BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called Citizens in XX/XX/2022 to remove my PMI from my condo that I purchased in XXXX of XXXX  as the value is significantly higher than when I purchased it. The updated value estimation combined with the amount of principal I've paid to date, I have over ~30 % equity. 
After multiple calls over multiple days, I was able to get in contact with a loan officer at Citizens who said they would put in the request to send me the letter detailing what I needed to do. No one else at Citizens ' mortgage phone system seemed to have any clue about how to reach their PMI department. Citizens sent me a letter explaining the criteria to remove PMI, which stated I must have at least 75 % equity and owned the property for at least 2 years ( which I should easily qualify for ). The letter also stated I should send a check for a BPO ( {$150.00} ) or an Appraisal Single Unit ( {$320.00} ), but did not specify which amount I should be sending the check for or how to obtain that information. 

I then spent another 1-2 weeks calling Citizens mortgage phone system nearly every day once XX/XX/2022 hit ( 2 years on my condo ) until I was able to get ahold of someone else who stated they could not give me the PMI department 's phone number but would have someone reach out to me. I spent a week waiting for a call to no avail. I then called the phone system for another couple days until I got someone else who said the same thing. Finally I got a call from a " XXXX XXXX '' ( XXXX ) on XX/XX/2022, who left a voicemail stating she would send me the letter packet that I had already received nearly 4 months ago! 

I immediately called her back but no answer, and left a voicemail explaining how I only needed to know which amount to write and send the check for. It has now been two full weeks without hearing back from XXXX XXXX or anyone at Citizens ' PMI department. I have been leaving voicemails for XXXX XXXX every other day asking for that simple answer so I can remove the PMI from my mortgage. It is as if Citizens is refusing to let people request PMI removal early, against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: WELLS FARGO & COMPANY
State: ND
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Our local Wells Fargo branch was closed. I decided to close my account since we no longer had a branch in the community. I called Wells Fargo on XX/XX/XXXX to close my account. I do not have check blanks for the account so I needed them to do a cashiers check. I was told it my take 10-15 days to receive my check and I may want to use an ATM. My balance in the account was {$1900.00}. I can not get that amount out of an ATM so I asked for the cashiers check. On XX/XX/XXXX I called Wells Fargo as I had not received my check yet. I was on hold for over 30 minutes and transferred 3 times only to be told that they meant to say 10-15 business days. I told them that I received a statement showing a cashiers check was cut on XX/XX/XXXX in the amount of {$1900.00} and I had not received the check yet. They told me the check had been but but had not yet been sent. It is now XX/XX/XXXX and I still do not have my check. I don't feel like it should be legal for the bank to keep my money after I close the 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 2022-04-24
Company: Experian Information Solutions Inc.
State: NY
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

U.S. DEPARTMENT OF EDUCATION Account # XXXX, XXXXDEPT OF ED 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 a 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 2022-06-24
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX US Dept of EDXXXX XXXX Account XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX  XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX  XXXX XXXX, Account # XXXX XXXX XXXX  XXXX XXXX Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX Account # 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 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 2022-09-19
Company: EQUIFAX, INC.
State: SC
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:
To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company. While checking the above report, it came to my notice that your Company has furnished five accounts on my report.

According to 15 USH 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through a medium.

As per the literal interpretation " Any medium '' includes any oral, written, electronic or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices At ( FDCPA ).

Pursuant to my rights as per 15 USC 1969 ( c ) I am hereby providing your formal notice to cease any further communications regarding these accounts immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency.

Any further contact by your Agent or Company, except a communication confirming your acknowledgement of this letter, is a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions 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:
My credit report is showing late payments to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX, XXXX. XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or Creditor 's customer service representative.

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 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company. While checking the above report, it came to my notice that your Company has furnished five accounts on my report.

According to 15 USH 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through a medium.

As per the literal interpretation " Any medium '' includes any oral, written, electronic or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices At ( FDCPA ).

Pursuant to my rights as per 15 USC 1969 ( c ) I am hereby providing your formal notice to cease any further communications regarding these accounts immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. 

Any further contact by your Agent or Company, except a communication confirming your acknowledgement of this letter, is a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation

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 2022-09-19
Company: Capital Accounts, LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022 Capital Accounts sent me a collection saying I owe them {$3000.00} with added interest of {$430.00} resulting in the amount of {$3400.00} I replied back via certified mail on XXXX2022 asking them to validate the debt that they are saying I owe & to cease any credit bureau reporting until debt is verified by me. They then send back a bill of service fees. On XX/XX/2022 I sent a 2nd debt validation letter stating that thats not enough to valid a debt saying I owe to please send evidence proof of the allege debt including specifically the alleged contract or another instrument bearing my signature. They didnt comply, sent the same bill of service also put the collection on my credit without me verify the debt and still adding interest

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: Block, Inc.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello I've been having problems with unauthorized charges and transfers to ppl I don't know I desputed theses transactions which were made in a different state than the one in which I reside cash app refunded most of the card transactions but for some reason made no mention of the {$1200.00}. Transfer that was included in the listing of unauthorized charges. When I complained about it they told me that the transaction was authorized! When It was made during the same time as the others The case number is XXXX they say it was made by me or someone authorized to use my account. But I don't have any other authorized users on My account! Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I submitted a written request to Transunion dated XXXX to validate a collection account from XXXX management Service that started reporting on my credit report XXXX. I don't know who this company is and I have never had any business with them. I received an email from Transunion today XXXX that they had completed my request and the information would remain on my report. Transunion has the date of my requested dispute as XXXX which is not correct since my written request was on XXXX. This discrepancy shows that Transunion is not doing the investigation. They just put a random date on when they claim the dispute was opened and then never really do the work per the FCRA. There is no way they did any validation of this collection account between XXXX the day I drafted mailed my written request and today when the say my request is completed and the collection account will remain on my report. Again, Transunion says this request for the dispute was opened on XXXX and it was not. Something is not right and Transunion thought I would not notice the error on the date of the requested investigation. The Transunion File Identification Number for the dispute that they say was opened on XXXX is 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 2020-04-16
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My dispute is in regards to my PMI. My calculations places my LT V ratio is between .67 % -.68 %. The original value my property is XXXX. The AVM value is XXXX. The value is not based on a certified apprasier, but on my current property tax value. 

The option that has been given to me has been to order a BPO cost of XXXX or make an escrow payment of approx.3000.00. 

I assume that the PMI would automatically be removed, buy I'm learning this is not the case with Wells Fargo. After 6 years of payment without ever a late payment. 

Thank you for your prompt attention.

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 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On Saturday XX/XX/22 I received a credit alert that i had a hard Inquiry from XXXX XXXXXXXX XXXX on my Trans Union Credit Report that i did not do or apply for. I called Trans Union and they gave me this file # XXXX and said i must file a report or dispute with you guys to get it removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hi My name is XXXX XXXX and I am Bringing to the attention of CFPB and the Credit Agency some Unauthorized inquiries were revealed when I just analyzed my credit report. I contacted the following creditors, and they have no documentation that I began such queries, nor have they provided any written permission, and they have failed to present any permissible reason. Although they do not have my written or verbal consent, I request that you DELETE these approved queries from my credit report as soon as possible, as there is no proof of any authorization or legal reason. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15U.S. Code 1681b in general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

The following inquires I have not done business with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My contact information is provided below, and I have included proof of my ID with current address to avoid any delays in your response time. I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. Sincerely, 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 2020-06-19
Company: Experian Information Solutions Inc.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
United States Department of Education continued to garnished wages for the amount owed for quite some time. If the debt is being satisfied according to DOE why the negative reporting? Reporting is a violation of FCRA. Requesting removal of negative reporting as this continues to decrease credit and creditworthiness.

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 2022-09-19
Company: Bridgecrest Acceptance Corporation
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 information incorrect

Complaint:
I recently reported inaccuracy of a 30 day late payment reported on my credit I actually reached out to The company and also credit reporting agency XXXX XXXX and after their so-called investigation they did not provide any proof of accuracy of this item I would like to have this item. 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 explanation
Consumer complaint received 2022-06-24
Company: FIRSTBANK PUERTO RICO
State: PR
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 already submitted more than 40 complaints, as shown on the included print screen shots, with lots of verifiable evidence, in which is clearly seen XXXX XXXX, their new partner after selling their operations here in XXXX XXXX, called First Bank, as well as XXXX XXXX, 3 main banks, are incorrectly reporting my accounts with them as delinquent, charged off, not paid as agreed, no matter all that is simply false : They, as the original financial institutions which granted me the required credit and account, for credit cards, charge cards or personal loan, are precisely the original financial institution : None of them are an indepemdent collection agency, where accounts are sent when the customer does not respond by any means in order to try to collect the debts. Precisely that was not the case with any of this accounts as the verifiable evidence shows. But, no matter your agency shows the following : " On your side through lifes financial moments.

Were the Consumer Financial Protection Bureau, a U.S. government agency dedicated to making sure you are treated fairly by banks, lenders and other financial institutions. '' The fact is, I never see anything like this statement shows from you, or the 3 Federal Courts system, or 3 main credit bureaus at all regarding all this, where I always presented evidence of clear violations against the Fair Credit Reporting Act, and the Fair Debt Collections Practices Act, and this keeps leaving my credit applications denied and denied, again and again, showing deliquencies that are false, profit losses that are false, and just leaving us no choice than either find a co debtor for critical needs, or looking for financial institutions like XXXX XXXX, precisely owned by one of these Banks, First Bank, which could lend us the money BUT A TOO HIGH INTEREST RATE : HOW IS THAT NONE OF YOU HERE AT THE CFPB, OR THE FEDERAL COURTS, OR THE 3 MAIN CREDIT BUREUS ABLE TO CONNECT THIS IS THE REASON FOR THIS BANK FRAUDULENT REPORTS? PRECISELY, THEY JUST WANT TO JUSTIFY TO CHARGE A TOO HIGH INTEREST RATE, JUST TO SATISFY THEIR UNFAIR CAPITALIST AGENDA : THEY JUST WANT TO EARN MORE MONEY, NO MATTER AGAINST THE LAWS, THEY ARE PRESENTING THEMSELVES AS COLLECTION AGENCIES AT MY CREDIT REPORT AND THAT IS FALSE, I PAID DIRECTLY AND ONLY TO THEM WITHOUT LOSING CONTACT TO THE ORIGINAL INSTITUTIONS AND EVEN TO THE ORIGINAL ACCOUNT NUMBERS WITH ALL RECEIPTS TO PROVE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX XXXXk XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX, Account XXXX XXXX, Account # XXXXXXXX XXXX  XXXX, Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX, Account # XXXX XXXX XXXX XXXX, 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.

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