BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: NY
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future 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 non-monetary relief
Consumer complaint received 2022-12-11
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA
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:
This problem began last year towards the end of XXXX. I saw my score drop almost XXXX points & knew something was wrong. Our mortgage company had falsely reported us missing a payment, so now I had an account in delinquency & for the first time ever : less than 100 % payment history. Immediately, we tried disputing this bc we knew it was incorrect. We got married last year, earlier in that same month, and we were actually ahead on our mortgage cause we paid more than we needed to that month or the month before ( just to be safe, since weddings can get expensive ). Neither the credit reporting agencies or our mortgage company have taken this error off my report since it happened, even though we have confirmed with our mortgage company that we didn't miss any payments & that our account is up to date. They've made this mistake multiple times since then, so much so, it now shows up as 3 missed/late payments. Since this happened last year, I've lost upwards of $ XXXX in credit card limits bc they would check my report, see the " delinquency '' and lower my limit, then my score would lower bc my utilization was higher ( due to the lower limit ) & when they'd check again routinely, they'd see lower score + " delinquency '' still & lower my limit AGAIN. I've been stuck in the financially debilitating cycle for over a year now & disputed time & time again thru XXXX XXXX with XXXX & XXXX no one will correct the errors. We have spoken to our mortgage company so many times now about this issue & I still can not understand why they won't correct their own error since our account is in good standing/we 're ahead on our loan/etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/XXXX, my wallet was stolen and unauthorized purchases were made through my best buy credit card. Somehow, the purchases were made through merchants other than best buy ( e.g., wayfair, apple store credits, and so on ). I only received a notification via text about a purchase after the credit card was maxed out, which was how I noticed my wallet was missing/stolen. I called fraud services and they told me they'd " dispute '' the charges, but I come to find out about a month later that they just gave me promotional credit that would eventually expire. Furthermore, without my knowledge, my credit limit was raised by XXXX dollars, so the thief was able to get a lot more out of my card than I can pay for. What's more is I only have access to the purchases I made through the best buy app ( since I thought my best buy credit card could only be used for best buy ), so I can't even see the charges that were made that are making my balance so high without calling " security '' services, who I had also called and told me the charges would be removed ( which weren't ). What infuriates me even more is that, today ( XX/XX/2022 ), I got a letter telling me I'm responsible for a charge because the address matched, evdn though it didn't ; because the email and billing name matched, even though the purchase was made by a name that was not on my card and it was done online, and it was sent to my neighbor 's address ( since my wallet was stolen from my car when I arrived at my house ) through a device nobody in my house even owns. I called best buy credit card fraud services and they tell that another fraudulent charge will be held against me ( and twoore are pending but clearly the result will be the same ). My balance before the theft was about XXXX, now it's about XXXX, and neither best buy nor citibank have done anything to help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-11
Company: Source Receivables Management LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Starting the middle of XXXX Source Receivables Management has been harassingly calling me trying to collect over {$300.00} on some XXXX  debt I am not familiar with. Before they started contacting me in XXXX I had filed a previous complaint about this company contacting me asking for someone else back in XXXX. Told them they had the wrong number but, they harassed me and forced me to file a previous complaint against them. Seems this could be retaliation by this company for my previous complaint against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: U.S. BANCORP
State: ME
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:
lack of statements, would not accept payment over phone, Do to usbank creating payment problem thur opening and closing account rapidly with XXXX  company

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-23
Company: Resurgent Capital Services L.P.
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: Investigation took more than 30 days

Complaint:
Filed complaint and fraud dispute sent verification documents requesting for debt to be verifiable with original contacts as well as case lawing showing how my rights are being violated with this false reporting and affecting my everyday life. Account has not been verified it has been over 90 days, this is the third time I have sent this request with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 trying to get my son a new vehicle because his broke down. My salesman told me that I would be eligible, but with a very high interest rate due to my credit. I then ask to see my report and realized there was things on there I have never seen. These items need to be removed as soon as possible.

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: Mr. Cooper Group Inc.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1. Due to local revaluation above lender recalculated my escrow payment component, increasing my total payment by {$240.00} to $ XXXX, effective with the payment due XX/XX/XXXX. I don't recall receiving the required notice by email but am not complaining on that basis. ____________ XXXX. Unaware of this, I automatically paid my historic balance a few days early. ( this was improperly applied to Additional Principal ) I received payment reminder calls saying my bill had not been paid. On XXXX I spoke with a phone representative and paid the missing {$240.00} and was told both would be applied to my monthly payment. 
____________ XXXX. Despite that payment being taken that day, it was not applied to my bill, and the online account reflected that I still needed to pay another {$240.00}, which I did alongside my regular payment. 
____________ XXXX. Due to the errors in Para. 2 and 3, a late fee of {$4.00} was incorrectly applied to my account. 
____________ XXXX I paid my XXXX bill a few days early in the updated, full amount, bringing my account more than current over the XXXX months since the monthly payment changed. Despite this, my bill reflected Incorrectly that I still owed over XXXX in past due bills. 
____________ XXXX. I spoke with an agent by chat on XX/XX/XXXX. They noted that payments would be applied to principal if made before the " due date '' of the first of the month unless they changed their system. They agreed to change my assignment defaults and recharacterize the old payments to correct the issue. However, that resolution was not processed on all of the payments as discussed ____________ XXXX. As of now, following the second customer service interaction to correctly characterize payments of the past 75 days, my XX/XX/XXXX payment is listed as Additional Principal, my XXXX payment is listed as " unapplied funds ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
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:
Transunion is reporting an incorrect coding of the XXXX XXXX - partial account number XXXX. ( Please see page 6 and 7 of the attached credit report. ) This account needs to be coded as an M1. It is showing that I am 30 days past due. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act.. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2022-08-01
Company: Experian Information Solutions Inc.
State: GA
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:
There was a bankruptcy which was appearing on credit report in error I notified XXXX XXXX and XXXX and Experian of this inaccurate info from a divorce Both XXXX XXXX and XXXX investigated and removed the error I have disputed and notified Experian numerous times in writing and online dispute with no assistance or desire top report information correctly. It is apparent that Experian is deliberately reporting inaccurate erroneous information for their own financial motivation which has kept me from obtaining the best interest rates that I am legal qualify through FCRA 15 U.S.C. 1681-1681x.

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 2022-09-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I received a text message that there was an attempt for a transaction. Message was as follows : " USAA Fraud DepXXXX : Did you attempt a transaction with XXXX on XX/XX/2022 for {$530.00} yes, reply 1, No, reply 2. Reply STOP to opt out. HELP:XXXX  ( XXXX ) XXXX '' I replied 2 and immediately received a call that was from my banks 800 number. The lady asked for me and I replied that I was the person she named. Then asked if I authorized a payment, I said no. She then proceeded to assist with stopping the payment, she told me that my card was not deactivated and said my new card would be sent to my address ( which she knew ). I asked what card and she replied with the last 4 of my card number. She then asked for my phone code and I gave her a number that I don't think is my phone code. She also asked for my USAA number which I stupidly gave her because I was in a panic. After realizing what I had done, I called my bank and reported, they flagged my account and assisted with my security preferences.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: SYNCHRONY FINANCIAL
State: GA
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 did not receive last month 's statement via XXXX. I received an email stating on Monday ( XX/XX/2022 ) that I had missed a payment. I always pay the full amount by the due date every month. I have been erroneously charged a late fee of {$29.00} and interest charges of {$25.00}. My son called this morning to speak to a customer service rep ( CSR ) XXXX about this irregularity and potential fraud to customers by Synchrony Bank mastercard account. I monitored the call via the speaker phone and the call was recorded by Synchrony. The CSR stated that someone over the past 30 days had changed the account to receive an electronic copy of the credit card monthly statement. This is a complete lie. She stated she would correct the account to again receive a hardcopy statement. Yesterday ( XX/XX/2022 ), I received my hardcopy via XXXX from Synchrony showing the late fee and interest charge. Meanwhile, my son paid the current statement bill, including late fee of {$29.00} and interest charge of {$25.00}, per the instructions from the CSR to avoid any further late fees and interest charges via a debit from checking account via the Synchrony online website while still on the phone with the CSR. We confirmed with the CSR that the payment was received on the phone and via an online confirmation number. However, my son informed the CSR that this action by Synchrony appeared to be FRAUD AGAINST CUSTOMERS. I am notifying the CFPB to take action against Synchrony for potential fraudulent activity against credit card customers.

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 2018-10-07
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
Experian.com leads you to believe they have a basic service that has no fees. I was hit with a fee, {$21.00}, and canceled the membership online in early XX/XX/2018. Experian pulled another month 's fee in XX/XX/2018 and I've been unable to connect with customer support to reverse this second fee. The website directs you to an automated service that does not allow you to question the fee or file a complaint directly with the service. 

My member number is XXXX And the transaction appears below in my statement. 

XX/XX/2018 Experian* Credit Report {$21.00} SUBSCRIPTIONS & MEMBERSHIPS Post Date : XX/XX/2018 Transaction Date : XX/XX/2018 City/St : XXXX, CA Zip : XXXX Country Code : US Category : Subscriptions & Memberships Transaction Code : 05 Reason Code : 00 Transaction Type : Purchase Original Amount : {$21.00} Original Currency : USD XXXX XXXX XXXX XXXX Description :  Continuity/Subscription Merchants Merchant ID : XXXX Originating 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 2022-09-28
Company: Experian Information Solutions Inc.
State: MS
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 homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28
Company: Experian Information Solutions Inc.
State: NM
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, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$390.00} Highest Balance {$390.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status Open Type Derogatory Responsibility Individual Remarks Dispute resolved ; customer disagrees Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX ( XXXX mos ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXXXXXX XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX ( XXXX mos ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status Open Type Derogatory Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX Monthly payment {$30.00} Opened XXXX XXXX, XXXX ( XXXX mos ) Account Details Account status Closed Type Credit Card Responsibility Individual Account. 
Remarks Account closed by XXXX XXXX XXXX XX/XX/XXXX days late XXXX Closed XXXX XXXX, XXXX  Monthly payment {$220.00} Opened XXXX. XXXX, XXXX ( XXXX mos ) Term No Info Account status Open Type Line of Credit Responsibility Individual Account. 
XXXX XXXX XXXX XXXX XX/XX/XXXX days late 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 2022-06-09
Company: JPMORGAN CHASE & CO.
State: OK
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:
In XX/XX/XXXX my husband and I both had fraud charges on our account. I called in talked to young woman about these charges. She supposedly ordered m a new debit card which never received and she also left my husband 's debit card. The bank never sent us new cards. The young woman hung up on me. In XXXX we had unauthorized charges from XXXX XXXX. I contacted the company they refunded our money. So I thought everything was fine. No more charges like XXXX of them with no letting me know that they were happening. Chase bank has fraud alert that XXXX I found out about the beginning charges. We had received our tax refund and some money from selling a house so the money kept coming out without getting to a low balance notice on XX/XX/XXXX. Finally a notice from the bank. We were waiting for our cards they to us they mailed never received cards. So for 6 months we have had just one debit between the two of us. They have denied all the XXXX XXXX charges because it was the same card from XXXX in which were the charges I told them about. The bank never disputed this charges until XX/XX/XXXX. The problem since the bank never sent me a card and never issued a new one in his name. How can a bank deny unauthorized charges because it was the same debit card when the bank failed to issue a new card when I reported unauthorized charges. The bank policy is to issue a new card.

Company response to consumer: Closed with monetary relief