BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-04
Company: CITIBANK, N.A.
State: DC
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 3 Credit Bureaus are reporting inaccurate information on DSNB MACYS. 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 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 2016-08-11
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage company denied my application for modifying my loan. In their denial letter, they stated, what I feel are, generic reasons for not qualifying for any of the modification programs. I have tried to ask for clarification, and a better understanding of why they believe I am not eligible, and they are unwilling to give me that information. While they did send an appeal form with the denial letter, it is kind of hard to appeal their decision, or interpretation of the information that I sent them, if they will not go into the details with me. It is also impossible to provide them with additional information, or point out a mistake that may have been made, which is the reason for the appeal, if they are not forth coming with how they came to their conclusion. A few examples, they claim my property has a negative NPV, but will not give me the numbers they used to arrive at this determination. They are using a credit score, XXXX of points below the credit ratings I have pulled up on line. They are using a property value, XXXX dollars below the market value of my property, even though I have submitted a copy of the last appraisal I had done, and have pointed out, that they used an appraiser who did a drive by exterior appraisal, and compared my property to others in the area that are less than 1/2 the size. I am trying to find out if their is a way to file a complaint with XXXX about this, and where I would go, or who I would call to accomplish 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 explanation
Consumer complaint received 2015-11-22
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Citi sent me at least XXXX mailing offers for an XXXX XXXX credit card with XXXX to XXXX bonus miles. I finally decided to sign up for one. During activation, the bonus miles were never mentioned so I called their customer service, who told me that I was not eligible for the promotion. I asked them why that was, given the fact that they sent me XXXX mailings about the offer to my home, which included a specific invitation number and my XXXX information. Customer service just replied " That is from marketing, not our issue. '' I was disgusted and canceled my card on the spot. Customer service was indignant and stated that " Citi is the largest bank in the world so we are always marketing ourselves. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I received a letter of foreclosure in XX/XX/XXXX from ASC ( Wells Fargo ) the reason I was in default is because : my Husband and I were laid off due to the recession of the country. I immediately apply for a loan modification but was denied. Then we failed for a Bankruptcy in XX/XX/XXXX but was dismissed. We have try numerous ways to get this loan Modification for the pass six years and no progress has been made. 
I am Frustrated to hear the same story about it going through a process for almost 6 years and I still having received help from Wells Fargo Bank.

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 2016-05-24
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo Home Mortgage is holding 3 payments of XXXX in an Unapplied Funds balance and stating they we are behind on our account 4 months. The account is only 1 month behind as they bill a month in advance. They stated via phone call that the funds they were holding from XXXX/XXXX/XXXX and XXXX/XXXX/XXXX in the amount of {$980.00} would be applied to the balance on XXXX/XXXX/XXXX. ( see attachment ) I spoke with a person named XXXX and named XXXX XXXX did not apply them and on XXXX/XXXX/XXXX we received another statement stating that they we had {$1400.00} in unapplied funds ( see attachment ). I called them again and spoke with a person named XXXX and she stated the 3 payments totaling {$1400.00} would not be applied to our balance until we made another payment. I then asked to speak to her supervisor and was transferred to a XXXX XXXX who informed me that he would have to look into it and that would take 10 days. 
Attached to the both of the statements one dated XXXX/XXXX/XXXX was a letter stating that we were 77 days delinquent and another dated XXXX/XXXX/XXXX stating that we were 105 days delinquent. XXXX XXXX also stated that were we behind in our monthly payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. We pay this bill through our bank, XXXX bill pay and I have attached our payment history to Wells Fargo for the past 24 months, that reflects we are not behind 4 months. The are counting the unapplied funds and the upcoming payment this is not due as of this date as late payments.

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 2016-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
" Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed : The inquiries are on my credit report which is attached.

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 2020-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 2 account that are showing on my credit report that should not be reporting

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 2016-03-20
Company: CITIBANK, N.A.
State: HI
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My credit report says that there is a credit card that has been open since 2002 when I was seven years old. There is no way that I applied for this card. The report says that the card is managed by DSNB and Citibank. I have not received any bills and was told by the customer service at Macy 's that there is no credit card in my name. Without access to the account number I have no means of closing this account. I am stuck in a situation where my identity and finances are at risk. I am scared that they will pursue me for purchases that I did not make and services that I do not want. 
I did an online search and found that I was not the only person in this situation. I desperately need help to close this account and to find out if any automated charges were made and to recollect any losses if possible. 

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 2022-10-26
Company: OneMain Finance Corporation
State: LA
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:
Always send pre-approval notes and when call or reach out run credit denied and unaware of things on report and it is affecting my score They say you are approved just to run credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Hello, I have attached an Excel sheet of my credit report with a color code, the yellows are inquires are made but not by me or even my permission, I suspect an identity theft. it seam to me that somebody want to issue a credit card under my name or buy some thing under my name or they might sent these bills to the old address which i moved since thtee years and I undated my new address by phone or online. 
The red coded color:XXXX XXXX XXXX XXXX they never sent me a bill, statement or email to notify me that i owe them money, they reported me without contacting me, However, I went online to check if I owe them and paid my bills. 
XXXX XXXX Mortgage company they were sending there statement to the wrong account I called them and inform them that you are trying to draw the payment from the closed account please change the account to another XXXX and I gave them the account number, they never bother to contact me when the XXXX payment came back to fix the issue, but they ran fast to hit my credit. I am current with them. 
XXXX XXXX they never contacted me or emailed me, but because I knew I bought something from them and longed online and paid my bill, XXXX months after I paid my bill they called me and told me that you have a balance of late charges which i am not aware of, I tried to explain what happened, but they insist that I have to pay these late fees which accrued because of their fault. 
XXXX XXXX XXXX XXXX : I filled the application in the store and filled my correct address, but I do n't know how they were sending my bill to the old address, they called me and discussed the issue and solved and I paid the the amount due at the same time. 
I do n't know why they reported me as a delinquentXXXX- the new employment - XXXX XXXX XXXX who I work for them, I contacted them and asked them, they told me we never ran your credit report and we do n't have the right to do without your permission .. 
please help me out to take all the highlighted items with yellow and red to improve my score. 
your help is much XXXX XXXX : XXXX account which I am not aware of at all, I never received a bill or an email from these companies, even

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have a car loan through XXXX bank. I have paid monthly payments on this car loan for 5 years. This loan isnt showing up on my credit report through Transunion nor XXXX. Not having this information is effecting my credit report. I need to get this information on my report as it is effecting my overall credit score.

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 2015-05-26
Company: ALLY FINANCIAL INC.
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
According to my credit score I believe I should have been give a lower APR rate but to being XXXX it was higher.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: EQUIFAX, INC.
State: CO
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 filing formal disputes with these 3 companies since XX/XX/2021 and they are violating the laws that are listed in each letter. I humble myself to be a law abiding citizen and yet the companies are bullying me and yet getting away with it. I will upload the attached letters and show you what I am speaking of. 

I am preparing for a lawsuit for {$5000.00} per company in the next 30-45 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a debt collection reporting on my credit that is not mines. I have no knowledge of how this account was reported. I have strong reason to believe this debt is the result of an identity theft. I have not authorized nor given anyone permission to do so on my behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
THE BUREAU TRANSUNION. WILL NOT PROVIDE A REPORT THE DOCUMENTS HAVE BEEN SENT 2-3TIMES THEY REFUSE TO SEND A REPORT.THAT VERIFY IDENITY

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02
Company: WESTERN UNION COMPANY, THE
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
{$500.00} was sent through Western Union to XXXX. The email containing the tracking number was hacked. A XXXX agent released the funds to a person who was not the designated recipient. When I contacted Western Union, they claimed their records showed the funds were released to the correct person. There would be no refund. I was to get the funds back from the person who collected them. I have no idea who that was.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Modification states Deferred Principal of {$31000.00} will be Cancelled Debt in XXXX over a period of time. However Select Portfolio sent a XXXX for the full amount of {$31000.00} for 2015 and thus we reported on taxes and all IRS docs full amount of Cancelled Debt for 2015 from Select Portfolio is {$31000.00}. 
Select Portfolio Monthly Statements still reflect only XXXX has been cancelled. Leaving a balance of {$21000.00}, which is incorrect as IT HAS BEEN CANCELLED as a part of the {$31000.00} as reflected on the 2015 XXXX. Select Portfolio states that is simply how they do it. I said it should NOT be on a statement as owing at all it has been cancelled via the XXXX. They said there 's nothing they can do. How can we owe something that has been cancelled? How can they filed an IRS doc stating it is Cancelled debt and not Cancel it on our account in full?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I file a dispute with Equifax regarding some public record judgements that did not belong to me and they stated the information was verified by the courts and public record information. After speaking with the courts about the verification they stated that they do not verify information and that sometime the bureaus may send someone to verify but the only information they can verify is the name because they do not record addresses or personal information in most cases. 
I then spoke with XXXX XXXX at Equifax about how they verify information, he then stated they send it through the electronic system, my question to him was if its done electronic how can you verify it because personal information is not public record and that all the information such as name, address, date of birth and social security has to match up, he continue to say its public record, there was no real answer but they continue to use the same information that was previous disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
XXXX   XXXX   2017  I mailed a certified letter to Transunion and   XXXX   disputing collections on my account and asked that they verify the account and to not just say " account verified " after investigation. It is my right to ask for verification and it 's the credit bureaus responsibility to provide verification and debt validation. These companies failed to do so.

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 2022-10-26
Company: Mr. Cooper Group Inc.
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I called Mr. Cooper Loans on XX/XX/XXXX to get a loan modification and was told I had 30 days to fill out the paperwork unfortunately I didnt have the information needed to fill it out and work got in the way. I called them again XX/XX/XXXX and they told me my house was in foreclosure since XX/XX/XXXX and this was the first I heard about it. They told me my only option was to pay the total amount past due by XX/XX/XXXX and to call back Monday or Tuesday for an amount. I called back and they informed me that I must pay {$10000.00} to reinstate my loan by XX/XX/XXXX because my house would be auctioned off that day. I had received no notice from the VA or Mr. Cooper loans and have tried calling the VA and only gotten voicemail. I have a letter from Mr.Cooper Loans in my possession that doesnt state anything about a foreclosure and says a reinstatement amount due of {$9400.00} by XX/XX/XXXX with {$7400.00} as the past due amount and the rest additional fees they added. My Mortgage was originally through XXXX before Mr.Cooper Loans took over on XX/XX/XXXX. My payment amount with XXXX was {$690.00} dollars a month but Mr.Cooper increased the payments to {$750.00} a month. The first actually notice I received in writing about a foreclosure was from the VA on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
FIFTH THIRD BANK-XXXX. XXXX XXXX XXXX MD XXXX, OH-XXXX ( XXXX ) XXXXItems was removed during successful dispute. Fifth third then put back on credit report and duplicated the account. Now shows two accounts. This is preventing me from obtaining loans

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-17
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I HAVE REPEATEDLY CALLED TO ASK AR RESOURCES INC TO FILE THE DEBT TO BE PAID WITH THE VETERANS ADMINISTRATION FOR THE XXXX OF WHICH I ON MY CREDIT REPORT. THE HOSPITAL WAS ALREADY PAID BY THE VA,,, AFTER 3 CALLS TO THIS COMPANY, THEY ARE STILL REPORTING AND KEEP TELLING ME THAT THEY ARE NOT GOING TO FILE WITH THE VA, BUT ARE A DEBT COLLECTION AGENCY.. XXXX XXXX XXXX =REFUSED TO GIVE THE NUMBER TO THE CLIENT, XXXX XXXX XXXX OR TO FILE FOR PAYMENT ON MY BEHALF.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Experian Information Solutions Inc.
State: MN
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 reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief