BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My account, ending with XXXX on the Quicksilver card, had a 0 % promotional interest rate until XX/XX/. After this promotional period ended, normal interest charges would be applied to my account. My account 's cycle ends on the XXXX of each month, with payments due on the XXXX of the following month. 

To avoid incurring any interest or late charges, I diligently paid all recurring bills totaling {$3600.00}. I understood that since the XXXX falls after the cycle ending date, it shouldnt be an issue if I paid by the payment date, as confirmed with a representative previously. However, despite this, I received an unexpected interest charge of {$74.00}. 

Upon speaking with a representative and a senior advisor, I was informed that I should have paid the full amount by XX/XX/, which was my payment date for XXXX, to avoid incurring interest. Unfortunately, this information was not clearly communicated on your card app or website. It was only stated that payment should be made by the XXXX, without specifying the repercussions of not paying by the XXXX. 

While I understand the need to adhere to the agreed-upon terms, I am puzzled by the unexpected interest charges that were not explicitly outlined in my account details. Notably, I have consistently made all payments and never missed any deadlines. Therefore, I am dismayed by these charges. I also made all recurring payments on XX/XX/XXXX before XXXX XXXX  EST to prevent any further interest accrual, considering that XX/XX/XXXX falls after the XXXX cycle ending date, which is the XXXX of each month. 

Moreover, even if I have to pay the interest, what I am struggling to understand is that I'm required to pay the full 30-day amount of interest. Considering my promotional ending date was the XXXX and between the payment date of the XXXX, there were only three weeks where charges were incurred, not the entire 30-day period. Therefore, I kindly request a thorough investigation into this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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. 


Account Name : XXXXXXXX XXXX  : Account Number : XXXX - {$21000.00} XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX - {$21000.00} - XXXX Account Name : XXXX XXXX XXXX - Account Number : {$21000.00} - XXXX Account Name : XXXX XXXX XXXX - Account Number : {$23000.00} - XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX - {$23000.00} -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 of 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
Consumer complaint received 2022-07-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Re : Mortgage with Bank of America Wednesday, XX/XX/XXXX at XXXXXXXX XXXX XXXX XXXX I found out that our property was sold by Bank of America to a third party - XXXX XXXX without any written notification on XX/XX/XXXX. An agent representing XXXX knocked on the door and informed the tenants and was given 3 days notice to vacate the property. 

We are current on our mortgage and have not missed any single payment. I logged in into my Bank of America account to find out why and I was not able to access the account any longer. I called them immediately and the representative I spoke with informed me that our mortgage was paid off as of XX/XX/XXXX. 

We are not aware nor have received any written notices regarding the sale. As of today, we still have not received anything from them. I tried to get additional information but was told that I have to request everything in writing and will take approximately 7-10 business days before we receive a response. 

We have senior tenants living in the property and giving them a 3 day notice to vacate is not acceptable. Where are they going to live and find a place in such short notice. This has put so much stress on them and on us.

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 2022-09-22
Company: Paypal Holdings, Inc
State: GU
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Sent money twice to the wrong person via Paypal. 
The wrong person : XXXX XXXX XX/XX/XXXX : {$2100.00} XX/XX/XXXX : {$120.00} The correct person should be XXXX XXXX When I realized the wrong transaction happened on XX/XX/XXXX I communicated with the wrong person XXXX XXXX and requested refund but the person ignored. At the same date I filed a complaint to Paypal solution center for help but Paypal rejected. 

Case ID : XXXX Disputed amount : {$2100.00} USD Seller info : XXXX XXXX XXXX Date reported : XX/XX/2022 This is the feedback from Paypal : " After our review XXXX we found that certain transactions weren't unauthorized and hence couldn't be covered by PayPal Purchase Protection. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-13
Company: ALLY FINANCIAL INC.
State: MD
Product: Credit reporting 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, this creditor, Ally Financial, has violated my rights. Under 15 USC 1681 Section 602, it states I have the right to privacy. Under 15 USC 1681 Section 604A Section 2, it states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, it states that a creditor may not treat a credit account under an open consumer plan as late for any purpose. Please assist in getting the late payment reporting from Ally Financial removed from my credit report. Thank you!

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 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am complaining about the creditors who are reporting fraudulent information on my credit report. I have been sending dispute letters to the bureaus, but I get no response from them. I am hoping you could help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I uploaded my payment record for proof of payment. My credit score has taken a major hit and I was denied credit and home loan applications because of the 10 missed payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: CA
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Balance : {$240.00} ; XXXX XXXXXXXX Balance : {$250.00} ; XXXX XXXX Balance : {$23000.00}.

Company response to consumer: In progress
Consumer complaint received 2022-09-22
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
on XX/XX/2022, as I needed help with my studying, I found tutor in website called XXXX XXXX XXXXs and paid them {$180.00} through XXXX as per their request. it was my first time to use this kind of service, so I thought it was normal to make payment like this. 
They assigned me a tutor and later said, to help with my studying, they need to setup a special software on my laptop and it will cost {$400.00} for a deposit as they need to borrow it from another company. He said multiple times that I don't need to worry as this is totall refundable. So I transffered {$400.00} through Chase XXXX again. after transferring the money, he said he didn't get it and asked if I can send the money again and once they receive the money, they will give it back to me. I refused it. on the next day, they said we got an another problem, need to install some other software, and it costs {$200.00}. so I need to pay for it. I refused it. They were like they will give me back the money. I refused it then they ghosted me after that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX was ordered to pay {$4.00} XXXX to the Consumer Financial Protection Bureau ( CFPB ) for violating the Fair Credit Reporting Act ( FCRA ), the CFPB said in a press release. 

According to the release, XXXX allegedly knew that it provided incorrect consumer data to the three major credit reporting agencies ( CRAs ). 

XXXX is an originator and servicer of non-prime auto loans and leases and provides credit information to CRAs via monthly data files, according to the CFPB release. 

Between XX/XX/XXXX and XX/XX/XXXX, the CFPB said it discovered numerous systemic errors that could have lowered consumers credit scores, such as the wrong date an account first became delinquent, according to a consent order. During that time frame, XXXX reportedly sent incorrect information on millions of accounts to the CRAs. 

Aside from the {$4.00} XXXX civil penalty, the ruling requires that XXXX must correct all inaccuracies and errors and implement measures to improve and ensure the accuracy of the consumer information it provides to CRAs, the release stated. 

The CFPB also alleged in the order that the internally inconsistent errors should have been readily apparent to XXXX. The agency said the lender knew something was wrong as early as XX/XX/XXXX. 

The order indicated that XXXX must submit a detailed compliance plan to the CFPB within 45 days. 

The shift to digital brought on by the pandemic has disrupted many industries, including the car buying and loan industries. XXXX. XXXX XXXX indicated that the number of customers doing credit applications online has soared, whether the car loan originates from a car dealer, bank or manufacturer. The research noted that roughly one-third of car buyers are now doing the loan process online, and 40 percent said they prefer it that way. 

XXXX  XXXX  including XXXX, XXXX XXXX, XXXX and XXXX are reportedly planning internal investigations to ensure fairness in lending during the pandemic.

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 2022-09-22
Company: Experian Information Solutions Inc.
State: NE
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:
Public record information inaccurate ( bankruptcy, judgment, liens, criminal record ) -- I also have Backgrounds issues due to this mix-up. 


Public record information inaccurate ( bankruptcy, judgment, liens, criminal record ) It was brought to my attention that when applying for a job and offered the position I was later denied the position due to inaccurate felonies on my background report that was done to obtain the position. I also was informed that XXXX and Experian have me in collection due to an account from 2015 with cox which I never authorized at all It was someone who had stolen my identity he used my social to open that account in 2015. 7 years later when applying for a job I was notified of the felonies and of the identity theft that occurred in 2015 making 2022 when my statute of limitations starts for legal action. I have disputed with the credit bureaus numerous times I sent disputes proof of who I am still nothing deleted just keep verifying the debt to belong to me which violates my FCRA rights. I sent a lease, social security, bill statements, Incarceration Proof, Police reports, and audio & video disputes. also certified ups mail proof from the post office with copies of what I sent when I sent it. XXXX XXXX has also publicly reported the theft all over my XXXX XXXX reports Violating my FCRA rights as well I also disputed with them and still have received anything back from lexis nexus after disputing with them. The person whole stole my identity is all over a lot of my reports the bureau arent listening and need to be held accountable asap.

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 2022-07-01
Company: EQUIFAX, 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:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: Experian Information Solutions Inc.
State: AL
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: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX, I submitted a complaint on three credit bureaus reporting wrong information on my credit report. The companies responded that some information is accurate and took no actions on my credit report. I asked for a full investigation AND proof that the companies that are reporting negative items on my credit report by providing contracts signed by me with the companies that are reporting on my credit report. There was no proof provided, therefore I request that all the companies that are reporting negative items on my credit report that are in my original complaint be removed from my credit report. 

Companies XXXX XXXX XXXX XXXXXX/XX/XXXX - {$790.00} XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1200.00} XXXX XXXX XXXX XXXXXXXX XXXX - {$810.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$810.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$790.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1200.00} XXXXXXXX XXXX XXXXXXXX - XXXX XXXX - {$2400.00} XXXX XXXX XXXXXX/XX/XXXX - {$400.00} XXXX XXXX XXXX XX/XX/XXXX {$400.00} XXXX XXXX XXXX XX/XX/XXXX {$9800.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$5300.00} XXXX XXXX XXXX- XX/XX/XXXX - {$720.00}

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 2022-07-01
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:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove!

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 2022-07-01
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2022, I reported on my credit monitoring app that my Chrysler Capital Account increased by {$300.00}. On XX/XX/XXXX I called Chrysler Capital and spoke to a representative. I was told that my principal has not gone up. She wanted to ensure the report said Chrysler Capital and I reassured her that it did. I was transferred to XXXX by the previous representative. The XXXX representative did say there was a discrepancy and that she will have to report it to escalations and will call me back when she hears from escalations usually 48hrs. Since XX/XX/XXXX, I have not heard back from Chrysler Capital or any subsidies on this matter. I called Chrysler Capital back. I was transferred to XXXX  by a representative named XXXX. XXXX at XXXX explained that I made a payment on XX/XX/XXXX and again on XX/XX/XXXX and that interest is added. The XX/XX/XXXX payment was made early for the XX/XX/XXXX due date. I Called on before the XXXX due date to say I would be late and tried to make arrangements and was basically told to hit the road because nothing is due. I was able to make the payment on XX/XX/XXXX and this lending note never was ever 30 days behind. Upon discussion with XXXX at XXXX on XX/XX/XXXX, I found out the previous representative that I talked to with XXXX  did not send anything to escalations. I was also told that since I paid my car note early on XX/XX/XXXX and not until XX/XX/XXXX they charge 15.5 % interest each day on the note. I asked XXXX what is the point of paying the car loan payment early. She just assured me they will always charge interest between payments. I asked what the point of having a due date is then. Now I have my statements from XXXX and XXXX the principal did not increase on the statements either. I am submitting the XXXX Statement and my payments with the balance of this complaint to show that my account was never {$22000.00} with the interest they are claiming. They falsely reported to my credit bureau my balance. And under the fair credit reporting act, they have to be ACCURATE. Based on my balance sheet and statements the balance is not accurate. You can not send someone a statement with one amount and report a different one to the credit agencies. 
I am attaching the credit reporting balance, statement for XXXX and XXXX, and posted payments with my balance. NEVER did it hit {$22000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not mine.

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 2022-07-01
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
This is my 3rd complaint for the same issue. The Company 's responses have been inadequate. Stop closing my complaints just because the Company provided a response - INVESTIGATE. See XXXX and XXXX. I have been trying for months to get a statement from Nelnet. I have called multiple times and I have filed multiple complaints. I have not received a statement since XXXX. On the phone they told me that they were sending statements. In response to my first complaint, they said they " auto-enrolled '' me in paperless billing, but that they would change that back and send me paper statements. In response to my second complaint, they said they mailed it and it was returned because my address changed. MY ADDRESS DID NOT CHANGE. It is the same address on the Company 's response : XXXX XXXX XXXX, XXXX, Ohio XXXX. AND IT IS THE SAME ADDRESS WHERE I GET THE STATEMENTS ON MY OTHER STUDENT LOANS SERVICED BY NELNET. I have been trying for MONTHS to get a statement and it's always a different excuse. If they mailed it and it was returned, as they claimed, make them provide a copy of the returned envelope. I JUST WANT MY STATEMENTS! This is ridiculous. How many borrowers have delinquent payment on their records ( and may be denied forgiveness ) because this Company simply can not manage to send statements to them? Someone needs to take ACTION against NELNET!

Company response to consumer: Closed with explanation