BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-05
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
Old Navy debited my bank account twice for one payment ... i have no idea how the first transaction happened as it was several days before i actually made the payment ... fortunately the money was available! I called and they do not offer a credit immediately but will send a check within 10 days! It is not my fault they took my money twice ... .i want an immediate credit to my bank account. Customer service rep said they do not have the ability to credit a bank account for their mistake ... only a check or store credit. I think a huge company such as old navy should have that ability.

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 2021-01-05
Company: Experian Information Solutions Inc.
State: LA
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've sent disputes last XXXX2020 regarding to those inaccurate and unknow accounts on my credit report. but until today I haven't received any response. I'm a victim of XXXX  Data breach. I want all those account will REMOVE on my credit report ASAP or I will file a litigation.

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 2022-03-22
Company: National Credit Adjusters, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: CBC Companies, 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: Was not notified of investigation status or results

Complaint:
Sent letter via Certified Mail to : Innovis XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX in order to dispute several incorrect entries on my credit report. No response has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
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 are not my accounts, and this Bankruptcy isn'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 2022-10-11
Company: EQUIFAX, 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. This letter is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my previous letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Experian Information Solutions 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. This letter is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my previous letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: U.S. BANCORP
State: CA
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:
I have a credit card account with USBank due on XX/XX/XXXX, On the due date I paid the account online ( see attached confirmation of the payment ) but USBank posted the payment the following day XX/XX/XXXX and accessed a {$29.00} late fee which I thought was outrageous, I send an email on XX/XX/XXXX and ask why I got accessed a late fee where I paid the account on the due date, I was told the payment was late I called the customer service again the following day asking for an explanation and I was told that the reason I was late is because the payment was made on XX/XX/XXXX at XXXX XXXX and the cut off time is XXXX CST. This is so unfair and unacceptable, If the due date is XX/XX/XXXX, the payment should be good up to XXXX XXXX. I have requested for a refund but USBank refused. This practice is outrageous, unacceptable and unfair This late payment will be reported to the credit reporting agency and will affect my credit, this payment was not late

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 2021-01-05
Company: CITIBANK, N.A.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, CITI CARDS CBNA add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Chexsystems provided false information on a credit report to XXXX bank who denied opening a bank account. The information concerning XXXX was part of a bankruptcy and not a charge off.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: CITIBANK, N.A.
State: SC
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
This is in regard to a XXXXBestBuy Credit Card handled by Citibank. My wife and I both have a XXXXBestBuy card. On XXXX of 2016 we mistakenly made a payment on HER account instead of MINE. This resulted in a 30 day late on my credit report. This would not ordinarily be a big issue but we were right in the middle of closing on a new house. I called them, explained the situation and they could clearly see we actually MADE the payment but to the wrong account. They adjusted the late fees and credited the correct account but my loan officer and underwriter needed a letter from them saying the payment was made to the wrong account or that the payment was n't really late. They absolutely would NOT give me a letter saying anything close to that. Every fax the sent me took either 3 hours or 72 hours because it had to go through the legal department. When they did finally promise to send a letter that would work, we had the seller, closing attorney, realestate agents and everybody waiting for them to send the letter. After 4 days of waiting, I called back and guess what? The letter does n't even exist so they never sent anything. 

I am a XXXX XXXX and have been buying from BestBuy for me and my family for years. It used to be my favorite store and I have spent thousands there but if they ca n't help a longtime customer not lose his dream house over a simple mistake then that tells me they do n't give a XXXX about us as people. They want us to spend our money and shut up and if they do something to ruin our lives they do n't care. My rental was spoken for when this happened and no I ca n't close on my house. We do n't have enough money to stay in a hotel for long so unless a miracle happens my wife, kids and me will be sleeping in our car all because BestBuy and CitiCard will not give me a simple XXXX letter!!!!!

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 2021-01-05
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I entered an agreement to pay XXXX monthly towards my debt until XX/XX/XXXX.

On XX/XX/XXXX the agreement expired and would need to be re-negotiated. Because of personal heath issues ( my husband had a work injury / my son had XXXX ), I didn't not remember to contact the collection company NOR did they try and contact me by phone or mail until XX/XX/2021 when they reported to the credit bureaus. 
When I learned of this issue I immediately called the collection to remedy the situation - work out a payment plan and have account removed from my credit. The only way they would remove it is if I submitted payment. My debt is XXXX and will address the payment accordingly. 
my issue is that Astro Recovery didn't try to contact me prior to sending my account to credit reporting agency and given my husband illness / my sons illness and my work, it was not in mind. Had this company done there job, I would have reached a solution prior to reporting the account to credit bureaus. 
Please note that Ad Astro Recovery has a history of not contacting the affected at least in my case - i was the one trying to reach them. Since i didnt want this to be submitted to credit bureaus.

this action caused by credit score to drop by 75 points and can potentially affect my future employment.

i would like this company to remove the account from the credit reporting in lieu of a reasonable payment agreement. Ad Astro Rec would only agree to remove from credit of payment in full for an agreed amount. best settlement given was XXXX and 3mths to pay. I consider this to be super unreasonable considering the current personal situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have moved and lived at my current address since XXXX XX/XX/2021 so I could show my creditworthiness to secure either a business loan or a 1st time home owner loan, yet all three credit reporting agencies think I'm still at the previous address. I have reached out to all three of them either by telephone or mail as they requested. I'm really upset right now because I'm entering my XXXX month and trying to successfully get a home of my own at the least and my current score is too low to secure the funding I deserve to achieve it. In my opinion, I should have at least XXXX more points from my current score, especially when my student loans are current.

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 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have moved and lived at my current address since XXXX XX/XX/2021 so I could show my creditworthiness to secure either a business loan or a 1st time home owner loan, yet all three credit reporting agencies think I'm still at the previous address. I have reached out to all three of them either by telephone or mail as they requested. I'm really upset right now because I'm entering my 10th month and trying to successfully get a home of my own at the least and my current score is too low to secure the funding I deserve to achieve it. In my opinion, I should have at least XXXX more points from my current score, especially when my student loans are current.

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 2022-03-22
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
My reverse mortgage was recently bought. PHH is the new company. Apparently, the Loan # which is at the top of the most paper communication I receive is incorrect as well as the last 4 digits of my social security number.

For the above reasons, I can not get connected with PPH.

I was able to email them with this problem a week ago and have received notice they had received my complaint, however, I have not received anything back.

Tried calling but after being placed on hold for 15 minutes, ai was disconnected. I tried yet again with the same results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: Servis One, Inc., Titusville, PA Branch
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have recently been informed that the investor/owner of our mortgage ( investor ) made the decision to apply the amount we have overpaid to our principal balance instead of refunding it as our escrow account surplus. It was told to us that the investor has the right to do whatever they wish with the money that was paid to XXXX XXXX XXXX ( XXXX ) during our mortgage modification trial plan ( modification trial ). Upon review of the paperwork supplied with our modification trial we discovered that the amounts paid ( approximately {$10000.00} total ) were actually required to be applied to the oldest owed mortgage payments but the money was not. Nowhere in our paperwork does it indicate the investor has the right to do anything except apply it to the oldest owed mortgage payments. Instead the money was applied to our escrow account by the investor when we did not move forward with the final mortgage modification. As the money was in our escrow account at the time we became current on our mortgage we are owed that money as an escrow surplus. In a XX/XX/2018 telephone conversation we were assured by the investors representative that we would be paid any escrow account surplus at the time we became current on our mortgage, which happened XX/XX/2018. We made financial decisions based on that representation and the escrow analysis letter we received. Or conversely if the payments had been applied to our oldest owed mortgage payment we would have not had to pay nearly {$10000.00} additional funds to bring our mortgage current placing a serious financial burden on us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Westlake Services, LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

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 2015-06-11
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have called in weekly since XXXX/XXXX/2015, ... .... and each time I was told the file was in underwriting. I recently called on XXXX and was told the file was not in underwriting and has not been the entire time. I spoke to a manager XXXX XXXX ID XXXX ) who could not give me an explanation of what happened. I plan to resubmit a whole new packet as the original will likely be outdated. Please see that this new packet goes properly into underwriting and that the representatives are not falsely stating a packet is in underwriting when it is not. Thank you for your time and consideration in this very serious manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Experian Information Solutions Inc.
State: MD
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:
On XX/XX/22 I visited the XXXX XXXX XXXX with the intention to lease a new XXXX. I consented to have my credit report pulled once. The dealership proceeded to pull my credit twice. When I noticed this I confronted a manager ( XXXX XXXX ). I explained that I didn't understand nor consent to two credit inquiries. XXXX proceeded to tell me that this is their usual practice, the dealership submits a hard inquiry and the bank also does the same. I have never heard of nor experienced this before and I have leased several cars over the years. I believe this practice is unethical and should not be permitted. If my credit report is going to be pulled multiple times, I should be informed and also consent to it. Hard inquiries impact credit scores, this is not okay. XXXX, in particular, this dealership has some gender-biased, unethical methods that should be investigated. Salespersons lie about pricing and at the last moment try to increase numbers. Overall not sure what can be done to remedy my situation, but if an investigation can help other consumers avoid experiencing the same unsavory methods, that is good enough for me. Until then consumers should beware of this dealership.

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 2015-11-05
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Delinquent account

Complaint:
I disputed the information that Macys is reporting on my credit file, they have that I made payments to them up to though the XX/XX/XXXX year. I stop making payment to them on XXXX XXXX, XXXX because I was not working for a number of years. I contacted Macys and it was stated to me that the account had reached its statue of limitation therefore it was deemed uncollectable. I disputed the information to macys prior to my conversation with them and never heard back. I sent the same statements to the credit bureaus and mays did not change the reporting, I attempted several times. My final payments is XXXX XXXX, XXXX therefore the account should have been considered delinquent as of XXXX XXXX therefore my seven year reporting period should end in XXXX XXXX. XXXX have my seven year reporting period ending in XXXX of XXXX. I have the supporting documents for this. Also keeping in mind this is an individual account and no one else had authority over this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: CITIBANK, N.A.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I am a co-signer on my daughter 's private Student Loans with Citibank. I recently found out when applying for a loan that my daughter has defaulted on her obligation to the loan due to high monthly payments. The loan has apparently been marked as Charged Off and it has severely affected my credit. I never received anything in writing from the lender indicating the default, the balance owed, the late payments, or asking me to pay, etc. I was never given the opportunity to satisfy the debt. The loan is many years old and I had no idea that my daughter was struggling with maker her payments. I think it should be mandatory that creditors provide the defaulted account information in writing to the co-signer to give them a chance to rectify. It seems like a very unfair process.

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