BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-08
Company: TRANSUNION INTERMEDIATE 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:
I am enclosing a copy of the letters that I mailed to your company via mail requesting that you verify the alleged debt your company claims I owe. I sent two letters to TransUnion and XXXX. First letter regarding accounts that was not verified. It was over 30days and I have not heard back from either company. So I sent another letter regarding no response and they have still yet to respond to me. This was last year 2018 in XXXX and 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 2018-04-07
Company: CITIBANK, N.A.
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I took a student loan on XX/XX/XXXX with Citibank for an XXXX. in XXXX XXXX University. The total amount of the loan was US {$40000.00}. 

After I graduated in XX/XX/XXXX, I returned from NY to XXXX, XXXX, where I currently live. I do not have a bank account in the US. Thus, I made my monthly payments to Citibank with my XXXX  Visa credit card. 

The loan was sold to a company called XXXX XXXX and XXXX XXXX does not receive payments by credit cards ; I do not have a US checking account, XXXX does not work for XXXX, etc. In sum, I was not being able to make my payments. 

In XX/XX/XXXX I sent an e-mail to XXXX asking how to make a payment and explaining the situation. On XX/XX/XXXX I received this response : " We apologize for any inconvenience this may cause you. After review of the account, it has been referred to collections. International borrowers can call XXXX to inquire the next steps. '' I called collections various times and left messages. I also sent another e-mail to XXXX explaining that I was not able to contact collections. Finally, I was able to obtain from collections the wire transfer data in order to send payments. 

On XX/XX/XXXX I wire transfered US {$4800.00}. I informed XXXX. XXXX, however, says they do not have a way of confirming that the money has been received. Collections said on XX/XX/XXXX ( approx. ) that they have not received the transfer ; that it may take a couple more days, and that they will inform me as soon as the money was received ( I gave them my e-mail address, but, although I requested it, they did not give me any e-mail address ). 

Neither XXXX ( despite various e-mails asking the balance, requesting an e-mail for collections and asking which is the authority that oversees collections ) nor collections ( in the phone numbers provided ) have been able to give me an e-mail for collections in order to forward proof of the transfer. 

In sum, I do not know which is the balance, and I will not make further payments until I receive confirmation that the US {$4800.00} were indeed received.

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 2021-09-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3 Credit Bureaus is reporting inaccurate information on PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) with Account Number XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-08
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was alerted by XXXX the Midland Funding LLC had made an unauthorized hard inquiry on my report. Midland was removed from my report in XXXX. I called XXXX on XX/XX/XXXX at XXXX. I wastold they did not do the inquiry and that i need to have XXXX remove it. XXXX said Midland isnt being honest because they did initiate the hard inquiry. I recorded the call proving they said it wasnt them so i would like this inquiry deleted ASAP. This company is well known for there poor business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Recently there were some things added to my Transunion credit report that I did not recognize. I called the Transunion to report the problem and instead of the customer service rep helping me they decided to argue with me about the situation and how I should be more responsible with my credit and that I am going to die with bad credit. I asked how can some inquires that were removed from my credit report show up back on my credit report with my knowledge. I explained to the rep that I had not applied for a car loan in XXXX or XXXX of last year and that there were some other inquires on there that were not mine. I recently found that someone was using my that lived in XXXX XXXX Indiana because of an address that popped up on my credit report that I had removed. These are the inquires that are not mind and I would like them re-removed from my transunion account. I worked very hard and long with all these companies below to have all their inquiries removed off of my credit report. It is not fair to me that they have been added back. All of these inquires below are unauthorized inquires and I would like the re-removed from my credit report. 

XXXX Inquiry from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX, XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2018-05-01
Company: WELLS FARGO & COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, an unauthorized transfer of {$2400.00} was made from my Wells Fargo checking account, through XXXX to an unauthorized recipient. I received a text notifying me of a new recipient and a phone number to call if I did not add the person. I called the WF Online Fraud Hotline immediately. While on hold for 52 minutes, I was unable to logon to online banking, my online credentials were changed without authorization and the money was transferred out of my account. I had no way to stop the process and once my call was finally answered, I was told it was too late for the bank to stop the transfer.

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 2018-07-26
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Back in the middle of XX/XX/2018 I finish selling my home in XXXX XXXX California are Title Company advise me that after I received all my disbursements that I was to refund them back {$1500.00} to be used for County fees.. they told me they would return me the funds wants the county send them a duplicate payment.. it is now almost XXXX and I still have not received those {$1500.00} that were promised that would be returned to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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 being ignored regarding fraudulent applications done in my name without my knowledge and consent. I am unable to get approved for a much needed credit card because of this.

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 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$2600.00} ; XXXX XXXX Balance : {$490.00} ; XXXX XXXX XXXX : {$2900.00} ; XXXX XXXXXXXX Balance : {$2100.00} ; XXXX XXXX XXXXXXXX Balance : {$5300.00}.

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 2023-01-26
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Due to XXXX XXXXXXXX 's False Preapproved deceit I hard excessive hard inquiries and inaccurate information reporting. A few i dont remember. These accounts are not consistent on 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 XXXXXXXX XXXX XXXX I can't see my XXXX yet to dispute

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 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 writing to you because I started doing my own research online and I seen a couple people saying to reach out to you guys for help. I was a victim many of times of fraud in my life time and I documented it this time on paper. I sent the 3 major credit bureaus some papers stating that these thing on my credit report was fraudulent, but I don't know if they received it or anything. These accounts I have listed are fraudulant and I am just trying to get to the bottom of this situation so I can move on with my old life I have left. I hope these companies don't expect me to pay for someone else 's gain, because I only have money to pay for my bills and medication. I hope this letter finds you well and I also hope that you can help me because this is all fraud and I will attach my fraud report to this also. Thank you for your time and have a good day.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: EQUIFAX, INC.
State: OH
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:
I am having issues with my mail being send to out dated addresses. I finally pulled my credit report and found information that doesn't even belong to me on my report. please remove the following addresses they are not mine : 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 XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX My current and only address should be XXXX XXXX XXXX, XXXX, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-25
Company: Experian Information Solutions Inc.
State: GA
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, Georgia XXXX SSN : XXXX | DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA. XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX ACCT NUMBER NOT SHOWN ON REPORT Unverified Account XXXX XXXXXXXX XXXX XXXX XXXX Unverified Account XXXX XXXXXXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX  xxxxxxxxxxxxx XXXX Unverified Account XXXX XXXX XXXX xxxxxx XXXX Unverified Account US XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX ACCT NUMBER NOT SHOWN ON REPORT Unverified Account XXXX XXXX XXXX XXXX ACCT NUMBER NOT SHOWN ON REPORT Unverified Account XXXX XXXX XXXX XXXX ACCT NUMBER NOT SHOWN ON REPORT Unverified Account XXXX XXXX XXXX XXXX ACCT NUMBER NOT SHOWN ON REPORT Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Unverified Account XXXX   xxxxxxxxxxxx XXXX Unverified Account XXXX   xxxxxxxxxxxx XXXX Unverified Account XXXX xxxxxxxxxxxx XXXX Unverified Accou XXXX XXXX XXXXXXXX XXXX XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, 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 2020-01-23
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
Incorrect Bankruptcy showing on my credit report belongs to someone with similar name. XXXX has found it to be an error and deleted it. Experian and XXXX have refused to do so. I have attached my XXXX report showing there are no Public Records bankruptcies attached to my credit file. The address that was reported on the bankruptcy is not mine nor have I ever lived there. Please review the attachment and delete the error immediately. It has not been verified by anyone because it does not belong to me. The Northern  District Bankruptcy Court of Georgia have verified none exist for me nor have they given that information to Experian or XXXX due to their policy.

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 2021-03-31
Company: Social Finance, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Advertising for card said unlimited 2 % cash back. After signing up and receiving the card noticed the fine print. Saying it's actually 2 points for every dollar and depending on how you redeem it could be worth 2 %. If pure cash, it's only 1 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
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: Old information reappears or never goes away

Complaint:
FOLLOW UP TO PREVIOUS DISPUTE I am still waiting upon a resolution and a response from Equifax regarding a strange " loan '' appearing on my credit report labeled XXXX XXXX account number is XXXX .... 
This is an unfamiliar account which I have been disputing with just Equifax and I have had zero response since my initial dispute from my letter sent out in XXXX and then challenged the account again here on the CFPB portal in XXXX because I am concerned about my student debt rates that will be affected by this inaccurate account. No remarks have been placed on the account that this item is being disputed by the bureau, no information is available from Equifax or any monitoring company regarding who and what this account is in reference for and to whom I may contact for verification. 

I have never held an account with XXXXXXXX XXXX and I am not even sure what a Loan is from XXXX XXXX. Without validation, contact information or proper month to month status information how is this being reported towards my credit? This certainly was not verified and I feel as though a dispute was never entered because none is indicated nor have I received mail regarding the results or whom to contact. Please remove the account permanently. I don't understand why I am waiting so long for a resolution here. good XXXX it has been 3 months and I have no resolution and I keep being told to wait on a response ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In the process of obtaining an adult guardianship for my mother. My mother is being financially manipulated by a fake priest. Signed legal documents were served upon Chase Bank instructing them to freeze a specific checking account/annuity accounts that are jointly named XXXX XXXX XXXX. Rather, Chase Bank went and froze every account under the name of my mother. This problem has been lasting over a week and my mother has general routine bills that she has to pay. I have been paying legal fees of {$470.00} hour in an attempt to have XXXX fix the mistake in which they made. The last contact was that XXXX at a local Chase Bank forwarded the relevant documents from the court to the legal department on XX/XX/XXXX, 2017, to unfreeze the accounts that Chase mistakenly froze. 

I am jointly listed on the primary checking account ending in XXXX and the related accounts as per Chase Bank statements.

Company response to consumer: Closed with explanation