets through XXXX. Our two ticket invoice totaled {$810.00}, and we were provided an itinerary number for the flight. When our mastercard statement appeared the next month, there were two charges and three refunds from XXXX listed on our account. The two charges were for {$3200.00} & {$800.00}. Then there were three refunds for {$410.00}, {$330.00}, and {$330.00}. Two itinerary numbers were listed for these five transactions, and neither were our itinerary numbers listed on our purchase. 

I reached out to XXXX, and they stated the two itinerary numbers listed on the card purchase were not in their system, and suggested I reach out to Mastercard to get this taken care of. 

After reaching out to Mastercard, they initially went through the Dispute process. A month or so later, I received a letter saying my claim did not fit the dispute process. When I called back to Cardmember Services, the claim rep stated I should go through the Fraud process. A fraud claim was initialized at that time. Charges were removed, and after a month or so, put back on my card claiming the fraud charge was not accepted. 

I now have 10-15 emails from XXXX stating the itinerary numbers are not something on their system, so they can not issue a refund. Cardmember Services has closed my fraud case stating that they are unable to process the fraud charge, even though XXXX says they have no record of those charges. 

In the meantime, I now have been overcharged {$2100.00}! Neither company is willing to help through the process and has turned into a constant, " don't look at us, you need to go to them ''. I have no issue paying for the {$810.00} flight that my family took last summer, but being overcharged {$2100.00} is just plain robbery. I have been bounced between a dozen customer service reps between XXXX and Cardmember Services, and have more or less been cast to the side.

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 2022-10-19
Company: EQUIFAX, INC.
State: FL
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 Fair Credit Reporting Act. The List of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

These listed accounts : XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX 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 : 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 crime 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