BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company 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 2018-03-09
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX, I received a voicemail from a " unidentified '' debt collector but the representative left the name of XXXX XXXX  who told me that I had a payday loan that I did not pay and they were going to file charges in XXXX   County on Monday and the call was to make me aware of that because they were not able to get in contact with me but, that I can call the legal department at XXXX  to discuss the matter with a case # XXXX. They were going to locate me and contact my employer if I did not call back so it was imperative to call immediately.

On XX/XX/XXXX, I called the number back only to be asked for the last four digits of my social to verify that it is actually the person who owns the debt. I was then told that the account was locked and that they needed to get a paralegal to unlock the account because it was going to be filed on Monday so he had to place me on a brief hold. ( Already Suspicious The guy gets back on the phone to ask me if I remembered taking out a loan out with Ace Check Cashing in XX/XX/XXXX and that I failed to pay the balance of {$440.00} and the amount now that will be filed for in court is {$1400.00} if I could not pay the original amount today. I also will be charged with defrauding a business and using a financial institution to do that. I honestly do not remember the loan as I took out a few of them and my account was closed due to fraud ironically but, that if I owed this amount I would want to settle the debt, just in installments because I could not pay the entire amount today. The gentleman asked me about my pay dates and if I had a bond trace that I could secure via credit card or debit card with a visa logo on it.

I agreed and I told him that as soon as he sends me documentation of what I owe and who this is going to then I would be more than happy to set up a payment plan. He told me that they do not do this and that they could only send me a dismissal of debt letter when I have completed the payment. I told him that I can not give out my bank information without knowing where it is going and he told me that he would notate the account with my concerns and why I could not pay and told me " good luck in court ''.

This to me is a scam or something because it is not a legit business practice to ask for financial information and not supply you with who they are. This company needs to be investigated for fraud and I plan on reaching out to Ace Check Cashing because if I owe them money then I want to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: CITIBANK, N.A.
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a Citi checking account on XX/XX/2023. I chose Citibank because I already had a credit card with them. I deposited {$50000.00} into the CitiBank checking account by transferring funds from my XXXX savings account. I paid off my Citi credit card with my new checking account that day. This left a balance of {$44000.00} left in the Citibank checking account. The next day, I realized I could not access my mobile app. After a lot of time on the phone with Citibank, they finally explained that my checking account had been flagged as fraudulent and closed. The following week I revived a letter dated XX/XX/2023 that said it was closed and that it would take 30-60 days to receive any funds I was entitled to. 

On XX/XX/XXXX I called Citibank using the number on the letter. I was told that since the 60 days had elapsed, I would receive the balance in the form of a check no later than XX/XX/XXXX. 

I did not receive a check. 

On XX/XX/XXXX I called Citibank and was told I was not entitled to any funds. After a lot of back and forth with CitiBank and XXXX ( a branch under XXXX based in California ), CitiBank said XXXX would need to file a hold harmless claim since apparently when the ACH was sent, my name wasnt on the transaction. Plus it looked fraudulent since I live in Idaho. 

Through a lot of back and forth and at least four hours on the phone, I learned there was a force transfer on XX/XX/XXXX between XXXX and Citibank. Ive attached a screenshot. 

At this point, all I have is a message from XXXX bank that a claim was started, but I havent seen the claim itself. Citibank told me it would be another 30-60 days to process this claim. 

I just want my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: Santander Consumer USA Holdings 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Santender I have sent disputes to each agency and they are not sending verification of how the accounts are valid and they need to delete them from file because there is no contract and they have been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: FAIR COLLECTIONS & OUTSOURCING, 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:
Fair Collections & Outstanding Inc XXXX XXXX XXXX XXXX I have sent disputes to each agency and they are not sending verification of how the accounts are valid and they need to delete them from file because there is no contract and they have been paid.

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 2023-08-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
During the year XXXX, my identity was stolen by a family member who was staying with me during a financial crisis. She stole my identity by stealing my ID, social security card, and other forms of identity. She obtained loans and credit cards in my name. I began receiving late notices from XXXX XXXX in XXXX. I notified the creditor that this was not my loan and that my identity had been stolen. I began asking XXXX XXXX and Equifax to verify this loan. No one or any documents have ever been received to verify this debt. Even after several letters to Equifax, they just came back with this debt has been verified without any proof. This was reported to the credit bureau in XX/XX/XXXX. Over the years I have written XXXX XXXX and Equifax stating that this was not my account, please verify. In XXXX if filed a claim with Identity Theft.gov and the FTC showing that my identity was stolen in XXXX and that various creditors were still pursuing me for collection. The reference number to the Identity Theft report is XXXX. I submitted a copy of the report to XXXX XXXX and Equifax in XXXX of XXXX. I also requested a copy of the FTC report reference number XXXX. XXXX XXXX has currently sold this debt to XXXX XXXX XXXX after they have charged off this debt with the IRS. So not only is XXXX XXXX reporting negatively on my credit report, but now this XXXX XXXX is in collections. Both reporting at the same time for the same debt. I have been trying for years to rectify this and now I am filing a claim. After years of fighting this, my next step is to file suit in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
State: WI
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 had a charge off with XXXX. XXXX transferred the account to XXXX. I paid off the charge off in full on XX/XX/XXXX. XXXX said they would report to the Credit bureaus. They didn't. Experian said they can't change the status because XXXX no longer has the account and they don't contact the new account holder. 
XXXX  3x has given me 3 separate dates that they will report this to all 3 credit bureaus including that it may be several months because the are new at this. 
The Account should read charge off paid in full instead off just charge off. Thanks

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 2021-03-29
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We purchased our current home on in XXXX and never missed a payment. My husband was unlawfully terminated, XX/XX/XXXX. His case ( # XXXX ) with the EEOC is pending resolution. 

Due to this reduction in income I applied for hardship/forbearance in XX/XX/XXXX. Wells Fargo granted 6 months and soon thereafter COVID-19 hit. As with the rest of the world and specifically 'Americans ' we are doing everything we can to protect ourselves, children and global community. This type of recovery doesn't happen immediately. And, the call today with Wells Fargo leads me to believe economics is being touted over ETHICS. 

We are simply requesting an additional 3-6 months forbearance ( as the President mandated ) until XX/XX/XXXX to regain our footing and then refinance to keep our home ( which also serves as my business ).

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 2023-10-19
Company: Experian Information Solutions Inc.
State: VA
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: Was not notified of investigation status or results

Complaint:
My ex-wife opened a XXXX XXXX credit card without my authorization to buy something for her dad then I found out and I kept paying the card until one day my car got misplaced and someone stole the card and put multiple charges. XXXX XXXX opened an investigation and they informed me that I would be notified regarding the result of the investigation. I was never notified and I was put in collection for charges that were not mind. I have over three years trying to resolved the issue and they are not taking into account my concerns. My credit has being ruined and they have being negligent in making an effort to clarify the issue I am tired of calling and speaking with 4 to five different departments for 2 hours.

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 2021-04-06
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Two different account numbers and charges. 
XX/XX/2019 amount owed is {$360.00} XX/XX/2019 amount owed is {$330.00} Neither one of these are mine. I have filed an identity theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for the mortgage in XX/XX/XXXX, was conditionally approved in XX/XX/XXXX. I have had contact with 4 different representatives of the bank with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account with Citibank, didn't make any deposits or anything for a while because I was going through the hiring process at the job I was applying for ( opened the acct to set up direct deposit with this bank ) I got my last check from my last job for {$3000.00} from home Depot. Started getting deposits from new job ( XXXX ) went to XXXX to buy new work clothes and a boot store for work boots. Then tried to buy a money order for my rent at the XXXX money order station ( {$1000.00} ) this was all on Friday XX/XX/2022, tried to use my debit card for the money order and was declined, got a notification from the Citi app asking if it was me, I clicked yes it told me to try again so I did and it declined, I called Citi the rep did some stuff on her computer and said try again and it declined, she tried more stuff on her computer and said try again and it declined. The rep then told me I was over my monthly limit, I have no monthly limit and if there is one it's definitely more than $ XXXX. I walked to the ATM machine right next to the cashier area and pulled out {$1200.00} for my rent money order. Next thing I know my account is blocked the rep tells me someone will call to clear it up in 24-48 hours. It's been 4 days now. I have no money other than what's left in my account ( around {$800.00} ) I can't go to work I have no gas I have no food I've called them every day and they just keep telling me it'll be 24 to 48 hours.

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 2019-06-20
Company: CITIBANK, N.A.
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:
Macy's/Bloomingdales Had fraud happen on XX/XX/XXXX to my Macys account. 
After months of seeking resolution, finally Fraud was cleared but left {$6.00} finance charge and a 30 day delinquent notice on my credit report due to the fraud charges They should not have put the 30 day delinquent on my account due to fraud but did. 

Got the finance charge removed and when I went to get the 30 day delinquent notice they said they had sent it to the credit company. Since they told me that last month, this month I asked for a copy of the letter they sent to the credit company to make sure they had actually done it. After 45 minutes of being passed to different people, spoke to a " XXXX '' and when he checked with " his specialist '' he was told the 30 day delinquent had nothing to do with the fraud situtaion. Since my last actual purchase was in 2018, I found that hard to believe. Appartently all the staff that was saying a letter was sent to creditors was a lie. I want that removed from my credit rating

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 2021-03-29
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX  ; Experian and XXXX  are reporting the XXXX XXXX XXXX partial account number XXXX on my credit report. ( Please see page attached. ) There is no outstanding balance due. The bureaus removed this account previously and now they are reporting it again. This false reporting is seriously harming my credit score and needs to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well as XXXX XXXX XXXX several times to fix this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In early XX/XX/2020, I was contacted by a lender asking me if I was interested in refinancing my mortgage. They offered me an interest rate of 3 % with approximately $ XXXX in closing costs to be paid by me. I then reached out to my current mortgage holder ( Carrington ) and told  them about this. They told me that they would be able to offer me an interest rate of 3.25 % with XXXX closing costs to be paid by me. I decided to go with this option. On XX/XX/2020, I sent them all the required paperwork in order to lock the rate in. I communicated with them over the next couple months, sending them whatever documentation they needed. Then, on XX/XX/2020, I was sent an email from Carrington which stated : It turns out we had to deny the loan out. Fannie Mae and XXXX XXXX have ceased allowing rate lock extensions on Conventional loans due to the effects COVID-19 has had on the market. Unfortunately with how backed up processing has been, we were not able to meet the rate lock deadline. The rate lock then expired, therefor we lost the interest rate we had locked in place for you. I apologize for this, as it was not my anticipation when we had started this for you. I would say we could start over, but again, the market is not where it was when we started, and we would not be able to achieve the same rate without charging you a boatload of points. When things die down, and this whole thing is over you will be the first person I call to get this going for you again. Let me know if you have any questions. 

My complaint here centers around the fact that they talked me out of a deal with the other lender, and then backed out after over two months of waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: EQUIFAX, 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:
My husband and I have called Equifax several times to remove any hold on our account that could be preventing the lender from pulling our credit. We are trying to get a home mortage and every time the lender tries to pull our credit it always have a block. The message they are getting when they pull my credit is " credit reported fraudulent by consumer ''. The first time the lender tried to pull our credit it was a freeze preventing them now the freeze is removed and I don't know what else is blocking the lender from seeing my credit score from equifax. We've fax proof of identity several times to equifax. Please help and send some feedback on what we can do to get this issue fixed for good.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
SOMEONE HAS TOOK MY INFORMATION AND OPEN UP SEVERAL ACCOUNTS WITHOIT MY PERMISSION WITHOUT MY CONSENT

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