BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-28
Company: CITIBANK, N.A.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX my husband ( now ex-husband ) stopped paying for our house as he filed for divorce. At the time, President Obama introduced the Home Affordable Modification Program. Our kids ages were ( XXXX, XXXX, XXXX, XXXX ). One of the key stipulations to qualify for this program was going through a divorce. Since XX/XX/XXXX through XX/XX/XXXX I sent numerous applications and exchanged hundreds of emails with Citi mortgage to qualify for this program. They repeatedly requested the same documents ( see email with XXXX XXXX ), and every time I completed the forms and submitted the documents. There was never a clear response on the status quo. XX/XX/XXXX, I transferred my college credit hours to XXXX University and completed my XXXX  degree on XX/XX/XXXX. I acquired a full time position to start paying for the house. I saved every penny and told them I can start paying on the arrears, and they never gave me permission. XX/XX/XXXX I found out they sold my mortgage to another lender, and the lender told me they never participated in the bail out money thus I don't qualify for the HAMP program. We were devastated, and my realtor suggested that I sell the house in a short sale before they evict us. We sold the property at XXXX and within 8 months the owner sold it for XXXX. I feel Citi mortgage cheated us out of our home. Hard earned money that we invested into this home, was taken away from us. On XX/XX/XXXX we arrived through a sponsorship and we worked very hard to acquire this home. We came to this country legally, and earned citizenship through the proper channels. My children and I are unable to acquire a home in our neighborhood due to high prices. I am requesting that Citi Mortgage refund our house at the value they took from us. It is our right to own the home we worked so hard for 14 years. 

CitiMortgage, Inc. Loan # : XXXX Customer Research Team XXXX XXXX XXXX XXXX , MD XXXX Contact Person : 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 explanation
Consumer complaint received 2022-09-23
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was involved in a scam where I lost over {$8000.00} to a fake landlord. I had wired over {$4000.00} to the fake account unknowing that it was a scam. I moved across the country and found out that the apartment I was supposed to move into was completely fraud and had someone else living in it and wasnt actually for rent at all. I asked Truist to do a wire recall on XX/XX/15 which they attempted but couldnt get any money back. They closed my bank account for investigation and then sent me a letter five days later saying that they would not give me any money back because the transfers were authorized and therefore it wasnt fraud. I tried to explain that I had no idea that this was a fraudulent company but they would not budge in their decision. Ive received no money back for something that wasnt my fault.

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 2019-10-28
Company: Prosper Marketplace, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX, XXXX, WA. 

A XXXX XXXX called intimating that we were late on a payment, which is not the case. She had no clue as to terms of the settlement their firm was handling for a third party lender. She was down right insulting, full of inaccuracies and just wrong. 

I asked to speak with here supervisor. XXXX XXXX ( sic ) stated this person should not have called even though they sit right next to each other. She is new, was the response! I asked about training, policies, procedures and internal controls. She had no response. 

I asked XXXX to speak to her supervisor, XXXX XXXX ( sic ) an attorney with the firm. Not in office, left a voice mail. 

This firm is not in control of its personnel and to be contacted like this is just wrong. 

If we consumers don't speak out, reforms inside firms like this may not take place. 

Not sure if you have had complaints with this firm previously, but something is not right with this firm.

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 2019-10-28
Company: PlusFour, Inc
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account # : XXXX Reference # : XXXX I mailed a letter ( certified via USPS ) on XX/XX/2019. It was delivered to the company on XX/XX/2019 at XXXX XXXX. I mailed a 2nd letter ( certified USPS ) on XX/XX/2019. It was delivered on XX/XX/2019 at XXXX XXXX. The company responded once with some sort of receipt that was made out to a XXXX XXXX. This receipt is no PROOF that this debt is mine. This is not verification. I asked for a wet signature and they have yet to provide it. They have ignored my 2nd request for verification. I'm sure that this company is well aware that this debt can't be verified without a wet signature, yet they attempt to hold on to and make me pay this alleged debt.

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 2017-12-23
Company: Applied Data Finance, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
This loan was applied for without my knowledge. I waa hospitalized over a month and returned home to harrassing phone calls and emails. I have tried to talk to there fraud department and no one wants to help. My signature is not on any contract, my paystubs are easily accessible since I work for a XXXX XXXX I am a victim of identity theft and have closed any checking account that this company had access to. I have reported this to the police and the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Dear Sirs, I am in receipt of your letter dated XX/XX/XXXX to the CFPB, and subsequently allowed thirty ( 30 ) days to expire with hopes XXXX XXXX XXXX ( XXXX  ) would correct the inaccurate information it knowingly reported to all three credit bureaus. Thirty days has since past, and I would like to address the falsehoods reported in your letter. 

In your letter you state XXXX has been actively pursuing collection of the above-referenced account. However, referencing a XXXX  letter I received in XXXX, and furthermore attached page 8 of my XXXX   report, page 2 of my Transunion report and lastly, page 3 of my XXXX  report contradicts your statement. 

The attached credit reports display this account to-date has been charged-off for nearly 4 or more years now, and no collection activity has not been reported up until recently. Your company maliciously, unethically, and illegally reported credit activity for no other reason to my belief, but to cause damage to my credit profile. 

As a Creditor, you are fully aware your company has a duty to conform with all Federal and State regulations in regards to credit reporting. As well as reporting accurate, up-to-date, and truthful information. 

With this letter, and under the guidelines of Fair Credit Reporting Act, I am requesting XXXX remove this account from my credit report with all three credit reporting bureaus immediately, no longer than 30-days of the date of this letter. 


Kindly confirm safe receipt. Should you have any questions, please do not hesitate to contact me. As always, 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 2021-05-28
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: Information belongs to someone else

Complaint:
On or around XX/XX/2021, I noticed an account was opened at XXXX under my name and identity. The account was open fraudulently. I went to XXXX and notified them, did a police report, filed an FTC Identity Theft complaint, and placed a fraud alert on each of the 3 credit bureaus. Ever since XX/XX/2021, I have been going to XXXX and letting them know of the issue, asking for their help in resolving the problem. On XX/XX/XXXX, I sent a formal letter to XXXX on the matter, and provided copies of my SS, Driver 's License, FTC Complaint. As of today, nothing has been resolved, and the account still shows up under my name and in my credit files. XXXX has never contacted me back on the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Can you please help me file a suite against these companies for breaking the law? Last year and all of XXXX  so far I have mailed letters certified to dispute items and yet the companies break the law each time.

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 2019-09-25
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Today ( XX/XX/19 ) I am tried to get Equifax to unfreeze my credit report for loan. I tried to do it online, but got an error message that gave me a phone number to call. I've called the number 4 times. After giving my identifying information, the automated phone system says that either the system is down or it asks for more questions from my credit report that I can't answer. My wife has also called several times and spoken to people that are unable/unwilling to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 2021-05-28
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: RentDebt Automated Collections, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A credit reporting service named RentDebt recently started reporting that I have an outstanding balance owed to an apartment community for {$5200.00}. There is no way my outstanding balance could remotely be that high. I have contacted RentDebt directly, and asked them to send me a complete account detail, showing all of the charges that constitute the {$5200.00} in charges that they are trying to collect. I am also aware that this apartment community re-leased my apartment, shortly after I left. So I believe what's happening is that they are attempting to charge me full the full amount on the remainder of my lease, despite the fact that the residence was re-leased. Its illegal for them to try to hold me to the full term of the lease if they re-rented the apartment, so I also asked for the date my old apartment was occupied once I left. Of course, I have not gotten that information either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: Transfinancial Companies, Inc
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
dates : XX/XX/2015 amount : {$1000.00} violation : section 604g 15 U.S.C. 1681b ( g ) ; 12 C.F.R 1022 Subpart D

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
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: Information belongs to someone else

Complaint:
There are currently numerous accounts listed on my credit report that I have no knowledge of. These accounts were not authorized or initiated by me and was a result of error, fraud or malpractice.

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 2019-01-31
Company: Experian Information Solutions Inc.
State: ID
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:
I sent a complaint before about the house I sold & paid off completely. All three credit bureaus were more than unhelpful. After I sent complaints on them I was told the issue had been fixed. But they have not fixed it. That house I no longer am responsible for is still being reported by Experian for sure and maybe even the other two. I tried to call Experian. I could not get ahold of a real person.

I am so very tired of them controlling my life. This is not right.

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 2018-02-26
Company: Nelnet, Inc.
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2017 I deferred my student loans with Nelnet to avoid any late payments while my payments where being recalculated we went back and forth many times they had lost paperwork and and not contacted me back. I was during this time in deferment. But to my surprise my credit is showing late payments from XX/XX/2017 through XX/XX/2017! I need this off my credit immediately due to Nelnets error and faulty reporting to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: WELLS FARGO & COMPANY
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My Wells Fargo ( XXXX ) home mortgage ( # XXXX ) in XXXX was paid off in XXXX. In XXXX XXXX XXXX sent me a refund of a rate lock extension fee ( {$1500.00} ) plus interest for XXXX years ( {$150.00} ) plus compensation for loss of use ( {$140.00} ). The interest for XXXX to XXXX seems fair but the compensation for loss of use for the ten years XXXX to XXXX, is not adequate. A fair compensation for loss of use of {$1500.00} for 10 years should have been closer to {$1000.00}, not {$140.00}. 

XXXX rejected my request to explain its calculation of the loss of use calculation and rejected my request for additional compensation. I trust the CFPB can help me.

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 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
here 's a list of the companies that I've contacted in XX/XX/2023 no actions because these items still remain on my credit today : XXXX XXXX XXXXXXXX, XXXX  XXXX XXXX ( the second one ), XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2021-02-25
Company: MJ Altman Companies, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XX/XX/2021, i check my credit report and notice a collection from MJ ALTMAN COMPANIES , INC about a debt that is not mine. I have never owed XXXX XXXX anything and if not removed from my credit report i will consult a attorney.i attached a copy below of the letter to them.

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 2020-11-29
Company: Experian Information Solutions Inc.
State: KS
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 keep trying to dispute a account which has been paid with experian and they keep closing it without updating. There is also accounts from XXXX XXXX which are supposed to be deleted due to settlement out of court. There is a FTC and police department report as well

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 2019-01-31
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was checking my credit report on XX/XX/XXXX there is a collection agency asking for payment of {$1600.00} for XXXX XXXX, I dont have a XXXX XXXX account never had one and this account is apparently opened in XXXX Tx I live in XXXX XXXX TX dont know anyone in XXXX. I contacted XXXX XXXX and filed a identity theft affidavit I also sent they a copy of my drivers license and bank statements for the months of XX/XX/XXXX thru XX/XX/XXXX I also filled a Federal Trade Commission identity Theft Report. I also put alerts on all the credit bureaus XXXX, XXXX, XXXX. I have very good credit and because this collection agency appeared on my credit report my score dropped 38 points i pay everything on time dont owe anything i want this off my credit Report ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: D2 Management LLC
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The collection was to have been placed in hardship status, due to a household member going through a life-threatening medical situation. This account has been bounced between collection agencies, when it was to be placed in said status. Callers have also berated a household member by stating " You need more medications from the VA '', when this has to do with XXXX. Actually, the caller was very disrespectful to a member in my household. Caller also threatened to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: Perfection Collection
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2019, I sent a debt validation letter stated, this is not a refusal to pay, I need them to validated this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Transunion TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Re : Social Security Number xxx-xx-XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. XXXX XXXX, TX XXXX ( XXXX ) XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.

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