BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-03
Company: Guild Mortgage Company LLC
State: IA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage to loan ratio is at 75 % and my lender is refusing to remove PMI from my mortgage. Everything I have read states it has to automatically be removed once the loan reaches 78 %. I received a letter back from them stating my mortgage is at 80 % and qualifies to have PMI removed but I have to get a BPO first and to do that I need to send them a check for {$150.00}. Not only should I not be sending them a check, they should be crediting my account back {$400.00} for the PMI I have paid since my mortgage reached 78 % back in XXXX 2020. 

I called in and explained this to them and they still insisted I need to pay for a BPO. Again, everywhere I am reading says the lender is required to remove PMI once the loan reaches 78 % and it is required to be free of charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: Colony Brands, Inc.
State: WA
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:
A hard inquiry appears on my XXXX  report from XXXX XXXX. This is unauthorized. I filed a dispute with XXXX  and they provided me with a contact phone number of XXXX which rings to Colony Brands. I do not do any business with XXXX XXXX or Colony Brands.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
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:
I was at XXXX today XX/XX/20 and I had my credit ran because I was trying to finance some phones but I was not approved to do so because when my credit report came back it had a few accounts in negative standing ; The account names and number are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. None of these accounts belong to me ; I did not open them nor did I give anyone permission to open these accounts on my behalf. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not contribute to any payments that might have been made towards these accounts. I don't know who is responsible for these accounts nor am I affiliated to nay of the companies listed above in any way.

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 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Ive disputed these items several times. I have no knowledge of ever opening these accounts. I have constantly called the creditors concerning this matter and none of MY information matched their file.The creditors illegally used the information that I provided to update their profile.

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 2021-04-03
Company: EQUIFAX, INC.
State: VA
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 was going over my credit report and there is XXXX XXXX XXXX which was opened on XX/XX/2018 and it is reporting as a negative account. I do not know this company. I have never done any business with them and they do not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: EQUIFAX, INC.
State: AL
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 Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 16 XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Early Warning Services, LLC
State: MN
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:
Attached to this complaint is a letter from XXXX XXXX Notice XXXX XXXX XXXX informing me my personal information has been compromised. The following information, bank accounts and hard inquiries currently listed and showing on my Early Warning Consumer Report ID : XXXX is fraudulent and the result of the XXXX XXXX XXXX XXXX and identity theft : XXXX XXXX XXXX XXXX, Bank Routing : XXXX, Account : XXXX, XXXX XXXX XXXX XXXX XXXX, Bank Routing Number : XXXX, Account : XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Routing Number : XXXX, Account : XXXX, XXXX XXXX XXXX XXXX, Bank Routing Number : XXXX, Account : XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
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:
I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Well they call me saying I got a phone from XXXX. I never had a account with XXXX I had a account with XXXX for almost 20 years. So I told them that but they keep harassing me by phone and letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: BANK OF THE WEST
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I sent a wire transfer to Bank of the West in California for {$20000.00}. for a vacation which was a fraud. My Bank here in Hawaii XXXX XXXX XXXX XXXX sent the transfer. I was suspicious 2 days later and I called the bank of the West to report it as a scam. They responded that it would be reported. I notified my bank and they also notified the Bank of the West of the fraud. 
i have tried to notify all the people who can help. I sent a report to the FBI, the FTC, and the Fraud dept in the US government. 
i know after reading about the scams online that the people who receive money through this means are called mules. The scammers hire them and they open bank accounts to collect the money for them. 
The money was received and collected at Bank of the West in XXXX XXXX. 
According to my bank the account has been closed by XXXX XXXX and no money can be retrieved. I believe that the Bank of the West is responsible for this as they were notified within 48 hours that it was fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: Experian Information Solutions Inc.
State: VA
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 started reaching out to Experian on XX/XX/XXXX to request the deletion of an account since the incorrect information was reporting. However, following the dispute, it was still appearing on my credit report, which I did not agree with. I contact Experian multiple times over the year a few dates were XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX. In which I finally received a response dated XX/XX/XXXX, which updated the account but did not resolve the matter. Actually, with these results the charged-off date which showed XX/XX/XXXX were adjusted to XX/XX/XXXX and then re-added as a charge off AGAIN in XX/XX/XXXX -- - which is when they had completed the dispute. This is completely inaccurate and greatly affecting my ability to obtain credit essentially defaming my character. I then sent letters explaining how the information report was false, and initially, they told me it was accurate and marked my dispute frivolous. However, that is not an option for me! So I filed another dispute informing them they re-aged my debt and marking it as a charge off in XX/XX/XXXX -- 2 years after it appeared closed it absolutely incorrect! They have failed to assist me in correcting this matter. I am filing a complaint because I am confident I have requested there help more than enough times in which they have failed to rectify the situation and delete the account -- which at this point should absolutely 1000 % be deleted per the FCRA laws. I look forward to hearing feedback 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 2020-07-23
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
I mailed a request to XXXX, Equifax and XXXX  to remove the fraud alert on my account. The letters were received on XX/XX/2020 ( see attached receipts ) As of today I still see the alert on my report on all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: PENTAGON FEDERAL CREDIT UNION
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:
WHILE I WAS IN XXXX XXXX, SOMEONE OPENED A FRAUDULENT ACCOUNTS UNDER MY NAME. THE XXXX XXXX AND THE PENTAGON FCU ACCOUNTS ARE FRAUDULENT, I NEVER OPENED ACCOUNTS I NEVER USED THESE ACCOUNTS. THESE ACCOUNTS ARE FRAUDULENT, I NEED XXXX XXXX AND XXXX XXXX AND PENTAGON FCU TO UNDERSTAND THAT I AM A VICTIM, THESE ARE NOT MY ACCOUNTS.

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 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 

Last XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused 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 non-monetary relief
Consumer complaint received 2019-03-16
Company: Asset Recovery Solutions, LLC
State: WA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was asked if it was me. I then asked them not to call me at work. I asked them to send me mail regarding account and was told they tried mail with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: Home Point Financial Corporation
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My mortgage was transferred to HomePoint Financial ( which identifies as a debt collection agency ) in XX/XX/2018. I called them and was told that they would reconcile my last payment with my previous lender, and there would be no issues for 90 days. In XX/XX/XXXX, I began receiving daily calls identifying a missed payment. I have provided evidence of all my timely payments to them, via email, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX after lengthy calls with their representatives. I have evidence that a monthly payment that was received and deposited, and have provided evidence of checks that have cleared. I have also provided a spreadsheet of my payments. 

Their response to my evidence is to provide a listing of payments that match neither the actual amount paid nor the timing of the payment. Please see the attachments below for detailed evidence. 

HomePoint Financial has been terrible to work with. You can never speak with the same representative, no one can tell you if your issue is resolved, and it is now three months of frustration. They are asking for late fees when none are due. I am worried about my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: EQUIFAX, 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:
I submitted a copy of my drivers license to Equifax That is government issued if am not mistaken that clearly shows my name as XXXX XXXX and my address Never in my life have i been known by XXXX so i would like to no were is proof that i actually went by this name and from who? I should not be jumping thru hoops and sending my social security # by mail enlarged with a copy of my driver License enlarged. I supplied required documents and i receive a letter it doesn't match what they have on file. Like they have a FBI file. False Reporting. Also they are reporting i owe XXXX and the address and phone number reported on report for mcu is false it is not Municipal credit union bank address or phone Number on report bogus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: HYUNDAI CAPITAL AMERICA
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: Account status incorrect

Complaint:
I called Kia three times to tell them they reported me 30 days late and they said they could not help me I had to send in documents to prove it and I got no response. I was never late on this lease I paid it off early in XX/XX/2019 I actually overpaid and when I called they said they will keep it use it for the end lease return of XXXX they would bill me for the balance of XXXXwe returned the car XX/XX/2019. In XXXX received a bill for XXXX which I paid. They are saying I never paid XXXX payment. The statements show I paid two payments in XXXX and XXXX paying off the lease early. They reported us to all credit reporting agencies saying we were 30 days which has taken our credit score down 100 points. I had automatic payments on this loan and was never late. I find it hard to  believe that the credit department at Kia can not see the problem and fix it then. They made me jump threw hoops to prove what they already know because they have the records in front of them. They wanted to argue with me on the statements I told them I paid two payments two months in a row so I could return the car early.

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 2020-07-16
Company: CL Holdings LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Consumer reporting agencies violated my rights as a consumer under United States Code Law 15 U.S.C. 1681b ( a ) ( 2 ) FURNISHING a consumer report in a circumstance other than in accordance with the written instructions of the consumer to which it relates.

I did not provide written instructions that would allow for a consumer report to be shared. Under 604 Permissible purposes of consumer reports, 15 U.S.C. 1681b, said report can only be shared by my specific written instructions, which I did not provide. 

I demand that the following accounts be removed at once from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the consumer reporting agencies are also in violation on these accounts with respect to 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) by their willingly and knowingly providing a consumer report containing information solely as to the transactions or experiences between the consumer and the person making the report. The law explicitly states that a consumer report does not include these items. Therefore, the aforementioned accounts and the transactional information relating to them must 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 non-monetary relief
Consumer complaint received 2020-12-04
Company: CITIBANK, N.A.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am 2 weeks late on my payment with Citi Best Buy card and have been receiving more and more calls per day. It started as 2 per day but has quickly escalated. I have received 4 robo calls already today and it's just now noon. Each time they leave an extremely long voicemail which after 4 fills up my inbox. I've received 2 calls within 30 minutes or each other. Times are hard right now and trying to collect in this manner is heartless. I was already denied help from citi without any explanation why. I understand I need to pay but harassing me non stop isn't the answer. I have attached proof of the 11+ calls in the last 3 days.

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 2020-07-16
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  all of them online collections gravel are account resolution services XXXX XXXX XXXX XXXX filed to 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 explanation