BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I returned an auto lease of a 2013 gray XXXX XXXX to XXXX XXXX or XXXX XXXX now XXXX XXXX ) where i leased it from. There was no damage to the vehicle in any way shape or form and yet they are charging me XXXX for damage. No proof of damage was provided, in fact i purchased another vehicle ( XXXX ) from the same dealership and same salesman as the XXXX immediately after it was turned in. No mention of damage or money owed was ever mentioned. In fact it was me who notified them of seal issues with the roof and water pouring into the car during all rain fall.this caused rust inside the wheel wells as well as electrical issues. It was the main reason the dealership allowed me to turn in the lease early without any penalty. If this isn't completely removed from my credit i will be filing a civil suit against both the dealership and XXXX XXXX. I have consistently been given the run around regarding this issue. I have also leased and purchased over 7 XXXX vehicles through XXXX XXXX and have never once been accused of wear and tear damage. Unless photos of the damage are provided as proof of the cars condition upon return i will be moving forward with legal action.

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 2023-05-15
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX 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 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 XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-08
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I tried speaking to customer service at Wells Fargo on XX/XX/2018, the day after I was notified that my credit had been pulled. I was transferred several times to different departments, each department saying they wouldn't be able to help me with this situation. I was trying to reach the fraud department. They denied that they had a fraud department. Whoever I ended up speak to at Wells Fargo ended up hanging up on me. I wasn't sure what to do or how to resolve this issue. So now I'm filing a complaint on through consumer finance in hopes that this fraudulent inquiry will be resolved.

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 2020-07-15
Company: CORELOGIC 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: Account information incorrect

Complaint:
In XXXX, my husband and I were applying for a home loan. I told the lady looking into it that my credit was already ran for a hard inquiry for XXXX   and she explained to me that it would not show up on my credit as a hard inquiry but it did and I would like to know what I need to do in order to remove this from my credit report. You will see two inquires as hard on XX/XX/XXXX. If I would have known that it would in fact show up as hard, I would have not let her run it because I already let XXXX run it and knew what I was working with.Both these items will be off my credit report on XX/XX/XXXX. But I would like to take care of this one earlier by credco if possible. 

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 2018-09-17
Company: CITIBANK, N.A.
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
This all started in XXXX we ended up filing for bankruptcy due to my loosing my good job. and has never finished ... We did a modification back then and owed XXXX and ended up with a new amount of XXXX and a payment of XXXX. This began to be a problem due to me loosing my good job in XXXX of that year. 

We ended up struggling to keep paying and in XXXX we filed for Chapter XXXX bankruptcy and tried to work something out, we were lied to by the bankruptcy attorney as well as Citi Mortgage they said after we made the Trial payments of XXXX. And that we Qualified for the making homes affordable loan forgiveness program.We did make the trial payments and then Nothing never received final papers.And then the program ended before we received any final papers. At this point we are living paycheck to paycheck. 

Then in XXXX of XXXX XXXX my husband began missing alot of work due to XXXX Problems and this caused a shortage on funds to pay the mortgage as well as all our bills. I did contact Citi Mortgage several times and each time was put on hold then the calls would be lost.. In XXXX of XXXX XXXX had XXXX  XXXX and had to take off work and Citi Mortgage was again notified of the situation. 

Then in XXXX I was diagnosed with XXXX XXXX and as a result I have missed alot of work and again, I notified Citi of this situation and asked for help. I am still dealing with the after effects of the XXXX. We then hired XXXX law to help us and they said they are looking into respa stuff and that Citi should not contact me and they have on many occasions and I asked them to get certain documents from Citi as per my rights and still have not received. I wanted a copy of all statements and payments, I have made since they acquired my loan and I have not seen anything in this regard. As well as no detailed breakdown of how or where they are coming up with these amounts. I also asked to find out about what Insurance is on my account and No answer on that either. 

All we are looking to accomplish is a fair shake. We Never expected to not Pay our Mortgage and have all the difficulties. We just need some help and for them to work with us and maybe Write off some of that Debt and give us a payment of around XXXX or less per month. Less would be better of course but, just want a fair chance to get back on track..As they promised back in XXXX. 

XXXX and XXXX Bless

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 2020-02-19
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 am a victim of identity theft

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 2020-02-19
Company: Experian Information Solutions 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 status incorrect

Complaint:
XXXX XXXX is reporting incorrect information regarding this account on my credit reports, this account was reported as charge off on XX/XX/2018. However, when an account is marked as charge off, it should not be reporting late payments and therefore is in violation of the FCRA. For this reason, this account should be DELETED from all credit reporting agencies due to violations of 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 explanation
Consumer complaint received 2018-10-04
Company: Experian Information Solutions Inc.
State: MD
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:
We are trying to get preapproval from a mortgage company as we are looking to buy a house. We have our accounts at all three credit agencies frozen. It was very simple to temporarily remove the freeze at XXXX XXXX and XXXX. Experian was another story. Their online service often said, " I didn't get that '' even when the data was entered using the keypad. There was inadequate time to enter the PIN number they had sent. Giving up on the phone, I tried the online service. The field for the PIN number was too short to fit the PIN sent to me. I left off the XXXX leading XXXX and was able to get the temporary removal. I told my husband to leave off his leading zeros in the PIN sent by Experian. However, it turns of he had XXXX leading XXXX. His request was denied and they said he had to submit all kinds of information for his request to be honored. We are still waiting to have the freeze removed. Nowhere in the letter containing the PIN, in the phone link or on the online site does it say the PIN has to be a certain length or to disregard the XXXX leading XXXX. This is ridiculous. If we had been trying to get a loan to go with an offer, we would have lost the bid. Why can't Experian give you a PIN that is correct and be as user friendly as the other two agencies?

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 2017-09-20
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equafax : I have tried to place a freeze online and receive a response that I have to send a written request, with no explanation about why I can not do it online at their website. I have also twice signed up online for their free monitoring service and have not received the promised email to complete the process within the allotted 3 days. I called their number on their website for help and received only the " canned '' response in their public statements and no help in placing a freeze or getting the monitoring service. The agent had no access to my information! Some help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 summer XX/XX/XXXX and again in early XX/XX/XXXX TransUnion experienced a database glitch that deleted EVERYONE 'S TransUnion Inquiries. Once the glitch was realized, TransUnion added them back to my report. it is illegal for an item to be added back to my report without you getting written notification 5 days prior to it appearing. This was transunion issue and not mine. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. The representive XXXX that I spoke with told me that he would not be removing them as of XX/XX/XXXX at XXXX. These inquiries add a hardship and my rights were violated by TransUnion. I am asking that TransUnion stop victimizing me. As a resolution, i am asking that all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added.

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 2020-04-03
Company: EQUIFAX, INC.
State: MN
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 following credit inquiries listed on my Equifax and XXXX  credit report are fraudulent, unauthorized and not my credit inquiries : XXXX XXXX XXXX, XX/XX/XXXX, XXXX  XXXX, XX/XX/XXXX and XXXX, XXXX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
MCM which is XXXX XXXX XXXX XXXX XXXX keep sending letters and making phone calls on a bill that I believe I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan was initially with XXXX and was acquired by XXXX and later by Nationstar ( Mr. Cooper ). 

My loan is an adjustable rate based on the LIBOR index, and I have tried unsuccessfully to lower my payments by submitting for a loan modification over 40 times and each time I was denied. 

During this process when the RE market was down with the exception of the past 5-6 years, I have tried to get my loan modified, but to no avail. 

The reason that I got behind was because I was seriously ill, and then unemployed for a long time after that. 

I would like to get my loan modified and to keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Dealing with a mortgage servicer with a loan modfication that was approved, however, at a much higher monthly payment then the original loan. Due to severe hardship with hurricane XXXX and losing employment, put fourth application for loan modification, which the servicer took a year to process almost to the date, and the new loan is setting us up for failure.

Company response to consumer: Closed
Consumer complaint received 2019-11-13
Company: CITIBANK, N.A.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I would like assistance with a dispute of charges that I filed on XX/XX/XXXX due to fraudulent charges on my credit card. The charges accrued on XX/XX/XXXX at XXXX 'XXXX  XXXX XXXX  XXXX in XXXX KY {$130.00}, {$97.00}, {$77.00}, and {$65.00} for a total of {$370.00} all at this same restaurant. I have called Citi several times to try to get updated information for the dispute. The charges are still on my balance with no refund. My last call was made today due to needing advice. I want to close my card because of how this has been handled and I was told that I could leave the balance that is being disputed and I would not be charged a late fee, or reported to the credit reporting agencies as late by Citi, which is fine, but I would like a letter in writing stating this. No one can provide it nor can anyone give me a update.

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 2018-02-08
Company: Experian Information Solutions Inc.
State: OH
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 filed numerous complaints regarding the reporting of my XXXX XXXX account, ending in XXXX. Since the bank refuses to remove the account from my reports, as they promised to, if I paid in full. I have since paid in full but now they will not remove the account. Since the account will not be removed from my report, I would at least like for it to reflect correctly. This account is no longer in collections, has it is stated on my report. I have PAID IN FULL. However, the account status on my report still say collection/chargeoff. I would like to have the account status to reflect " closed/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 2021-11-04
Company: Experian Information Solutions Inc.
State: IN
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:
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay 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 2020-08-24
Company: Bread Financial Holdings, Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I've previously attempted to settle the matter with this company but they have ignored my requests and are now in dishonor. The Fiduciary Appointment has been mailed to the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: M. G. Credit, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
MG Credit Corp reported to all three Bureaus a debt of {$160.00} from a medical bill I am just aware I had 4 years ago. It was my understanding all cost were paid by insurance. Once the account was reported, I called the original debtor and MG concerning the required validation of the matter. I never recieved any of the required information under FTC, I never received notice that I was deliquent, on this account prior to the reporting of the credit bureau, I informed MG if the debt was valid I would pay for a deletion only, not as a debt, they declined to correct thier error. The information further violates HIPPA, law 's as MG is clearly seeking a medical bill from the original creditor that specializing in a area of medicine that makes it clear of my medical history. MG has violated several FTC rules and as well as my due process with adequate notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Back in XX/XX/2019 I missed a payment on our 2nd mortgage and didn't realize it. I sent my regular payment in XXXX but XXXX considered it insufficient funds and put it in a separate account and didn't apply it to the loan. As the months went on I am thinking my payments are being applied they were not and late fees and other charges were added. XXXX has since went bankrupt and sold our loan to a collection agency called ShellPoint Mortgage Servicing. Our first encounter with them was a phone call from them telling us we owed that XXXX payment and that our account is severely delinquent and that we owed from XXXX to current date. The payment I had made in XXXX was sent back to our bank and also not applied to the loan. Shellpoint said they had no record of our payments and that we were lying about sending them. We have sent proof from our bank but now they are not calling or returning emails. Every time we tried calling and speaking to a representative we got different information and no one is willing to help us. Shellpoint is telling us we have to pay the back payments plus all late fees and other charges before working with us. So basically we have to pay the amounts we have already paid before releasing our payments and applying them to the loan. We want to refinance our loan with a reputable mortgage company but this is ruining our credit. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Genesis FS Card Services, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I attempted to resolved the debt with Destiny Card numerous times before the balance was discharged but everytime I called to make a payment there was some error with their system. Due to this I was never able to pay online.

Company response to consumer: Closed with explanation