BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-12
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was informed by my lender 's representative that I could eliminate my PMI on an FHA loan that several months ago had passed the five ( 5 ) year anniversary of it 's origination. She informed me that all I needed to do was pay for an appraisal and if the loan to value was at or below the seventy-eight percent ( 78 % ) threshold, the lender would remove the monthly PMI that I continue to pay. I paid for the appraisal and submitted it to the lender as she instructed me to do, but was denied the monthly PMI removal on the grounds that I needed to pay the PMI for at least five years ( which I have been doing ), the loan to value needed to be below the 78 % threshold ( which it is ), and that it was at the lender 's discretion as to whether or not they would remove the PMI ( this information was not provided ). I incurred the appraisal fee of XXXX and XXXX dollars ( {$350.00} ) and feel cheated by this lender 's misleading and negligent actions. I would like to have this matter investigated, as the appraised value of my home is XXXX dollars ( {$310000.00} ) as of XX/XX/2017. All I want is to have the monthly PMI removed from my loan and my appraisal fee fully refunded to me. I feel mislead and taken advantage of by this lender 's actions and seek assistance from the Bureau of Consumer Financial Protection to resolve this matter, since the lender has not corrected this problem. Thank you.

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 2020-06-21
Company: Experian Information Solutions Inc.
State: NJ
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:
There is a collection account on my Experian credit report that does not belong to me. This has been removed by XXXX  and Experian will not allow me to dispute this.

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 2021-12-13
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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX, I sent letters regarding inaccurate and unknown items on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate items within 30 days give reason to immediate remove these items from my credit report. It has been well over 30 days so the should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you caused. My information was also impacted by XXXX XXXX XXXX  and may have got into the hands of the wrong person.

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 2017-04-13
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My old apartments claimed I owe more than they sould have when I moved out and sent me to collections for the false debt because I refused to set up payments for the wrong amount. After several months the aparments corrected their error, did not offer to set up payments and left me in collections. 
The collection agency posted the false amount on all XXXX credit major credit reporting agencies. The collection agent has all the documentation which clearly states what could and couldnt be charged but still reported the wrong amount. I called and could not get them to correct the issue and was even told to " Learn how to read my lease ''.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
i disputed inquiries with Experian to remove my inquires. they never gotten back to me. i never applied for these inquires. They do not belong to me. I Called Experian several times regarding these inquires. I keep getting transferred, and they both will not provide me with any confirmation numbers. I really hope you can do this investigation to help me dispute these inquiries on my report! thanks!

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 2017-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX XXXX XXXX, a " hard '' credit inquiry was made by XXXX to Transunion. This inquiry was made and went through even though my credit was frozen at Transunion. I have tried to find out how this hard inquiry was allowed to go through when a freeze was in place. 

Note : This freeze has been in place since XXXX when I found out I was a victim of identify theft. The freeze is in effect with all 3 credit agencies ( Transunion, XXXX, and XXXX ). I have lifted the freeze on specific times ( to buy house, car, etc ) but immediately froze the credit again. Transunion has confirmed that my credit is frozen. 

As a result of this hard inquiry, an account was opened in my name with XXXX ( of which I am not and have never been a customer ). 

I want to know why Transunion allowed this inquiry to be made - as a result of it my identity has been used fraudulently and made me a victim of identify theft despite actions taken with Transunion to prevent such actions.

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 2019-12-17
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 DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX XXXX ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM NEITHER XXXX OR TRANSUNION, ALTHOUGH XXXXX HAS BEEN ABLE TO REMOVE IT COMPLETELY. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.

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 2019-12-17
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH Mortgage notified me in mid XXXX that I was delinquent making my XX/XX/19 payment. I had made the payment on time. I have made all my payments on time. Upon querying my online account my payment history indicated I had made the payment on time. However, my home page indicates I currently owe the payment plus late fees. I have been unable to speak with any PHH employee due to 17-28 minute customer service wait times. I submitted a message through the company message system with no response. PHH has threatened to report to the credit reporting agencies that I am delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Late fee

Complaint:
I purchased several items at Macy 's with their store credit card and there was some confusion about what exactly was owed due to an overlap in purchases and returns. I was therefore charged late fees and interest charges on my XXXX 2017 bill. 

I called the company in XXXX to discuss the situation. I was agreed I would be given a {$120.00} credit, if I paid my balance in full. I went to a nearby Macy 's and wrote a check for the amount of {$7100.00} on XXXX XXXX, which was cashed and should have brought my balance to {$0.00}. 

In XXXX I received a bill for {$32.00} in interest charges. I called the company on XXXX XXXX, and talked to operator XXXX. It was agreed that the charge should not have been made and that a credit would be issued to bring my balance to {$0.00}. 

In XXXX XXXX I received a bill for {$61.00} for the past balance plus new interest and fees. I called the company on XXXX XXXX and talked to operator XXXX. It was agreed that the charge should have not been made and that a credit would be issued to bring my balance to {$0.00}. I also requested that my card be cancelled and that I be sent a letter stating my balance was {$0.00}. The card was cancelled and a letter was received to that affect, but there was no mention of my balance being settled. 

In XXXX I received a bill for {$98.00} for the past balance plus new interest and fees. It 's therefore obvious at this point that the company is not adjusting my balance as agreed to on XXXX separate occasions.

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 monetary relief
Consumer complaint received 2019-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have been disputing inaccurate accounts on my credit report since XX/XX/2019, and letters have been sent every 30 days after. ( XX/XX/XXXX, XXXX, and XX/XX/XXXX ) I received one response from TransUnion and XXXX  ( XX/XX/2019 and XX/XX/2019, respectively ). I have never received any response from XXXX, and nothing from TransUnion or XXXX since the first. I have included the letters I've sent as proof.

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 2022-04-29
Company: EQUIFAX, INC.
State: MO
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 credo reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 section 602 status I have the right to privacy.

15 USC 1681 section 604 A section 2 ; it also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 credo reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 section 602 status I have the right to privacy.

15 USC 1681 section 604 A section 2 ; it also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for 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
Consumer complaint received 2019-12-17
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ABILITY RECOVERY SERVI XXXX XX/XX/2018 balance # {$2000.00} This account is not my responsibility. You belong to my medical insurance, please make a more thorough investigation and I have communicated directly with my medical insurance which has notified me that this debt is not my property ... please I need a resolution immediately ... .. I request all negative action in my credit report be corrected, eh deleted. Any kind of balance please contact, directly ... with the medicare office they are available ... thank you very much I hope solution immediatel

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 2019-12-17
Company: WELLS FARGO & COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
in XXXX of 2019 had identity stolen along with my car. told on recorded lines that i didn't authorize, also in writing asked for a finra complaint to be formally submitted. Wells fargo sent me letters claiming they researched it and found I did authorize. Finally forcing me to obtain police records etc. even after they were informed. they opened this account on line with no verification, they were not helpful. i work in this industry and my credit report is one item clients use when looking for a financial advisor. they were not helpful, and acted in an extremely unprofessional manner, given that they opened the account on line with no verification

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 2017-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Last month I informed Capital One Auto Finance that my pay dates had changed which would affect my direct auto pay for my vehicle loan. I requested that my XX/XX/XXXX payments begin on XX/XX/2017 and every other Friday thereafter ( XX/XX/XXXX and so on ). I was very clear in my request and was assured that the direct debits would take effect on the above dates. On XX/XX/XXXX, Capital One debited my account in error which overdrew my checking account. I contacted Capital One hoping they would IMMEDIATELY correct THEIR error. I was told that the call that I made to them in XX/XX/XXXX requesting the change would have to be listened to so that they could confirm that a bank error had occurred on their end in debiting my account on an unauthorized date. After they confirmed that this was the case, I was advised that they would return the funds to my bank account. While speaking with Capital One on my landline, I called XXXX on my cell phone. I advised them of the reason for the overdraft and the assurance from Capital One that the funds would be returned to my account. I was told by XXXX that a note would be added to my account so that when the overdraft fee hit my account, once Capital One returned the funds, XXXX would reverse the overdraft fee ( no fee for me and none for Capital One ). I am so upset since the funds have not been put back in my account yet. Yesterday, Tuesday XX/XX/XXXX, I called Capital One to ask why the funds had not been placed back into my account and I basically received a weak response that it POSSIBLY would take place tomorrow ( which is today, Wednesday, XX/XX/XXXX ). Well, that did n't happen. I am writing this complaint for two reasons. Capital One is a XXXX dollar financial institution, it is UNACCEPTABLE and totally UNREASONABLE that when they make an error of {$130.00} that they can not IMMEDIATELY correct that error, especially when they have caused harm to their customer. Also, it is equally UNACCEPTABLE and UNREASONABLE that the harmed consumer is expected to wait an ADDITIONAL time frame when they are to be reimbursed for bank overdraft fees ( if the financial institution issuing the fee is unwilling to reverse the fee due to an unauthorized debit that overdrew the account ). Hopefully by the time you receive this complaint, the entire issue will have been resolved, but that does not negate the fact that a bank of this size is able to conduct business in this manner. I did inform Capital One that I would be filing a complaint with the appropriate regulatory agency which oversees their business activities. This is an unacceptable policy that NEEDS to be addressed. Please reach out to Capital One!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: SUNTRUST BANKS, INC.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have a SunTrust checking that has a pending garnishment from XXXX XXXX on XX/XX/2019. At that time I didn't have any access to my account online and I was not receiving any statements in the mail. I went to one of the local branches and spoke to one of the Account Managers concerning my accounts. At that time she said there was no pending fees, and if I any other concerns please stop by any time. My mind concerns at this present moment, I received a letter from the bank stating that I owe them {$110.00}. Where are these fees coming from. I have know knowledge of this unlawful activity.

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 2021-12-13
Company: LEXISNEXIS
State: IL
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 contacted LexisNexis to have me removed from there system XX/XX/2021, than I contacted the XXXX XXXX XXXX XXXX  to request a letter as to if they report to LexisNexis and requested a credit report from XXXX, XXXX and XXXX to show that LexisNexis is reporting a bankruptcy and indicating the information was provided by the courts, I requested LexisNexis provide me the source of there information and was sent a letter that simple says, " After an investigation of the data in question, LexisNexis verified that the bankruptcy case # is accuraetly reporting on your LexisNexis RiskView report '', they will NOT provide the source as requested

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: AFNI INC.
State: CT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received an alert from XXXX that someone posted a debt on my credit report. All clear tried to conference them in to me but they stated they needed my address to verify who I was. I would not supply my address I asked them to supply the address of the person they were collecting the debt from. XXXX stated it was for XXXX a bill for {$150.00}. I do not have any accounts with XXXX. The representative was rude and would not discuss the issue with all clear and myself on the line. I told them I researched their company and there were several complaints of scam billing. Since I would not supply my address to verify they would not discuss my account. I know it was because all clear was on the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
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: Was not notified of investigation status or results

Complaint:
I have been disputing inaccurate information that is on my credit reports. I started disputing information on XX/XX/2019. Since then I have also sent letters on XX/XX/2019 and XX/XX/2019. I have not received responses from the bureaus throughout the process other than XXXX  and Experian stating they will no longer investigate items on my report. They are clearly receiving my disputes, but not responding. I have included the letters I've sent to the bureaus as proof.

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 2022-04-29
Company: Upstart Holdings, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Applied for {$45000.00} personal loan for a major purchase and was approved via an email and when I called in to verify the company said it was a marketing email although I just applied for that amount. So much for paying for that operation. See attached email.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Monday Capital one called me saying they may repossess may car because I have n't made a payment in a month. In XX/XX/2017, I made an agreement with them saying I would pay the balance by XX/XX/2017. In XX/XX/XXXX I became ill and need medical care. In XX/XX/XXXX had medical procedure and in the coming months will have surgery.When they called me on Monday they also said I had 10 days to make a payment of XXXX. I told the person on the phone I could not make any type of payment because I have outstanding medical bills. In XX/XX/XXXX, When I made the agreement with them nobody said if I did n't pay off the balance that my car would be repossessed they ONLY said, MY CAR WOULD BE CHARGED OFF. Capital One uses HARASSMENT TACTICS, UNETHICAL AND ILLEGAL BUSINESS PRACTICES.

Company response to consumer: Closed with explanation