BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-30
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: Personal information incorrect

Complaint:
I have reached out to Experian, XXXX, and XXXX on multiple ocassions and via phone, mail, fax, and online disputing to have these errors corrected and they keep reappearing or being ignored. 

My personal information on my credit report should read as follows : NAME : XXXX XXXX ADDRESS : XXXX XXXX XXXX, XXXX, FL XXXX PHONE : XXXX EMPLOYERS : XXXX XXXX XXXX, and XXXX XXXX XXXX Anything other than what is written above is inaccurate and needs to be removed. I have contacted the companies associated with any accounts that may have it listed wrong, but it is STILL listed wrong and Experian, XXXX, and XXXX refuse to fix it. 

XXXX : NAME : XXXX XXXX- Not my name EXPERIAN : NAMES : XXXX XXXX. NOT MY NAME XXXX XXXX  NOT MY NAME XXXX XXXX XXXX NOT MY NAME XXXX XXXX NOT MY NAME PREVIOUS ADDRESSES : XXXX XXXX XXXXXXXX XXXX NOT MY ADDRESS XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX. NOT MY ADDRESS XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOT MY ADDRESS XXXX, FL XXXX XXXX : MY CURRENT ADDRESS IS LISTED INCORRECTLY. 
CURRENT ADDRESS IS : XXXX XXXX XXXX XXXX, FL XXXX NAMES : XXXX XXXX. NOT MY NAME PREVIOUS ADDRESSES : XXXX XXXX XXXXXXXX XXXX  NOT MY ADDRESS XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX. NOT MY ADDRESS XXXX, FL 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 2016-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion 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 please be 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 2022-01-30
Company: EQUIFAX, INC.
State: LA
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: Investigation took more than 30 days

Complaint:
I am filing a complaint again with the CFPB as I have not received any resolution from all 3 credit bureaus. I started this process on XX/XX/2021 and now I get letter asking for confirmation of my identity. I have provided it back then and now I am providing this again through the CFPB. Please act on all my disputes. I believe this is just another delay tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Experian Information Solutions Inc.
State: VA
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC

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 2016-10-07
Company: Guild Mortgage Company LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
Sir/Ms., My loan is closing in appx 14 days. I do not know, but HOPE you can help within the time-frame. The subject is " C. Services You Can Shop For '' change between the original and updated Loan Estimate. 

Summary Change Cost rose 34.4 % ( + {$1200.00} ) from the XX/XX/2016 estimate to the XX/XX/2016 estimate. 
First estimate : {$2400.00}. 
Second Estimate : {$3700.00} I do n't know if they are linked, but the Seller Credit changed from $ XXXX to $ XXXX ( $ XXXX from " Cash to Close ''. IF the two are supposed to off-set each other, then my net INCREASE in the " C '' section rose {$800.00}, or 32.7 %. I do not know of this is legal or illegal. If nothing else the change is unethical to me, and completely deceitful. It has caused high anxiety and agitation. 

Detailed Breakdown From Guild Mortage Company - UPDATED LOAN ESTIMATE XX/XX/2016, as written in the estimate : Date of Change : XXXX/XXXX/2016 Date of Re-Issued Loan Estimate : XXXX/XXXX/2016 Changed Circumstance : Change Affecting Settlement Charges Fee Changes Associated with Changed Circumstance : Received escrow fees and updated accordingly : Doc Prep {$200.00}, Doc Del {$25.00}, End was {$75.00} to {$100.00}, Title was {$660.00} now {$940.00}, Messenger {$50.00}, Notary was {$200.00} now {$250.00}, Rec Svc {$13.00}, Settlement was {$1500.00} now {$1800.00}, Sub Escrow {$62.00}, Wire {$25.00}, Deed Rec was {$100.00} now {$85.00}, Warranty Rec was {$21.00} now {$35.00}. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- From Guild Mortage Company - XX/XX/2016 C. Services You Can Shop For Title - Endorsement Fee {$75.00} Title - Lender 's Title Insurance {$660.00} Title - Notary Fee {$200.00} Title - Settlement Fee {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
On XXXX I called Sears Card to pay off and close the account. I approved an electronic payment thru my bank. On XXXX my lender drew a credit report which listed me as past due XXXX days. on XXXX, I called Sears Cards and was told that the payment of XXXX failed due to incorrect a/c #. at that point I authorized a new payment for the then balance. I asked that they contact the credit reporting services and advise them of the error, I was told that this would take 7-10 days. On XXXX I received XXXX letters from Sears stating that the account had been brought to a XXXX balance, but the Credit reporting services had not been advised. I 'm trying to secure a substantial loan, for a new home, my credit score has been dropped by XXXX points. I need the corrected, and I need it Quickly. I 'm paying rent until my house is started. I would appreciate your help in this matter. thank you..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-30
Company: EQUIFAX, INC.
State: FL
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:
I have contacted each company listed below as well as XXXX, XXXX, and Equifax in an effort to remove the following unauthorized inquiries from my reports as they did not receive my written consent to access my credit report. Each company told me that they don't accept phone complaints for inquiries despite their websites stating that I can dispute over the phone. They also don't accept disputes for inquiries online. 

The following inquiries are listed on my credit reports according to the corresponding Reporting Agencies : 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 XXXXXXXX XXXX XXXXXXXX XXXX EQUIFAX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I strongly believe that these Agencies are attempting to stall the process and be a bigger issue than a help in the process of me attempting to fix the errors in my credit report. 

These errors are negatively affecting my ability to get a mortgage, a loan, a credit card, and negatively affecting my ability to obtain my military security clearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I have contacted each company listed below as well as XXXX, Transunion, and XXXX in an effort to remove the following unauthorized inquiries from my reports as they did not receive my written consent to access my credit report. Each company told me that they don't accept phone complaints for inquiries despite their websites stating that I can dispute over the phone. They also don't accept disputes for inquiries online. 

The following inquiries are listed on my credit reports according to the corresponding Reporting Agencies : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I strongly believe that these Agencies are attempting to stall the process and be a bigger issue than a help in the process of me attempting to fix the errors in my credit report. 

These errors are negatively affecting my ability to get a mortgage, a loan, a credit card, and negatively affecting my ability to obtain my military security clearance.

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 2022-01-30
Company: Experian Information Solutions Inc.
State: PA
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: Problem with product or service terms changing

Complaint:
Experian XXXX XXXX XXXX XXXXXXXX XXXX  XXXX To Whom It May Concern : Pursuant to 15 ys6 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 us 1681 is the same as it is under 15 USE 1602 ( 1 ) which is " the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit '' Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 us 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41.

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 2022-01-30
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have three credit cards with CITI bank. One is an XXXX card with an annual fee of {$99.00}. I'd like to close that card but move my credit limit from that card to one of my other two cards with CITI. They will not allow that. So my choice is either pay {$99.00} fee per year to keep it open, or close the account and see my overall credit limit significantly decrease, therefore damaging my credit score. 

I spoke with CITI on the phone today and then used the chat feature, but they simply closed my account, saying they would not move the credit limit to another card and they would not waive the fee.

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 2016-06-01
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened up a bank account under an offer for a {$350.00} opening bonus but have not received the bonus despite multiple phone calls with the bank. I met all the requirement : I opened it online ( " You can open online '' per their website copy ) within the relevant time period, met the minimum balance requirements, and completed 5 bill payments by XXXX/XXXX/16. I was supposed to receive the {$350.00} bonus by XXXX/XXXX/2016, but still have not as of today, despite multiple phone calls and promises to investigate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hi, I want to buy a house and borrow Heloc and I have found out that one of the mortgage loan got mixed up with my sister because we both have same XXXX. This is the second time it happened to me and I tried many times trying to dispute with Transition and call XXXX about the error but they just to point their finger at each other. It has been more than 2 weeks now and I am running out of time to clear the credit report so I can close the transaction on XX/XX/2017. Please help me resolve this issue as soon as possible. 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 non-monetary relief
Consumer complaint received 2022-01-30
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I called Citibank NA to open a checking account and a money market account. I supplied authorization for an ACH transfer to take {$50000.00} from my XXXX XXXX XXXX  account to fund these two new accounts. I called them twice within the next month trying to get them to do the ACH transfer so I could use my account. I even had one customer service rep tell me to just do it myself. I would not since the authorization was given to them & I was afraid of it hitting twice and over-drafting my XXXX XXXXXXXX XXXX account. After another week, I gave up. I called them again and told them to close both accounts. I closed my XXXX XXXX XXXX  account and moved to XXXX Bank instead of Citibank. Three days AFTER I told them to close the accounts, they attempted two ACH transfers from XXXX XXXX XXXX to fund the accounts that I told them to close. XXXX XXXX XXXX  account was already closed. The only way I knew they tried to do the ACH transfers is because they sent me service charges notices. I called again. I spoke to a supervisor named XXXX who said he would take care of it. Now I received notice that both accounts were closed and I am supposed to pay the overdraft amounts on these accounts. I called AGAIN today. I was transferred to a supervisor but it was a bad connection & I asked her to call me back. She called, but as soon as I answered, the call dropped. I called again, held 20 minutes and got disconnected. I called again and got a supervisor, who said she could not verify the account with the information I provided. I told her that it is the same information that I provided for every single call and asked her to go over it again because she must have put something in wrong. She refused and said she could not help me. I asked her for her name and she would not provide it and hung up on me. I DID NOT overdraft my accounts. I have done absolutely everything I could to get this corrected, but this bank has repeatedly done nothing to correct their mistake. The bank involved is Citibank NA, Bank by Mail, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, phone XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-30
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: Personal information incorrect

Complaint:
I have reached out to XXXX, XXXX, and Transunion on multiple ocassions and via phone, mail, fax, and online disputing to have these errors corrected and they keep reappearing or being ignored. 

My personal information on my credit report should read as follows : NAME : XXXX XXXX ADDRESS : XXXX XXXX XXXX, XXXX, FL XXXX PHONE : XXXX EMPLOYERS : XXXX XXXX XXXX, and XXXX XXXX XXXX Anything other than what is written above is inaccurate and needs to be removed. I have contacted the companies associated with any accounts that may have it listed wrong, but it is STILL listed wrong and XXXX, XXXX, and Transunion refuse to fix it. 

XXXX : NAME : XXXX XXXX- Not my name XXXX : NAMES : XXXX XXXX. NOT MY NAME XXXX BANKS NOT MY NAME XXXX XXXX XXXX NOT MY NAME XXXX XXXX NOT MY NAME PREVIOUS ADDRESSES : XXXX XXXX XXXX BV. NOT MY ADDRESS XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX. NOT MY ADDRESS XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOT MY ADDRESS XXXX, FL XXXX TRANSUNION : MY CURRENT ADDRESS IS LISTED INCORRECTLY. 
CURRENT ADDRESS IS : XXXX XXXX XXXX XXXX, FL XXXX NAMES : XXXX XXXX. NOT MY NAME PREVIOUS ADDRESSES : XXXX XXXX XXXX BV. NOT MY ADDRESS XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX. NOT MY ADDRESS XXXX, FL 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: NC
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Citi financial called my home when I was n't there. Upon returning home, my boyfriend told me that Citi financial called to collect on a debt from Home Depot that had not been paid in 2 months, the amount missed, and the amount needed to pay to bring the account current. This account was personal. He did not know about the account and I did not want him to know about the account. I feel like they violated my privacy by sharing my personal information with someone other than myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: CITIBANK, N.A.
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I was issued a prepaid debit mastercard several months ago by Citibank in the amount of {$700.00}. I used all but {$170.00} and the card expired XXXX/XXXX/15. I called today at XXXX and asked them to issue me a new card so I can use the rest of my cash. They told me no, that I could not have another card. I asked if they could cut me a check then for the balance, and they said no. I asked for a supervisor and was also told this. I do n't understand what gives them the right to keep my money? Life happens, and I 'd been saving that card for school shopping for my children. I logged into my account with them and saw that it still had a balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed a collection account from XXXX XXXX XXXX XXXX with Transunion which appears on my credit report for a debt I don't owe. Transunion sent me a letter saying they wouldn't investigate the matter. I am a victim of identity theft. I want Transunion to send me the name and phone number of the person they spoke with to verify that the fraudulent debt is mine ; I want Transunion to provide me with a Contact containing my handwritten signature. Transunion can not put inaccurate information on my credit report while thumbing their nose at CFPB.

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 2015-06-02
Company: CITIBANK, N.A.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
had a late payment XXXX months ago with my mortgage company citimortgage,XXXX months after my wife filed a bankrupcy repayment plan for the payment and ever since then, they 've been reporting me XXXX days late to my credit agencies, after XXXX calls and a credit union dispute, nothing has changed, they are still reporting me XXXX days late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-30
Company: EQUIFAX, INC.
State: NY
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: Billing dispute for services

Complaint:
XXXX XXXX XXXX is reporting XXXX XXXX bring late 12 times which is inaccurate.

Company response to consumer: Closed with explanation