BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-21
Company: City First Mortgage Services, LLC.
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 was speaking to a loan officer from City First Mortgage Services , LLC about applying for a conventional loan for a duplex. I asked him all questions over the phone prior to starting application with him. He stated false information of interest rates for duplex and gave information on single family homes. Which I learned from him after he completed the form himself and then ran my credit score and sent me information regarding nonpayment of 25 % for duplex which he failed to mention when I asked him for the range of down payment required by the company for a duplex. I have emailed with him regarding the situation. He stated he would try to correct this mistake and requested an approval from cooperate to allow him to provide me with a letter of deletion so I may send it to the credit bureau. They declined and they stated they do not have a form that they can present that would qualify as a deletion letter. I have this all documented in an several emails we have exchanged. The credit bureau stated to file a complaint with FTC and their website redirected me here. Can you please assist with removing this from my credit report as I was given inaccurate information and credit score was run under false pretense. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
ERROR CODE BLNK THAT NEEDS TOO BE FIXED BECAUSE I DONT SEE MY CREDIT REPORT PLEASE REMOVE ERROR CODE BLNK

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 2022-12-06
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-01-15
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Precursor : I am a XXXX XXXX perfect payer ( for over 25 years ). 

I opened a Marriott XXXX, " Chase '', rewards card with a promotional 150,000 Marriot points awarded for spending {$3000.00} during the first three billing cycles. I met this purchase minimum. Chase ( phone XXXX XXXX XXXX ) broke the terms of the agreement and instead awarded me 50K x 3 vouchers that expire in 2022. THAT IS NOT WHAT I SIGNED UP FOR. The 150,000 points, based on my usage, would not have expired. The 50K x 3 vouchers I was awarded expire. I called Chase twice and have only received two things 1. A form letter with no detail ; and 2. Service representative who was unable to do anything. Please seek to rectify this problem with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: FIRST NATIONAL BANK OF OMAHA
State: KS
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 applied for a credit card with First National Bank of Omaha on XX/XX/2022. I was sent a denial letter stating Our records indicate that you have recently applied for an additional credit card account with our bank. The denial letter reason does not pertain to the information contained within my credit reports. Therefore, a credit report inquiry was not warranted.

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 2021-09-05
Company: I.C. System, 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: Information belongs to someone else

Complaint:
Hello, I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature. I am a victim of identity thief and these are all the unauthorized items on my report once I noticed I got attacked in this horrible way. I am now requesting for the 4-5th time to get these items removed because its messing up my creditability and future relationships with creditors. I filed a police report that I sent to you, the other 2 credit bureaus and each creditor in the last 2 weeks. Please update me with the new credit report once my profile is update. 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 2022-12-28
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: Problem getting your free annual credit report

Complaint:
Denied access to my consumer report after submitting notice of consumer violations by TRANSUNION.

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 2022-04-21
Company: EQUIFAX, INC.
State: NJ
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:
rerpoting incorrect information 15 U.S.C 1681 SECTION 604 A SECTION 2 FAIR REPORTING ACT XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XXXX I do not recognize these inquiries on my credit report and did not authorize them to my knowledge. I have reached out to companies regarding these inquiries and have not received any responses on multiple dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hi there - I have a Best Buy credit card and have made two purchases selecting no interest for 12 months. Whilst paying off my first purchase, I was in the middle of moving and switching banks and my payment went from the wrong account. They graciously waived the late fee ; however, a random {$2.00} fee for " Minimum charge '' appeared on my account.

When I messaged to ask them what it was for, this was the response I received : " The terms of your account explain that there is a minimum periodic interest charge of {$2.00} for each billing cycle in which your balance has not been paid in full. '' It seems ridiculous. I don't expect the CFPB to intervene in this instance, but wondering if Best Buy has a pattern of " minimum periodic interest '' charges? Seems like XXXX to me. 

Thanks for your hard work! 
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 2019-03-05
Company: Paramount Recovery Systems, L.P.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There is no way that I owe XXXX XXXX XXXX XXXX XXXX {$650.00}. I have insurance and have been there so many times and they have never mentioned that I owe money. I have tried to dispute this debt so many times and they have yet to verify and validate that it is owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
rerpoting incorrect information 15 U.S.C 1681 SECTION 604 A SECTION 2 FAIR REPORTING ACT XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX I do not recognize these inquiries on my credit report and did not authorize them to my knowledge. I have reached out to companies regarding these inquiries and have not received any responses on multiple dates.

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 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 are multiple inquiries on my account that were made. Ive asked them to removed inquires because I didnt make those inquires. my account has identity theft on and my account is also frozen. 

Ive called all these companies about the inquiries. Ive called on XXXX TransUnion XXXX Nothing was deleted from all of the company accounts. 
Inquires were dated on TransUnion XXXX. XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX Ive asked them to delete address XXXX XXXX XXXX XXXX XXXX XXXX Nv XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.

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 2021-05-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Summary- Loan Officer appears trying to pocket {$1700.00} now unresponsive when asked to justify extra charges. On XX/XX/2021 I initiated a loan approval process through Citizens Bank, specifically XXXX XXXX, Loan Officer|NMLS # XXXX. He eventually transferred my case to XXXX XXXX Loan Officer| XXXX # XXXX who initiated my loan process. 

XXXX XXXX XXXX XXXX XXXX XXXX Citizens XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Office ( XXXX ) XXXX I spoke with XXXX regarding XXXX timing and he ensured me no rush was needed to process and cost would be under {$750.00} since they were working under a new system to get them done efficiently. On XX/XX/XXXX, XXXX confirmed the appraisal was ordered after taking my credit card information to pay for it that day. On XX/XX/XXXX, our Loan Estimate listed an appraisal fee of {$540.00}. On XX/XX/XXXX, the the appraisal was paid for at {$540.00} as posted to my credit card. On XX/XX/XXXX our Closing Documents correctly listed the Appraisal as prepaid and {$540.00} for a scheduled closing on XX/XX/XXXX. There was an unrelated delay in closing that required the closing paperwork redone. On XX/XX/XXXX I received the new Closing Documents from the lender who listed an additional charge for the appraisal of {$1700.00}. This would make the total appraisal cost {$2200.00} since the appraisal was already charged to my card previously. When I contacted XXXX XXXX to justify this change I was told he " did not need to justify anything to me ''. I asked him to send me the appraisal fee documentation and again said he did not need to do anything at this point. On the contrary, he proceeded to tell me that because he found me " difficult and unprofessional '' early on, that " he does not forget and can make people 's process difficult ''. He told me they would credit it and then recanted that statement as well later. He told me he didn't need me as a client and that I could take it or leave it at this point and it would be my loss. He " has other clients and doesn't matter to him if I close the loan through him or not ''. He went as far as to state that my closing costs turned out less than my cash back at closing so he " could make me lose these funds either way, so why does that matter ''. He claimed to be " acting in my interest to balance things out on the Closing Document so we could proceed with closing ''. XXXX was on speaker phone and the full exchange was witnessed by my wife. It is very evident to me what the lender is trying to do here and consider it fraudulent. He reiterated at the end that " he doesn't care if I close at this point and can take it or leave it ''. I have notified the closing attorney, realtor and other parties involved of this. We were scheduled to close XX/XX/XXXX and need assistance getting this resolved. Lender Loan Officer got caught in their activity, is using pressure to force closing and is not responsive at this time

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: EQUIFAX, INC.
State: FL
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:
Equifax is showing a balance of {$350.00} reporting to my credit report it should be {$190.00} with 3 missed payments it is not the same with the other credit bureau under the federal trade commission all three must be reporting accuracy on all three an according to 15 USC 1666b A creditor can not treat a payment on a credit account under an open end consumer credit plan as late for any purpose as well you are in violation of 15 USC 1681 Section 602 that states I have the rights to privacy in which you have not been practicing. you did not get my written consent to furnish late payments nor this account on my consumer credit which make you in violation of 1681 Section 604a.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2021-05-28
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX is missing from our payments. We have asked for the statements and they refuse to give them to us. We have ALLLLLLL the proof you need. We have sent certified letters, emails, and a dozen of phone calls. They will not respond. 14 years of statements all of a sudden come up missing. They stole XXXX from our payments over 14 years. 

Their attorney a month ago said he would send the missing statements. They never sent anything. I emailed them 9 times and no response. If I try to call them it just goes to voicemail. I have left about 10 messages so far and no return call. It is pathetic. They need to be closed the f down or be in jail. I will send all the proof you need from bank accounts, emails, and phone records. We are sick of them and their greed. 
I want the deed to our home or the right to sue them. 

We are beyond XXXX off. They illegally charged us XXXX dollars to make payments when it was XXXX. They refuse to respond to us. 

We have paid in advance over XXXX. We are not behind but I did not know what to check on the complaint. We need help with them stealing from us. I promise you they are thieves. I want the deed asap or I am going to sue the sh -- of them. Thou shall not steal!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
My identity has been seriously compromised and left me with fraudulent accounts on my credit files in which is now in ligation. I'm demanding that these accounts be removed from my credit files. 

1 ) XXXX {$2800.00} 2 ) XXXX XXXX {$1700.00} 3 ) XXXX {$620.00} 4 ) 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 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
With full faith and credit, I kindly request that the CFPB conduct an impartial review of this matter and engage in discussions with XXXX, XXXX, & Transunion to encourage a fair resolution. My objective is to have the inaccurate late payment entry removed from my credit report, thereby rectifying the unjust impact it has had on my creditworthiness. 

I appreciate the efforts of the CFPB in ensuring that consumers ' rights are protected and that credit reporting agencies uphold their responsibilities. I believe that with your intervention, this matter can be resolved in a manner that is fair, just, and compliant with the FCRA. 

Please provide me with confirmation of receipt of this statement and any updates on the progress of the mediation. I am available to provide additional information or answer any questions that may arise during the mediation process. 

Thank you for your attention to this matter. I look forward to a positive resolution with the assistance of the Consumer Financial Protection Bureau.

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