BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-23
Company: WEICHERT FINANCIAL SERVICES
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have been requesting the removal of PMI since our mortgage reached 80 % of the original value of our Mortgage. When we began requesting the removal of PMI Weichert sent us a package explaining the options for which PMI was to be removed. We followed the instructions and ordered an appraisal of our home, through Weichert. The appraisal came back and they still denied the removal of PMI. At 78 % of the original mortgage Weichert did not automatically remove our pmi pursuant to the package they originally sent to us. In XX/XX/XXXX which is the date our original amortization table shows we would be at 78 % for automatic removal and they did not remove it and we requested removal again. This time we received a letter dated XX/XX/XXXX requesting we pay additional principal payment of {$540.00} to bring the principle to 70 % of the original loan and pay for an appraisal through Weichert to have PMI considered for cancellation. This is a direct contradiction to the previously received packet that states : " First Mortgages secured by 1 family principal residences / 2nd homes Earlier of [ 1 ]  the date that the mortgage balance is first scheduled to reach 78 % of the orginal value of the property ( lower of purchase price or appraised value ) or ( 2 ) the first day of the month after the date that is the mid-point of the mortgage amortization period. '' I tried to contact Weichert direct by phone on the provided letters on  XX/XX/XXXX and spoke a customer service representative named XXXX. I informed her the letter I received contradicted what we received previously and would like to speak with someone in PMI department. She said a letter date XX/XX/XXXX stating that our PMI was being terminated, I confirmed with her that was the case. I inquired about a refund for PMI payments made after automatic termination was supposed to take place and she said everything will be explained in the letter. On XX/XX/XXXX I received my mortgage statement for XXXX and I was surprised to see a charge for PMI. I did not call Weichert yet as XXXX stated a PMI termination letter was sent on XX/XX/XXXX. Today XX/XX/XXXX I received a letter dated XX/XX/XXXX stating to qualify for PMI cancellation at this time I may either pay XXXX to bring down my principal to 70 % of my original value and order an appraisal through Weichert. Weichert has violated the Homeowner 's Protection Act and I have done as much due diligence to have them comply. I have never missed a payment and there are no payments in arrears.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: Experian Information Solutions Inc.
State: NE
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 debt accounts with Experian regarding accounts from XXXX XXXX  and XXXX XXXX. XXXX  is not able to verify my debt accurately and according to FCRA.

I called them on XX/XX/2018 requesting verification of debt. I was told that I would be mailed verification within two weeks ; I have yet to receive any verification. XXXX has sold my debt to a debt collector with whom I have no contract with and they refuse to accept payment of my debt. I also never received notice that my debt had been sold as well ; This violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. I requested that each common verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA. Experian failed to collect the proper information as asked for above and never verified the 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 explanation
Consumer complaint received 2021-11-29
Company: Bread Financial Holdings, Inc.
State: AZ
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 opened XXXX XXXX-XXXX  late payments from XXXX  Want to have them removed please. It has been XXXXyrs, payment history is exceptional now. 

XXXXXXXX XXXX XXXXr-opened XXXX XXXXXXXX late payments, it has been XXXXyrs, would like removed.payment history is exceptional now. 

XXXX XXXX XXXX XXXXXXXX late payments. payment history is exceptional now. 

XXXX XXXX XXXX XXXX-Paid in full, still shows on Report, need removed. 
I dont have amounts..to long ago XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
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: Information belongs to someone else

Complaint:
Dear Sir or Madam : I am a victim of identity theft. The thief [ made a fraudulent transaction/opened a fraudulent account ] in my name with your company. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of business records relating to the fraudulent [ transaction/account ] identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic.

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 2018-03-23
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient directed me towards multiple deferments and forbearances and I believe that this was done in a misleading or disadvantageous way to me. Periods of deferment/forbearance include but are not limited to XX/XX/XXXX- XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX- XX/XX/XXXX XX/XX/XXXX- XX/XX/XXXX XX/XX/XXXX- XX/XX/XXXX I feel that there were better options that could have resulted in low payments instead of these excessive forbearances and deferments. This has come to light as I am applying for student loan forgiveness and was shocked to learn the number of months I had actually spent in deferment/forbearance, which do not count towards the 120 payments to get loan forgiveness, whereas if I had been steered towards income based repayment plans with payments as low as {$0.00} I would have been able to count many of these months towards the 120 payments. I feel that I was misled away from these types of payments and towards these excessively lengthy holds on payments. I also feel that it was not properly explained to me up until very recently, summer of XX/XX/XXXX, that any and all income based repayment plans are not meant to have the loan ever be paid off but rather forgiven instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
On Wednesday XX/XX/2017 I went to test drive a vehicle at XXXX XXXX in XXXX, IL. Upon checking my XXXX today I noticed XXXX hard inquiries for the date listed above. However, I never personally applied for credit with these creditors listed : Td Auto Fina, XXXX XXXX I, XXXX XXXX, XXXX  XXXX, and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: ENOVA INTERNATIONAL, INC.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I applied for a loan at cashnet USA online and was approved on XX/XX/XXXX and I get paid once a month because I get XXXX from the XXXX XXXX XXXX so I told the representative that I got paid on XX/XX/XXXX and I told the lady that I was going to pay a partial payment that consist of {$120.00} and the representative name XXXX told me since I get paid monthly that my next payment would be due on XX/XX/XXXX and since then I have received an email stating that I have another payment coming due on XX/XX/XXXX and I don't get paid like they have schedule because it has not been 30 days until I get paid again so I'm writing to see if they are in compliance with the truth and lending act because they are suppose to collect my payment according to when I get paid not before I get paid and cashnet USA pretend that the state of Louisiana gave them permission to collect money in 8 to 14 business days. This is very unfair to me because I have stretch my money from the XXXX of each month to the next pay day.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: Convergys
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This Encore company has called me at least 4 times a day nearly everyday, including Sundays and Saturdays, as early as XXXX XXXX. They will all and hang up as soon as I answer, or they will go to voicemail and leave no voicemail. When I call back sometimes they hang up on me when I demand more information from them, since they are asking me for my information. The calls are 100 % harassment and I have already asked them multiple times to only correspond with me via standard mail, as my job requires me to wear PPE which I must remove every time I get a call. They are impeding my ability to perform at work and to rest at home. Totally predatory and non helpful, this is not the first time this company has been in trouble for this.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: Continental Services Group, Inc. d/b/a ConServe
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
CONTINENTAL SERVICE GROUP INC A DEBT COLLECTION AGENCY Tell XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXX Creditor Fake Account XXXX Name XXXX XXXX  XXXX Total {$50.00} Reason, I never studied in this college and they didnt accept my admission application, and they were keep sending me email for admission form fees with out accepting my applicant, even I filed this college complain about their XXXX  behavior to Dept of Education during the application process I want to take a legal step after logging this case to CFBP, please see in your attention .for immediate any queries, its my direct number XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: EQUIFAX, INC.
State: AZ
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:
Equifax permanently deleted and blocked the following account from my Equifax credit report between XX/XX/XXXX-XX/XX/XXXX. The following account and late payment is showing up on my Equifax credit report again : XXXX XXXX XXXX XXXX account number # : XXXX for {$5100.00}. I have no child/children. XXXX permanently blocked this account between XX/XX/XXXX-XX/XX/XXXX. The following address dont belong to me : XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, MN XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-24
Company: Sequium Asset Solutions, LLC
State: FL
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: Problem with personal statement of dispute

Complaint:
RE : CFPS # XXXX Dear Sir/Madam : Please help me in my dilema, my credit score was almost at XXXX & I just reviewed and XXXX has reported a collection of {$110.00} and has brought my credit score down 25 points. 

I was a customer of Bright house for 30 years NEVER a late payment their price increase when XXXX took over were too high so had no other choice but to go with XXXX. 

I have worked for XXXX XXXX XXXX  settings and the collection agencies work for you so you do have the capability to pull an account from collections. I continuously called a XXXX no respone you would think someone would take the time to reveiw a persons good standing record and correct it. 

I am attaching an original letter sent to you for my original complaint from a {$49.00} package that was sold to me with a promise to pay the remainder of my XXXX contract which I was paying {$77.00} per month owing 3 months their bill totalled $ XXXX for basic cable which the package they installed was a spanish package which I did not order and by the early evening it was cancelled and my husband returned the equipment the next morning. 

We are senior citizens living on a fixed income and quite frankly {$160.00} for basic cable is " outrageous ''  By the Grace of God XXXX took us back and only charged us {$89.00} for cancelling before hand as opposed to {$300.00} however our new monthly payment is {$100.00}. 

This is a multimillion dollar company and when XXXX took over it spend millions on their new ads and of course who pays the consumer. It is not the money that is owed it is the principal of the matter. 

PLEASE help me obtain justice in this matter, these companies have insurance for these issues it was their error misleading customers, selling a package and installing another. 

I want this collection pulled from the credit burea completely as if it was their error because if it remains on my credit report it is hindering me. 

Thanking you in advance for all your efforts " CFPB ROCKS '' I am totally confident that you will be able to assist me in this matter and/or direct me to someone that can. 

Again, thank you in advance Please Stay Safe XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: EQUIFAX, INC.
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:
We received several hard inquiries from one company ( Equifax Mortgage ) ( pulled by XXXX XXXX ) I only authorized them to pull my credit one time. My wife didnt authorize them to pull hers at all. They pulled both of our credit report several times now we both have several hard inquiries on our credit reports, which dont look good to lenders! I called the lady who pulled our credit multiple times but she refused to remove all those unauthorized hard inquiries!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
- I bought a XXXX computer for {$470.00} on XXXX/XXXX/XXXX - I received the product on XXXX/XXXX/XXXX, and returned the product 1 day later, that is XXXX. XXXX confirmed the receipt of my return on XXXX. 

- XXXX did not process my refund until XXXX/XXXX/XXXX after multiple calls from me to XXXX. 

- Since the refund was not reflected on my Citi Bank credit card, I asked Citi to check and they see no refund, while XXXX kept confirming they refunded already.

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 2019-04-05
Company: EQUIFAX, INC.
State: NC
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:
reason- I disputed inaccurate unverified items reporting on my Equifax report XX/XX/2019. Equifax claims to have verified but they have not furnished the requested documentation used to support their claim. Therefore Equifax is continuing to report false information on my file. They need to remove these unverified inaccurate items immediately : XXXX XXXX XXXX XXXX*** pay status is inaccurate. delete immediately XXXX XXXX XXXX XXXX*** XXXX XXXX***pay status is inaccurate. delete immediately XXXX XXXX XXXX XXXX   XXXX***pay status is inaccurate. delete immediately XXXX   XXXX***pay status is inaccurate. delete immediately XXXX XXXX***pay  status is inaccurate. delete immediately XXXX XXXX XXXX***pay status is inaccurate. delete immediately XXXX   XXXX****pay status is inaccurate. delete immediately XXXX XXXX***pay status is inaccurate. delete immediately XXXX   XXXX***type of account is inaccurate. delete immediately XXXX XXXX***pay status is inaccurate. delete immediately XXXX XXXX***pay status is inaccurate. delete immediately XXXX XXXX XXXX***pay status is inaccurate. delete immediately XXXX XXXX***pay status is inaccurate. delete immediately XXXX XXXX***type of account is inaccurate. delete immediately XXXX XXXX 7788***pay status is inaccurate. delete immediately XXXX XXXX***type of account is inaccurate. delete immediately XXXX XXXX***account type is inaccurate. delete immediately XXXX XXXX XXXX***type of  account is inaccurate. delete immediately XXXX XXXX XXXX-inaccurate court name. delete immediately XXXX XXXX XXXX***inaccurate pay status. delete immediately XXXX XXXX XXXX***inaccurate pay status. delete immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I requested a credit limit increase and, without my knowledge, pulled a hard credit check which affected my credit score. Totally unprofessional and illegal. 


Congratulations! We are pleased to approve your request for a higher credit limit on your account. Your new credit limit is {$28000.00} and is already available for your use. 

If you have any further questions about your account, please call us at XXXX or visit Citi Online. 

We value you as a customer and appreciate the opportunity to serve your financial needs. 

Sincerely, XXXX XXXX Please

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 2022-08-08
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:
This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove these items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXXXXXX XXXX XXXX Date of inquiry XX/XX/2XXXX XXXX XXXX XXXX Date of inquiry XX/XX/20XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX  Date of inquiry XX/XX/2020 XXXX XXXX XXXX  Date of inquiry XX/XX/2020

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 2020-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have disputed a bankruptcy inaccuracy several times via certified mail and online dispute to the credit bureaus. The company has received my dispute each time. Upon receipt my request was to verify the information and once verified inform me of the source. The bankruptcy was verified through XXXX XXXX who stated they verified it through the courts. That is false information because the creditor in this case is the bankruptcy court who does not verify anything. They sent me a notarized letter stating this. XXXX XXXX is a 3rd party vendor and that was against FCRA. I have reached out several times with supporting documentation to have it deleted as this is false information they are 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 2018-01-06
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX, 2018 my credit report was used without my consent from XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have requested on multiple occasions that Experian remove a fraud alert and add my phone number so potential creditors can contact me or approve credit. 
they have failed to respond or remove the fraud alert

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