BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 the accordance with the fair credit reporting act XXXX XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1581 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 2020-08-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX  and Experian are fraudulent on my credit accounts XXXX XXXXXXXX XXXX XXXXXXXX is fraudulent on my Acct # XXXX. 
XXXX XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX is fraudulent on my Acct # 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 2022-12-22
Company: Rent Recovery Solutions
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:
I have No IDEA who rent recovery solutions are... Any contracts I have with XXXX XXXX, does NOT substitute or add substance to any reports you are trying to make ... XXXX XXXX XXXX XXXX XXXX, Is the ONLY company I have a contract with... 

Request for admissions XXXX. There is a contract between XXXX XXXX and Rent Recovery solutions? Admit or deny. 
XXXX. XXXX XXXX gave permission pursuant to 15 USC 1692c ( d ) to act as a third party debt collector to use a credit agency to collect debt? Admit or deny Without a contract between Rent Recovery Solutions and XXXX XXXX or a Contract that states verbatim that " If due to default or any other transgressions Rent recovery Solutions is authorized to collect the debt on behalf of XXXX '' YOU are violating my consumer rights purusant to 15 USC 1692k, and damages are very present here... 

If this is not removed In 15 days. I will take action to the Federal Court, pursuant to 42 USC 1983 DEPRIVATION OF RIGHTS, I have the right to be left alone and I have the right to enjoy my happiness, you are causing personal damages. And pursuant to Title 15 USC 1896k there is a fine of {$1000.00}. If you have proof of the following admission please send.. if not please make checks payable to

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
State: DE
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 the accordance with the fair credit reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1581 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 2019-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UNITED STATES MINOR OUTLYING ISLANDS
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:
I have an account with Capital one Bank. There was {$340.00} in the account that I didn't touch for more than 3 years. When I check my account online on XX/XX/2019. I saw that I was charged {$180.00} by a company called " XXXX '' which I never heard of before. I was also charged {$44.00} for service fee by Capital one bank. I called Capital one bank 's customer service to dispute all the unauthorized charges, he said " We deposited a temporary credit ( s ) totaling {$180.00} into your account today, which are available for immediate use while we're looking into this. We're also adjusting your account ( s ) for any related interest, finance charges and/or fees within one business day. '' on the phone and in the E-mail, but Capital one bank never give me the related finance charges fee back which is {$44.00}, in stead, they charged me another {$8.00} on XX/XX/XXXX. I called them 2 times after the first conversation I had with them. They switch me to 5 or 6 different people for the same issue with no answer still. I asked them 2 simple questions, if I can get my money back for the service charge? was it my fault the minimum balance was under {$300.00} limit when someone stole money from my account without my knowledge? none of them answered my question. they kept telling me I didn't keep my account with minimum balance, the bank has to charge me service fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a 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
Consumer complaint received 2022-07-25
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: Account information incorrect

Complaint:
I have reviewed my credit file Experian is reporting late payments on my account for XXXX  account no : XXXX. The below dates are dates with incorrect reported late payments, my account is on good standing however Experian and XXXX are reporting incorrectly which is affecting my ability to fair credit. This violates numerous consumer laws under the Fair Credit Reporting Act. I have repeatedly attempted to have this corrected with Experian and XXXX. I am requesting to have these the following updated to paid as agreed and have late payment removed. 


Experian is reporting the following inaccurate status : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX, XXXX, XXXX, XXXX XXXX is reporting the following inaccurate status : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have complained about the banks fine for overdraft but I havent refunded it after months. I am very disappointed.The bank charged the Insufficient funds fee {$34.00} for {$21.00} overdraft..on XX/XX/2020.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-04
Company: The Receivable Management Services LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from XXXX XXXX in XXXX, Ohio saying I owed XXXX XXXX XXXX XXXX. 
I do have XXXX as my electric provider and am usually a little behind on my bill but it is always paid, never disconnected and I pay first energy directly. In addition, the amount of XXXX makes no sense.

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 2022-07-26
Company: Experian Information Solutions Inc.
State: PA
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$0.00}

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 explanation
Consumer complaint received 2021-09-06
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I basically did all the homework on this and figured it all out. Mr. Cooper pocketed {$320.00} in overage after my principle was paid off. I refinanced my house in XXXX with a settlement date of XX/XX/XXXX I discovered it while closing out my accounting books for XXXX using double entry method. I use double entry accounting method under XXXX  open source software. The strange thing is that the only way I was able to catch is because the losing lender pocketed {$320.00} in overage that they never gave back to me from the software categorizing monies in and monies out. At any rate, the summary is below. 

MR. COOPER UNPAID BALANCE GOING INTO SETTLEMENT $ XXXX XXXX ) was the principle left to pay going into the settlement. 

{$510.00} was my additional payment of principle on XX/XX/XXXX. 

$ ( XXXX ) was the final adjusted principle left to pay going into the settlement $ ( XXXX ) was the Reconveyance Fee going into the settlement $ ( XXXX ) was the County Recording Fee going into the settlement $ ( XXXX ) was the Expedited Delivery Fee going into the settlement $ ( XXXX ) Is the total Unpaid Balance ( UPB ) going into the settlement ( sum of the above ). XXXX XXXX SETTLEMENT ACTIVITY {$260000.00} was sent to MR. COOPER by XXXX XXXX $ ( XXXX ) was the new loan amount at XXXX XXXX $ ( XXXX ) is the difference between what was sent and the new loan amount. 

ALL DISBURSALS BY MR. COOPER XXXX WHETHER COMPLETE/INCOMPLETE ) $ ( XXXX ) Is the total Unpaid Balance going into the settlement ( sum of the above ). 

{$260000.00} was sent to MR. COOPER by XXXX XXXX {$1500.00} Overage $ ( XXXX ) Mr. Cooper disbursed this amount to me as a result of overage {$320.00} Is the amount of overage that MR COOPER failed to pay out to me, which I am recovering.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent dispute letter to XXXX credit bureau to dispute inaccurate information on my credit report according to the The Fair Credit Reporting Act all information must be XXXX percent accurate across all bureau XXXX XXXX  ( XXXX Transunion ) XXXX XXXX  XXXX ( Transunion XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) these are some of the item like these that need to be removed

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 2020-07-30
Company: TD BANK US HOLDING COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
RE : Target Card Services Mail Stop XXXX XXXX  XXXX XXXX XXXX, MN XXXX I had a credit card through Target Card Services for several years. During the past year, the company has repeatedly either failed to send my billing statements on time, or has failed to send them at all. This lead to me having to make last-minute payments online more than once, simply because I had not received a bill. 

Last month, I canceled the account due to these ongoing billing problems. I paid the account off in full in the amount of {$58.00} via an online payment. Please note : I did not submit the payment to my bank. Target Card Services did. They submitted the payment incorrectly, and told me the payment had been " returned '' because my bank account could not be found. 

I submitted the payment again without updating any information. as all information was correct. They submitted the payment again, and the payment went through. 

I had to DEMAND that the account be canceled over the protests of some customer services person who tried to talk me out of it. I thought I was done with their errors. 

This morning, I received an email notice that they have billed me for a fee of some kind due to their own error in submitting my payment to my bank. While it ; s only a dollar, I see no reason I should have to pay them XXXX red cent for their own inability to submit the payment request correctly. 

Upon receipt of this notice, I contacted Target Card Services customer services at XXXX immediately, and was told they do not have the ability to remove the charge. 

I believe this charge is a scam, and that they have no right to charge me for their own errors.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-15
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
On XX/XX/21in preparation to pay payment due for XX/XX/XXXX, I noticed my minimum balance was higher than normal. I send a secure message as I normally due asking for a breakdown or reason for the higher charge. I was directed to call customer service to discuss my account. Today,XX/XX/21- I contacted customer service XXXX to ask for a minimum balance breakdown. Stated my concern because I normally owe minimally {$32.00}. I spoke with a customer service representative who viewed my account and stated the amount was higher due to a Late fee assessed on the account of {$39.00}. I explained that I made a payment of {$75.00} that covered the late fee charged. She saw on my account the payment and went on to say that I still owe the {$66.00} minimum balance fee. I asked why because its not making sense to me. She said its that much because they have added interest that raises the minimum payment. I still did not understand because normally I've seen the interest payment assessed and still my minimum balance due was around {$32.00}. When I challenge her response she hung the phone up on me. This is unacceptable practices from the same credit card company. I was first told it was the late fee charge and then was told it was due to something else. So I'm not charged interest twice. Once that is added before my new statement is due {$18.00} and then another {$23.00}, for what? This is what's been explained to me. I understand interest being put on the unpaid balance. Doesn't the interest increase the balance? I feel like I'm being bullied into paying way more. What are the rules for when the account is closed? The will be not additional charges made to this account. Because the account is closed Citbank has the right to double charge me in interest and attach it to my minimum balance rather than the total of the outstanding balance? I'm confused and when I keep asking just so it makes sense to me and I can ensure I pay if nothing else the minimal ( only due to times are hard due to Covid-19 ) I get hung up on. Can not get a straight answer to what my minimum balance should be, I don't get a straight answer. I understand Citibank wants to be paid their money. I also ensure I pay, but I believe this treatment is not company policy and/or procedure. So, no matter how much the bill is my minimum will increase each month because of two interest fees? Something is not right and I need better explanation to what is happening with this account whether closed an/or opened.

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 2020-07-30
Company: Experian Information Solutions Inc.
State: AR
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:
I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. XXXX XXXX  XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$480.00} XXXX XXXX   XXXX XXXX {$560.00} XXXX XXXX XXXX {$620.00}

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 explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
On XXXX XX/XX/2023 I called my mortgage companys, Mr . Cooper, escrow department to close my escrow account. My escrow account was sitting at XXXXXXXX XXXX when I called. My account was assessed to find out if I qualified for closure of said account and I was preapproved ( pre approval number XXXX ). I made a my regular monthly mortgage payment on XXXX XX/XX/2023 which should have put my escrow balance at XXXX XXXX On XXXX XX/XX/2023 there are multiple transactions on my account that put my account in the negative XXXX XXXX I tried message chat and the companys ticket system to fix the issue but was still denied my account closure. I called an agent today, XXXX XX/XX/2023, to try to fix the issue but that phone call ended up going nowhere. 

I switched over insurance companies to a lesser, more affordable company on XXXX XX/XX/2023. I requested an escrow analysis before I deposited then transferred my returned insurance payment. The escrow analysis was performed XXXX XX/XX/2023, I was told I had too much money in my escrow account and would be receiving a refund. Since my bank rejected the direct deposit from my checking account I was never issued a check from Mr. Cooper. My escrow account is being tampered with yet no one at the company has done a thorough investigation into these happenings and Im still in the negative with a denial for closure. 

I had no issues with Mr. Cooper until as of late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions 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:
XXXX 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 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