BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I just checked my personal credit report, just discovered an unauthorized and fraudulent credit inquiry made by XXXX on or about XXXX/XXXX/14 on TRANSUNION. I did not authorized anyone employed by this company or at this company or TRANSUNION to make any inquiry or inquiries and view or show my credit report to anyone, person, company, entity, business, co, corp or similar. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof Bearing my Signature or Request in Writing that I authorized them to view my credit report, then I am demanding that TRANSUNION remove the unauthorized and fraudulent hard credit inquiry immediately from my TRANSUNION credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Ive called experian and asked them to removed old personal information, they removed inquiries but never removed old incorrect fraudulent address. I asked them to remove old number and old address and employment history. And emails XXXX XXXX XXXX # XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI 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 2015-09-29
Company: CITIBANK, N.A.
State: WV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Citi-Mortgage promised me/us that they would grant the mortgage modification that I applied for, after they received {$4700.00} then never granted it. Little did I know at the time, the amount they said we were behind was never owed because they added a second Home Owners insurance policy to our fixed rate mortgage without our knowledge/permission when we already had a home owners policy. Seven months later, and after numerous phone calls I finally was able to break through and discover what they did. I was TOLD that I would be granted a reference number and a refund and the mortgage to be recalculated. The refund was never issued, the recalculation was never done, and even after a courtesy call from our Mortgage Modification Counselor apologizing for the mess and assuring us everything was going to be set right, three weeks later I received pre-foreclosure papers. There was no reasoning with Citi. Government, Lawyers or Officials knew what Citi was doing at this time so there was no direction to follow, nobody to contact who could help or understand. I finally filed a complaint with the XXXX Virginia Attorney Generals office and they instructed me to sell the house at a loss to avoid a " Short Sale '' and try to salvage any equity so we could survive because Citi was unstoppable and they never responded. We lost everything. What was ironic was that in the prior 9 months before the house was sold that I received and still have XXXX escrow statements showing a surplus in XXXX 6 month periods. The first was a surplus of {$600.00} and the second was a surplus of {$750.00}, which they never returned. It is impossible to have a surplus for over a year after Home Owners and Taxes were paid and claim a foreclosure. Last year I received class action papers stating that Citi had intentionally extorted over {$820.00} XXXX dollars, from over XXXX people, and passed it out to management for bonuses from this forced place insurance scam. Not only did they deceive us with the mortgage modification scam then they used our money to illegally foreclose. We did not owe them they money they claimed but there was nobody to stop them along with their Lawyers In XXXX Virginia XXXX PEASE NOTE!!!!! BELOW I NEED TO SELECT MAKING PAYMENTS AND PROBLEMS WHEN YOU ARE UNABLE TO PAY, because we actually went through their process and scammed then foreclosed when they refuse and refused to recaclulate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I submitted a dispute to all three credit reporting agencies. I just received a response from trans Union stating that the collections placed on my credit report by XXXX XXXX XXXX was verified. I had previously paid the original bill issued by XXXX XXXX and submitted copies of payment from the XXXX XXXX website confirming payment as well as all copies of bills. It greatly disturbs me that this investigation by Trans Union states the information was verified when I have paid what was owed and submitted documentation. The first time when I even heard of this collection agency was seeing it on my credit report. I do not feel it is fair for me to have to pay again for a bill I have already paid. I greatly question the dispute investigation validity. I am seeking help with this matter because I have worked very hard to maintain good credit and to have this invalid information on my credit report greatly disappoints me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My information has been compromised and I 'm just now getting copies of my credit report and all the HARD INQUIRIES ARE NOT MINE. THEY ARE FRAUDULENT AND I WANT THEM REMOVED.

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 2015-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I used the federal government 's website to check my credit report using TransUnion and as I had not recently gotten my credit score I purchased what appeared to be a one time credit score. Now my credit card is being charged a recurring charge for credit protection. It did not appear that I was signing up for credit protection, nor did I want credit protection. It was never my intention to sign up for a recurring service and it was not clear at all that I was signing up for such a service.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
The agency does not have my balance and limit accurate on my credit cards through XXXX XXXX XXXX XXXX XXXX is $ XXXX and balance is below $ XXXX XXXX XXXX XXXX balance is {$9300.00} NOT $ XXXXThe inaccurate limit is causing my ratios to be high when they are really not. Disputed but still not updated. The agency MUST report inaccurate information correct? I feel no one even read my dispute or even my request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
i requested a report from transunion and was sent to their site and was instructed to try their product and could cancel at any time as i understood at no cost when i call to cancel i was told there would be a XXXX charge to my credit card i hope that someone will contact the company and stop this from happening again i was supposed to get a XXXX report this is a complete ripoff thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-19
Company: JPMORGAN CHASE & CO.
State: KS
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:
There was a fradulent inquiry on my credit report for a Bank Credit Card on XX/XX/XXXX by : JPMCB Card XXXX XXXX XXXX XXXX, DE XXXX XXXX There was another fraudulent inquiry on my credit report for a Bank Credit Card on XX/XX/XXXX by : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NJ XXXX No phone number provided

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-08
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:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2017-01-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
On XX/XX/XXXX XXXX XXXX ( XXXX ) was notified to cease contacting me regarding a credit card debt ( letter attached ). The debt was sold to Portfolio Recovery who attempted to collect on the same debt. Portfolio Recovery was noticed to cease contacting me on XX/XX/XXXX ( letter attached ). On or about XX/XX/XXXX, I received another collection letter from Portfolio Recovery ( letter attached ). In my letter of XX/XX/XXXX, Portfolio recovery was requested to send to me verification of this debt and supporting documents. They never responded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I just received a response to my complaint and the CFPB closed the case without verifying the information. Which is disappointing. Anyway wells fargo lied about their response. I will tell you why. I filed a claim in XXXX of 2021 that was denied. The rep that I spoke to today by the name of XXXX told me the claim was closed in XXXX of 2021 which was false because I as a wells fargo customer had the right to dispute their decision which ultimately led to the claim being approved in XXXX of 2021 because I kept pushing about it being fraudulent but I was only given a partial credit amount and was told by the rep XXXX this morning that the claim in XXXX of 2021 was closed and the partial credit I received in XXXX of 2021 was from the merchant, not wells fargo. How ever the letter that I received in the mail from wells fargo states that I was only given a partial credit in XXXX of 2021 because they were limited on what they could do because of the time frame. Which I later found out by a completely different employee in XXXX of 2021 was 60 days. Nothing in this letter I received from wells fargo stated it had anything to do with the merchant. So again wells fargo lying to save their own behind. The lies just continue to add on with this company. Over the past 18 months and 40 plus people that I have been passed around too, just nothing but lies and misinformation. No one is ever on the same page, its always something different. I do not understand how this company can continue to lie and not take responsibility for a mistake that was made on their part and nothing come of it. I have wasted 18 months fighting them on this, and today get told I will not be receiving any compensation and the matter was closed. They continue to lie, the person I spoke to on the phone today lied. They are trying to lie their way out of something that they shouldnt be able to and its not fair to me the customer to have to fight this hard and take all the steps that I have been required to take in order to get the proper resolution to this matter.

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 2015-07-18
Company: CITIBANK, N.A.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have an offer on my home that would be a short sale. CitiMortgage is the XXXX lien holder and XXXX XXXX is the XXXX lien holder. CitiMortgage will accept {$470000.00} ( balance is approx. {$520000.00} ) and XXXX wants {$50000.00} ( balance is approx {$150000.00} ), This complaint is against CitiMortgage because they led us to believe that if we raised the {$50000.00} then the short sale could go through. We did raise {$24000.00} and was still working on it when CitiMortgage stated that any additional funds that we raised would have to go to CitiMortgage until the full loan balance was paid and THEN any additional funds could go to XXXX. Below is a Letter from CitiMortgage that specifically states that they would accept an offer of {$470.00} and the rest to help reach the {$50000.00} could then come from the buyer or seller. It does not state that the XXXX lien has to be paid in full! We have worked hard to come up with funds based on this statement from XXXX XXXX at CitiMortgage. Following is the letter that I copied and pasted from CitiMortgage to my realtor : Hello XXXX, We would still require an offer of at least $ XXXX regardless of HAFA or not. If HAFA is cancelled then we would allow 6 % to the XXXX lien and the rest to help reach the $ XXXX could then come from the buyers and/or sellers to satisfy the XXXX lien requirements. 

Sincerely, XXXX XXXXShort Sale/DIL NegotiationsXXXX XXXX *end of emailThere is no way we can pay CitiMortgage in full and then come up with {$50000.00} to XXXX XXXX . I am at my wits end as neither XXXX or CitiMortgage will help to resolve this issue and allow this short sale to go through.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX Bank alleged my Business Account was found on a known cyber criminals XXXX XXXX, so they closed the account and report to chexsystems under my personal social security number instead of the business XXXX " suspected fraud activity ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have reached out to them over and over again and I have sent a police report, FTC report and they are not willing to remove the account, this account was opened in the state of California and I have never lived there. I have even offered to do XXXX XXXX for Deletion for this account that isn't even mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
I have reached out to them over and over again and I have sent a police report, FTC report and they are not willing to remove the account, this account was opened in the state of California and I have never lived there. I have even offered to do A Pay  for Deletion for this account that isn't even mine.

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 2021-01-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I FILED A DISPUTE LAST MONTH AND I STILL HAVEN'T HEARD ANYTHING FROM THE CREDIT BUREAUS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I FILED A DISPUTE LAST MONTH AND I STILL HAVEN'T HEARD ANYTHING FROM THE CREDIT BUREAUS

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 2015-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a derogatory collection item in the amount of {$470.00} that appears on my credit report. I contacted the collection agency, XXXX XXXX, who reported the item to the credit bureau, in an effort to resolve the mistake ; they were unable to locate any account for me with my Social and all my identity information. They looked XXXX and the gentlemen I spoke with advised they have no account with my identity information and said they would delete the collection item.Since then, I ask them to remove the deragoatory entry from my credit repor and they said they would, Since then I have asked XXXX XXXX XXXX additional times for them to correct their error and all XXXX times they said they would.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
the consumer reporting agencies have infringed on my privacy. they have reported negative information to my consumer report, and by law before they put anything on my consumer report, they have to have written consent from me the original creditor and natural person. They also responded stating one of the accounts were verified and they updated another account. They can't verify anything that I didn't authorize them to do in the first place. that shows they didn't properly investigate and in the " TransUnion, XXXX, XXXX may have violated credit reporting rules, XXXX XXXX XXXX says '' Article that backs up what I'm saying and the CFPB even backed this up. XXXX XXXX admitted that some of the disputes they didn't look at and the one that they did look at, they didn't investigate they just pressed a button.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I RECEIVED A COPY OF MY CREDIT REPORT ON XX/XX/2022, ACCOUNT NUMBER XXXX HAS A BALANCE OF {$34.00} WHEN IT SHOULD SHOW A {$0.00} BALANCE. I TALKED TO SOME XXXX AT EQUIFAX OVER THE PHONE BUT IT NEVER GOT RESOLVED. SEE ATTACHED DOCUMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Ive initiated several disputes with transunion over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlines and that your site has told me to do. Still having issues with some accounts because Iguess they want to collect more money from these creditors because they get paid to report negative. It 's hurting my family. below are some documents i sent to them on several occasions. It really seems they keep accounts/collections on credit reports because the credit bureau will make more money the longer it 's there. Company XXXX & unknown medical collections are one in the same but neither one can really help ... .... So how is it the bureau claims to have all the info nut they ca n't find me in their system ... I think me and millions of americans are being lied to by the credit reporting agencies. Hope the fines keep coming. This is ridiculous.I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking.I am a victim of identity theft and noticed a collection from XXXX. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against XXXX in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. 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