BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-01
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED DPT ED/XXXX US DEPARTMENT OF EDU DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED DPT ED/XXXX US DEPARTMENT OF EDU DEPT OF ED/XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US  DEPT ED DPT ED/XXXX US DEPARTMENT OF EDU DEPT OF ED/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Guild Mortgage Company LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Private mortgage insurance (PMI)

Complaint:
I make additional Principal Payment every month. My mortgage balance is now below 78 % of the original appraised value which was {$160000.00}. I was told over the phone that PMI must continue until 15 years of the 30 year loan. I tried to explain that I have paid additional money towards Principal, etc. The person I was speaking to was adamant. So I mailed Guild Mortgage a letter dated XX/XX/XXXX ( see attachment ). I also attach Guild Mortgage dated XXXX XXXX XXXX saying I would have to pay {$190.00} to them for an additional Broker 's Price Opinion ( BPO ). I also attach Guild Mortgage " Annual Private Mortgage Insurance Disclosure dated XXXX XXXX XXXX wherein under Automatic Termination of PMI " to reach 78 % of the Original Value '', which it was as of XX/XX/XXXX payment being made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: PA
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 writing to delete and correct the following information in my file. I HAVE REACHED OUT NUMEROUS TIMES PERTAINING THIS MATTER IN THE PAST FEW MONTHS!!! XXXX, XXXX AND EQUIFAX ARE REPORTING INACCURATE AND INCOMPLETE CREDIT INFORMATION ON MY CREDIT REPORT. ACCORDING TO TH FAIR CREDIT REPORTING ACT, SECTION 609 ( a ) ( 1 ) ( A ), YOU ARE REQUIRED BY LAW TO VERIFY, THROUGH THE PHYSICAL VERIFICATION THE ORIGINAL SIGNED CONSUMER CONTRACT, ANY AND ALL ACCOUNTS THAT YOU REPORT ON A CREDIT PROFIL. OTHERWISE ANYONE PAYING FOR YOUR REPORTING SERVICES COUL FAX, MAIL, OR EMAIL IN A FRAUDULENT ACCOUNT. 

I demand to see verifiable proof ( i.e : and original consumer contract with my signature on it ) that you have on file for the accounts listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 
I demand that the following accounts be verified or removed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Some one used my information to obtain car insurance. I called the company they informed me the car that was insured was registered to an XXXX XXXX. I do not know who that person is, nor am I affiliated with that person.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
these unauthorized inquiries is violating my consumer rights to privacy according to 15 USC 1681b 2, and also has also NO permission to report ANYTHING using my information according to USC 1681 4. 
I need them delete this unauthorized inquiries off my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted " THE COMPANY '' and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TRANSUNION Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports 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 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Box 1 : ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: Block, Inc.
State: IL
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I tired to use my on XX/XX/2023 for {$12.00} to get gas card declined due to unusual activity. I call Cashapp to find out why the card is blocked they say we need you to verify some information so that they can access the account I provided all the information they asked for. They tell me on XX/XX/2023 that they have send it to a specialty team for review I have not heard anything back from anyone and this is very frustrating that you cant even tell the person who account it is whats going on

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: The CMI Group, Inc.
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Clear this report from my information, this account was resolved with another collections company ( XXXX XXXX ) in XXXX of 2023 through the CFPB ; An amount of {$300.00} is owed by a XXXX XXXX of Wisconsin, after explaining this to a representative of Credit Management LP on XX/XX/XXXX, no action was taken to clear this from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: LOBEL FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I purchase a vehicle 8 years ago and 2 days later it broke down, I returned the vehicle back to the second hand dealership and they gave me back my deposit. Now, a lawyer for their finance department which is Lobel Financing is garnishing my paycheck of {$290.00} every pay check. I am single mother and my rent is {$1900.00}, this has caused me to be short on my rent each month. My children are young and I am not able to get a second job nor can I afford a babysitter. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The problem that I have with Experian is that they do not have a way to reach a real person when you call. I have tried at least 3 of their published phone numbers ( during normal business hours ), and always get the same prompts with no ability to speak to a person. I have questions and need help with their report and fraud process, but no one is available. When you call, the automated system refuses to transfer you to a person even when repeatedly asked. I don't think a company should have this much information about me when I can't even call and talk to someone. It is a one-sided relationship in their favor.

1. I tried to place an extended fraud alert on my report. Experian sent a letter that I needed to submit extra paperwork, but I sent all of that in with the request.

2. They opened a dispute on one of my old accounts that I didn't request.

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 2022-03-03
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I entered into a COVID-19 JOB LOSS forbearance program with US Bank , that began in XX/XX/XXXX. I did not make a mortgage payment in the months of XXXX, XXXX, XXXX, XXXX, XXXX, or XXXX. Over the six ( 6 ) month period I spoke several times with US Bank, via telephone regarding the terms of the forbearance program. I was advised to call US Bank in the fifth ( 5th ) month so US Bank could determine my options. 
In late XX/XX/XXXX I had a phone conversation with US Bank. I was offered a mortgage loan modification, as follows : Modification terms Unpaid principal balance : {$110000.00} Payment : {$860.00} Interest rate : 3.125 % Term : 360 Maturity date : XX/XX/XXXX First monthly mortgage payment due : XX/XX/XXXX XXXX payment was made : {$860.00}, with {$130.00} addl principal = {$1000.00} XXXX payment was made : {$860.00} XXXX US Bank refused to accept payment. No explanation was given, other than, I would have to reapply. 
XX/XX/XXXX payment of {$860.00} accepted, confirmation # XXXX I am still unable to make direct online mortgage 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 2023-03-26
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: Account status incorrect

Complaint:
on XX/XX/XXXX, XXXX XXXX XXXX released the lien on the XXXX XXXX XXXX. they stated the lien was satisfied. they also released the title. I demand this entire account be deleted due to inaccuracies. pursuant 15 USC1681B, I do not give XXXX permission to furnish fraudulent information.

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 2021-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX we paid off our Bank of America HELOC loan. 

Based on our payoff statement we were charged {$540.00} in interest through XX/XX/XXXX. We paid off the loan early on XX/XX/XXXX. A Bank of America representative explained to us any overage would be prorated and refunded to us within 20 business days of the payoff date. We calculate the amount of interest overpaid as follows : 26 days ( XX/XX/XXXX XX/XX/XXXX ) x $ XXXX/day interest = {$440.00} credit due We have spoken to Bank of America on five separate occasions each time being put on hold for over 30 minutes at a time and being given varying explanations for why we haven't received our overage. They have never called us back, we've had to contact them each time and each time they have a different reason for why we need to call back, email them information they already have regarding our account, speak to a different department, etc. 

It has been the single worst banking experience we have ever had and we would never do business with BOA again or recommend them to others.

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 2021-10-13
Company: Lendmark Financial Services
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
On the XX/XX/XXXX, I was approved to finance {$9000.00} with Lendmark Financial through dealer XXXX XXXX XXXX XXXX XXXX to purchase a XXXX XXXX XXXX. The original total for the Trailer {$13000.00} ( including taxes ), in which a payment of {$4900.00} was applied. This brings the total to {$9000.00} financed with Lendmark with APR of 20.999 * ( 21 % ). I reached out to Lendmark Branch manager XX/XX/XXXX to request a payoff amount, after making 2 months payments of {$240.00}, totaling {$480.00} and I was advised {$9100.00}. I inquired on the calculation used to determine this amount and I have received a calculation nor a response. General APR of 21 % calculation, with a loan amount of {$9000.00} equals {$230.00} for a term of 2 months. My issue has been escalated XX/XX/XXXX to the District Manager, who advised " I will return your call today. '' I have not received a callback as of today XX/XX/XXXX a week later. I have made multiple contacts to reach the District Manager for clarification. I am concerned about why {$9000.00} with an 21 % APR with a 2 month term is {$590.00}. Please assist and provide an explanation. Please note per general APR calculation of 21 % on a {$9000.00} loan amount and term of 2 months total {$230.00} interest. I am disputing a difference of {$350.00}, Please clarify.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

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 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 didnt authorize anyone to pull my credit and it was well over 45 inquiries in total

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
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: Account status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving 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 2023-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX {$1800.00} CLOSED CHARGE OFF XXXX {$14000.00} CLOSED CHARGE OFF

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 2023-08-16
Company: Experian Information Solutions 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:
In accordance with the FAIR CREDIT REPORTING ACT XXXX XXXX HAS VIOLATED MY RIGHTS.

15 USC 1681 SECTION 602 A STATE I HAVE THE ROGHT TO PRIVACY.

15USC 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT WRIITEN INSTRUCTION.

15V USC 1666B A CREDITOR MAY NOT TREAT PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE

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