BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-06
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: Their investigation did not fix an error on your report

Complaint:
I have 2 accounts on my credit report that are damaging my credit profile. These accounts being : XXXX ) XXXX XXXX XXXX, Acc # XXXX XXXX ) XXXX XXXX XXXX Acc # XXXX I have the credit bureau multiple times to show me some type of written signature as proof of me owing this debt and they refuse to do so. Therefore making the accounts listed above unverifiable and inaccurate. Reporting such information is a violation of my rights according to the FCRA.

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 2022-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX XXXX later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report. It has been over XXXX XXXX so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data 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 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 called your department after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFF accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this, on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove these charge offs, from my personal profile. A copy of my Bank statement, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXXXXXX XXXX  XXXX. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Bank statement, drivers License, and my Social Security Number as verification of my ONLY address.

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 2021-08-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXXXXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I received a letter from my mortgage holder, Nationstar Mortgage, dated XXXX XXXX, 2015. The letter stated that Nationstar had received my application for a deed-in-lieu of foreclosure and requested supporting documentation. The letter also stated that " The evaluation period for a deed-in-lieu of foreclosure has now begun '', but did not state when the evaluation period began or when the period expired. I contacted Nationstar via the mynationstar.com messaging system and by phone message to inquire the beginning and end dates of the evaluation period, as well as to ask for clarification of some of the requested documentation. Nationstar has not responded to any of my inquiries about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: NATIONSTAR MORTGAGE LLC
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
on XXXX/XXXX/15 I spoke with Nationstar Rep LJ # XXXX she explained that my loan Modification was denied because of the following : XXXX NoteXXXX : I explained and wrote a letter that I do not pay child support, gas, cable, car note, phone. I called 2 weeks later and was told my Loan Mod was denied again for the very same reason after my naca representative updated my file and i have written letters clearing up any confusion they may have. I have yet to hear a response

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018, I received a mortgage statement, total payment requested was {$9600.00}. In an attempt to bring my mortgage current, on XX/XX/2018, I sent by XXXX to Wells Fargo N.A. a check in the amount of {$11000.00}. The check was received by Wells Fargo on XX/XX/2018 at XXXX XXXX and was signed by XXXX XXXX. There was no communication from Wells Fargo N.A. after the cashiers check was sent. Today, XX/XX/2018, Wells Fargo returned the check for {$11000.00} to me by XXXX   with a letter stating that they would not accept the payment. The letter simply stated that Wells Fargo N.A. apologized for the inconvenience. 
On today, XX/XX/2018, I made an attempt to contact Wells Fargo by phone. When I explained the situation, the person stated she would have to transfer me to someone else. I stayed on the line but no one ever picked up the phone to speak to me. This has been a recurring situation with Wells Fargo N.A. They have consistently been difficult to transact business with. I did not apply for the loan with Wells Fargo, N.A. My original mortgage company was XXXX XXXX XXXX. Wells Fargo, N.A. brought the loan from XXXX. It has been a nightmare every since. I am a veteran and concerned about becoming homeless due to the practices of Wells Fargo, N.A.

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 2022-12-26
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Try would keep my account 2 days behind so everything I did the day before would not come off till the 2nd and make me have overda every time for the last 2 3 years and if I did not US Wells Fargo ATM exter fees and they close account I setup for my grandkids and Idk how much that was and in all I lost my house

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 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022, I was told by a representative from Transunion to file a report for unauthorized inquiries even though It's not required in the FCRA. Please remove all inquiries starting from XX/XX/2022.

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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2015-05-27
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We tried for years since XX/XX/XXXX to get a modification after my husband got sick and was not able to work driving long distance trucks any longer. We started with XXXX XXXX Mortgage but they sold our loan as soon as I made the request for a modification. We were sold to Nationstar Mortgage. It took over a year to get everything done with them. The modification went through on XX/XX/XXXX. Our mortgage was lowered from {$1400.00} to {$1100.00} with fees of {$15000.00} and 10 years added to our mortgage. Around XXXX we received notice that our land/house taxes with the county was not paid. I called Nationstar and they realized when they did the modification they left off the taxes from the escrow. They paid the taxes BUT when they reassessed XX/XX/XXXX, they notified us that the payment would go up due to the reassessment to the {$1400.00} which was the same payment it was before the modification. Therefore we paid {$15000.00} and got 10 years added to our loan to get a modification and lower our house note only to once again see the payment go back to the original payment because they made a mistake in the initial paperwork. This does not seem ethical or fair to a consumer already in trouble with making the payments. Please help us with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$350.00} ; XXXX XXXX XXXXXXXX Balance : {$120.00} ; XXXX XXXX XXXX Balance : {$4900.00} ; XXXX XXXX  XXXX : {$800.00} ; XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX ( XXXX : XXXX XXXX XXXX  ) XXXX Balance : {$700.00} ; XXXX XXXX XXXX  ( XXXX : XXXX XXXX XXXX ) XXXX Balance : {$750.00} ; XXXX  XXXX Bankruptcy DateFiled/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2019-04-23
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: Personal information incorrect

Complaint:
Went to the website to try to update my information but their website declined to delete old information and update the new one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-04
Company: Penn Credit Corporation
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have an XXXX account that is fraudulent, the address that was used also is incorrect and fraudulent. 

XXXX XXXX XXXX PENN CREDIT CORP XXXX  {$460.00} Service date : XX/XX/

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: EQUIFAX, INC.
State: CA
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:
Some time this month i received a alert form my experian credit report. I log in to my account and saw a alleged XXXX XXXX XXXX XXXX  XXXX. I disputed this debt. I have no knowledge of a XXXX XXXX Credit Card. XXXX investigated this alleged debt and deleted off my XXXX  report. Now XXXX XXXX XXXX XXXX to the same debt to Equifax for a different dollar amount claiming i owe them money. I have no knowledge of this company. This company did not contact me. The alleged debt reported to my Equifax the next day XXXX deleted it from my report This XXXX has caused me harm dropping my credit score. My new employment require me to have a good score in the lending business

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Modification that has gone XXXX for over XXXX months. Several conference calls with the XXXX ( VP ) ph XXXX : XXXXXXXXXXXX incorrect. Per conference calls with borrower and VP, he would insure the escrow was calulated correctly ( admitting fault ) and Perm Mod ( documents just received today by borrower ) for her signature is MORE than the amount discussed. The issue primarily with all modifications is the lender is hold the money in a que, charging a fee to call in to make payment ( can not make payments online during a modification ). The statements the borrowers receive shows no payments - foreclosure department is not notified or " In sync '' and many people I know were foreclosed in the middle of making ONTIME mod payments. 
This needs to be escalated because the borrower was promised the re-calulation by the VP and still wrong. Now the borrower does not know what to do.. she could not afford the payment to begin with and that is why she applied for a modification - but if escrow ( insurance THE LENDER CHOSES ) is high and the borrower finds another policy that is less expensive, why should the borrower be penalized? The perm mod documents are near the same as her ORGINAL mortgage payment. Makes NO SENSE. Needs investigated please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: OneMain Finance Corporation
State: IL
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:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, One Main Financial. On XXXX XXXX XXXX are giving me credit inquiries I wasnt aware of and some of them are even checking my credit twice which I wasnt aware of either. They have made my inquiries go to 25+ and I wasnt aware of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Ref : XXXX XXXX Acct # XXXX ; XXXX XXXX , XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , NY XXXX Dear Sir/Madam : This is a formal complaint against Citibank . I received a Promotion Letter letter dated XX/XX/XXXX from a Ms. XXXX XXXX, US Head of Small Business, Citibank, NA, directed to my company XXXX XXXX, offering {$1000.00} to move {$50000.00} to Citibank and get better everyday banking. The fine print says The cash bonus for which you qualify will be credited to your account within ninety days from the end of the month in which you complete all Offer requirements. 
On XX/XX/XXXX, my firm opened an account at the XXXX Branch and deposited the sum of {$52000.00}. The Citibank employee was a Mr. XXXX. On XX/XX/XXXX, I visited the bank to determine the status of the promotional bonus offer by the Bank, Needless to say, confusion and ignorance surrounded the matter, and it was obvious it was a Citibank scam. Today, XX/XX/XXXX, now 6 months, with {$52000.00} idling at Citibank, the Promotional Bonus has not been paid. Two days ago, I received one of a series of form letters, all signed Sincerely Citibank Business Operations, stating that my inquiry is under investigation, etc. etc. 
For the few of us that pay attention, and after witnessing the XXXX XXXX scam, resulting in that CEO being banned from banking for life, big banks see their current banking methods shunned by big business, are actively targeting small business and the Consumer with these deceptive and dishonest tactics to generate business. Citibank has now gone from Predator to Parasite. The XXXX office functions like a social service office with sign-in and sit-and-wait to deal with people who have no decision authority on any matter. As in the XXXX XXXX case, the deceptive practices are executed with ambiguity and dishonesty. Citibank should be investigated for its deceptive and dishonest banking methods. 
I want Citibank to investigate and fulfil the promise inherent in their promotional letter to my firm. I would refrain for notifying the Office of the Comptroller of this matter, in anticipation of the prompt correction of this deceptive tactic. 

Yours Truly, XXXX XXXX XXXX XXXX XXXX, Pres & CEO Citigroup Inc . 
XXXX XXXX US Head of Small Business Citibank, N.A

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 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

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 2015-05-27
Company: NATIONSTAR MORTGAGE LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I would like to file a complaint. I have received several letters via Certified Mail from NationStar Mortgage stating that I could opt to have a face to face meeting with a representative to discuss options concerning my loan. I have made more than several attempts to set up this face to face meeting for the last month and a half at least. I have received nothing but the run around from each person that I talk to. Someone was supposed to email me, and then someone was going to call me, but I have yet to hear back from anyone regarding my calls to set up the meeting. 

I get different responses from your Representatives from, " We do n't do that '', to " I have never heard of it. '' I read them the letter that I received and had to sign from coming out of the Texas office. The representatives all need to be on the same page. Does n't look good for the business when the information being given does not match going from person to person in the office. 

If no one is going to actually set up the face to face meeting and it is not an option, STOP SENDING ME CERTIFIED MAIL TELLING ME TO CALL TO SET ONE UP!

Company response to consumer: Closed with explanation