BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-19
Company: ARVEST BANK GROUP, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Arvest Central Mortgage company is charging me for PMI insurance past the termination date. Loan documentation ( which they purchased the loan from the original bank ) clearly states that XX/XX/XXXX is the termination date of PMI. Additionally and most importantly, my amortization schedule for the loan very clearly states that on the XX/XX/XXXX payment date, that {$0.00} is due for PMI. 

However, they are stating that I owe PMI payment for my XX/XX/XXXX payment in the amount of {$100.00}. 

I feel they failed to automatically cancel my PMI insurance and I had to call on XXXX to have it cancelled. Since they systematically failed to cancel my insurance, they are over charging me for 1 month and claiming that i owe. They are unable to provide any loan documentation on their end to prove to me that the amount is owed. 

I am concerned for my {$100.00} and also that this is a procedural failure on their end resulting in the overcharge of many others. 

In several phone calls to them, I have been unable to convince them that PMI insurance is not owed on my XXXX payment. 

I have attached 4 files : 2 are the Private Mortgage Insurance Disclosure 2 are the Amortization Schedule ( which shows XX/XX/XXXX payment to have {$0.00} PMI due ) Loan was taken with XXXXXXXX XXXX  and purchased by Arvest My Arvest Central Mortgage account number is XXXX Property Address : XXXX XXXX XXXX XXXX, MI XXXX Kindest Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have disputed this XXXX XXXX XXXX XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed however, the account payment status is late. The account payment status CAN NOT be late on an account that has already been closed. The account status is wrong and should be closed. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I want you to correct this misinformation on my file. 

XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED 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 non-monetary relief
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Faie Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2020-11-11
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Last week I made the effort to call Comenity bank to a XXXX XXXX credit card payoff. I spoke to several representatives. The 1st representative told me to pay for 3 months {$30.00} to bring my account current. I then told him I prefer to pay the balance in full. He transferred me to another department in Comenity and this person in collections was a Ms XXXX. I told her that I wanted pay off the amount in full but could we do a settlement? She put me on hold and then said instead of the {$1400.00} she would only {$1100.00}. Then she became very aggressive in speaking towards me. This woman spoke to me in a very condescending voice. That made me quite angry, how dare she talk to me like that! Quite of bit of this balance isn't for clothes I purchased it's from magazines this company pushed off on you. XXXX clothing store to my knowledge is closed. I have tried to get in touch with them but all you get is Comenity bank. I want to pay this off to rid of Comenity and their collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all 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 2021-06-01
Company: CITIBANK, N.A.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX or XXXX my account was compromised. Someone deposited two bad checks in my account that I was not aware of. I notified Citi bank on XXXX in XXXX XXXX Nevada, they said they would open up an investigation. I gave them a police report like they asked and everything. Theyre telling me that I will wind up having to pay back what I didnt do. They have also taken my actual payroll check because of this fraud and also closed my account. I have given them all info I had and I feel like they didnt do enough to help me out in this matter. They just automatically closed my account when I didnt do this! I have been with Citi bank for over 8 years. Never have I ever had any problems with them until now. Never has the ever happened as well. I feel as though they can see clearly that I had nothing to do with this especially in the many years Ive banked with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2022, ,Spoke With, XXXX XXXX, XXXX ( XXXX XXXX,, to Address A Few Issues,, Moving Forward About A W2 1099 Tax Form, And A Identity Works, ,He Didn't Really. Explain What The Plan Really Offer, ,Hr Lied To Me About This Plan, ,He Did Tell Me 3 weeks go That This Plan Pays Additional Fees To Me Too From Wells Fargo Bank , ,He Lied Again,,, I'm Very Upset About This Issue, ,Again I Think Wells Fargo Bank Could Still Offer More Money To Me They Didn't Care At All, ,So UnAcceptable Business Practices,,,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: PENTAGON FEDERAL CREDIT UNION
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 A MEMBER OF PENFED CREDIT UNION FOR SEVERAL YEARS NOW AND I CANT QUALIFY FOR NONE OF THEIR PRODUCTS. NO CREDIT CARDS OR LOANS OF ANY SORT. I EXPLANINED SEVERAL TIMES THAT SOMETHING IS WRONG WITH THE APPLICATION PROCESS WHEN I FILL OUT FOR A CREDIT CARD. FOR EXAMPLE IT WAS STATED THAT I HAD NEGATIVE ACCOUNTS ON MY CREDIT REPORT AND ALSO COLLECTIONS. BUT WHEN I LOOK AT MY CREDIT REPORT ON XXXX THERE ARE NO NEGATIVE ACCOUNTS ON MY CREDIT REPORT. PLEASE SEE ATTACHMENT. THE DAY I WAS DENIED ON XXXX THE XXXX MY CREDIT SCORE WAS XXXX. SOMETHING IS TERRIBLE WRONG HERE. I'VE BEEN MENTIONING THIS FOR YEARS TO THEM AND TO EQUIFAX. ON PENFED FICO PAGE IT STATES MY FICO 9 SCORE IS XXXX WHICH I CANT SEE HOW POSSIBLE WHENS THERES NO NEGATIVE ITEMS IN MY XXXX CREDIT REPORT. PLEASE EXPLAIN THIS TO ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This is my multiple request but time has already passed but up until now, I havent heard any kind of response from the XXXX Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of and kindly help me to delete these items : 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 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

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 2020-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX XXXX XXXX XXXX  XXXX  XXXX {$92.00} XXXX  XXXX  XXXX {$100.00} XXXX XXXX XXXX  XXXX {$1900.00} XXXX XXXX  XXXX XXXX {$1600.00} XXXX XXXX XXXX {$1500.00} XXXX  XXXX  XXXX {$1500.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX  XXXX  XXXX  XXXX {$730.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING 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 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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

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 2022-11-26
Company: Chime Financial Inc
State: AK
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Called chime numerous times about my {$2.00} funds that were in my checking account and I can't even log into my account it's saying account closed got into a heated argument then got hung up on Friday XX/XX/2022. My previous calls were XX/XX/XXXX and XXXX 2022 just to be told someone will be reaching out to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: Experian Information Solutions Inc.
State: GA
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:
I have new and updated information regarding CFPB Complaint Number XXXX. Experian falsely stated that the XXXX XXXX fraudulent inquiry furnished on my consumer credit report did not exist. I've attached exhibit A which reflects the fraudulent inquiry furnished on my consumer credit report. The second slide in exhibit a shows where Experian deleted this inquiry, but they portrayed that it never existed. Their deletion is admission to guilt and their willful noncompliance in violating my federally protected rights under the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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 2023-03-09
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: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: Experian Information Solutions Inc.
State: DE
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:
My credit report has many errors from addresses I did t reside on or never lived on, names I legally dont use to unauthorized credit inquiries with my consent even though my credit file must be frozen since last year. I have placed security freeze and fraud alerts, but somehow, unverified inquiries continue to be on my profile. I have reached out but no resolution from the bureau and others. I have been ignored and my credit had suffered unfairly. Please have them review my file and fix errors from wrong addresses, wrong employers to many illegal aliases and unauthorized inquiries. 

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 2023-10-12
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I mailed these letters certified mail to you and i have yet to receive A WRITTEN RESPONSE!!! MUST I PURSUE LEGAL ACTION!!!!?? 

XXXX XXXX XXXX XXXX Remove my items immediately or face legal action

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-29
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: Account information incorrect

Complaint:
Your company is reporting the below referenced accounts on my credit report as a collection account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank I have disputed these items with the credit reporting agency and they reported you confirmed the account as valid. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
To whom it may concern, After checking my personal credit with your company, I noticed that you are currently reporting incorrect information to my credit file. The personal information section on my credit report contains information that does not belong to me, I am aware that there are many individuals who may have the same name as I do, however only accurate information should be reported to my credit file. I am asking that you correct the following information. 

Please remove the incorrect names you have listed on my credit file. My name should only be listed as XXXX XXXX this is the accurate spelling of my name, and should only be listed as such. 

Please remove the incorrect addresses you have listed on my Credit File, My address is XXXX XXXX XXXX XXXX XXXX, Connecticut XXXX this is the only address that should be reporting to my Credit File, please remove any other listings that you may have. 

Please remove the incorrect phone numbers you have listed on my Credit File, my phone number is XXXX, this is the only phone number that should be reporting to my Credit File, please remove any other listings that you may have.

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 2021-06-01
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: Information belongs to someone else

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Lendmark Financial Services
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am currently enrolled in a debt settlement program. I notified the debtor, Lendmark Financial at the time of enrollment and provided the information to the company. On XX/XX/22, I received a call from XXXX at Lendmark to discuss my account. I informed her that I was enrolled with XXXX XXXX and she stated that the information was notated on the account. At the end of the conversation, I asked XXXX politely to not call my job again and to contact me via my personal cell. Less that XXXX minutes later, I received a call from Lendmark again, XXXX was the caller. I asked them why are they calling my job after I specifically just asked them not to call me at work.

Company response to consumer: Closed with explanation