BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-13
Company: Mid-Atlantic Finance Co., 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:
15 USC 1681 section 602 states : I have the right to privacy.

15 USC 1681 sections 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: EQUIFAX, 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:
This complaint regards my XXXX XXXX  account and improper investigations by furnished and all CRAs. This simple matter has been and should be escalated to XXXX XXXX  Chairman, XXXX XXXX XXXX, in XXXX as efforts by XXXX XXXX XXXX XXXX  have not fixed the willful FCRA violations. I have attached 2 letters from XXXX XXXX, dated XX/XX/XXXX and XX/XX/XXXX, both stating my XXXX XXXX  was voluntarily closed on XX/XX/XXXX and has not been reported as open since. XXXX. Today, on XX/XX/XXXX, I noticed that an illegal Facially False Data change was to my Equifax attached credit report changing the previously reported closing date from XX/XX/XXXX to now the incorrect date of XX/XX/XXXX in complete disregard from internal control safeguards required to protect such a change, Moreover my attached XXXX report of XX/XX/XXXX still reports my account inaccurately as OPEN despite 3 months of disputes. As XXXX XXXX XXXX told a bad actor : Stop screwing over consumers. Delete my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: KY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-08-12
Company: Possible Financial Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Possible Financial INC reported a collection XX/XX/2020 amounting too {$140.00} which has since been reported as Identity theft to the police department and the FTC.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Each time that I submit a dispute they lower my credit score and retaliate against me as I just received notification that my score dropped by XXXX points. 

There have been multiple complaints listed with the credit reporting agency named Experian.

Some information is over 7 years old, but they have a incorrect date reflected and will not update and remove the negative account.

Some information doesn't belong to me and they have failed to update the information.

The number of credit inquiries were not authorized by me.

They have failed to update the address and remove multiple incorrect information.

The same for employment.

There has not been any positives for the student loan payment history and accounts in good standing.

Medical collection accounts have not been removed for medicaid insurance and even with multiple disputes as they have aged out of the 7 year they will not remove the information.

This is seriously impacting my credit preventing me from purchasing home, mortgage, credit cards. And other financial opportunities to make my life easier, and I believe they have my credit being reported on harder criteria or scales than others and probably always to 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 explanation
Consumer complaint received 2023-03-13
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am A Victim Of Identity Theft I Tried Calling A Company To See What Information Is Being Reported About Me & They Refused To Release Information & Requested Me Right A Letter I Will Right This Letter Aswell As Letting The Legal Authority Know After I Already Filed Police Report I Will Also Include A Copy To The Company

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have been affected by the XXXX XXXX XXXX. There are discrepancies throughout all of the major credit profiles such as XXXX, XXXX and Experian. My information has been released without my consent. These several inaccuracies within my credit profile need to be rectified and need to show the exact same through out each.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: NJ
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, this creditor has violated my Rights! Under Act 15 U.S.C 1681section 602 says, " I have the right to Privacy ''. 15 U.S.C 1681 section 604 A section 2 states, " It also states consumer reporting agency can not refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX VIA ELECTRIONIC AND CERTIFIED MAIL XXXX XXXX XXXX, GA Truist Bank Mail Code XXXX XXXX XXXX XXXX XXXX, VA XXXX RE : NOTICE OF INTEND TO PURSUE LEGAL ACTION REGARDING REQUEST CANCEL PMI @ XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX LOAN # XXXX Dear Sir/Madame : In your response to my " third request '' to cancel PMI on the above mentioned account, you stated that the Truist review of my file does not bring the LTV to 80 % of the original value. 
However, the verbiage noted on the CFPB Consumer Laws and Regulations ( HPA ), as well as the U.S Code ( screen print below ) state that Borrower shall provide evidence that property values have not declined below the original value. THERE IS NO DIRECT REFERENCE TO THE LTV IN THE REQUIREMENTS SECTION OF THIS ACT. 

I have submitted a list of recent sales inside our subdivision as evidence that the values have continued to increase in this subdivision. All of the most recent sales in this subdivision exceed {$400000.00} with the most recent sale next door selling at {$500000.00}. THIS IS WELL ABOVE MY ORIGINAL PURCHASE PRICE OF {$260000.00}. 
Considering that establishing the true LOAN TO VALUE would mean calculating the home value against the loan amount. If I used the lowest sales price in XXXX of {$440000.00} ; against the original sales price of {$260000.00}, the LTV would be 59.50 % Using the lowest sales price in XXXX of {$440000.00} ; against my current gross balance on my last statement, the LTV would be at 51.24 % Page XXXX XXXX XXXX XXXX There have not been any 30 day late payments on my account in the past 5 years that I have maintained this account. 
Truist Bank is placing un-due and un-necessary hardships on me as a borrower by now requiring me to pay {$4600.00} towards my balance, in order to remove the PMI, when the true LTV on this loan is less than 60 %. 
I believe this is a blatant and predatory attempt to discourage me and most likely many other consumers from getting relief from unnecessary PMI payments. 
I intend to pursue legal action if the PMI for the above-mentioned account is not removed within the next 10 days of the date of this notice. 
Sincerely, XXXX XXXX CC : Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, DC XXXX Truist Bank Office of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX Enclosure : Lists of Recent Sales

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Eaton Group Attorneys LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am being charged from an account with XXXX XXXX and the amount they are asking for is violating the Texas Occupations Code that6 governs " service contracts Section 1304.159 ( c ) which states " A service contract holder whose contract is canceled by the provider in accordance with this section is entitled to a prorated refund of the purchase price of the contract reflecting the remaining term of the contract, based on mileage, time, or another reasonably applicable measure of the remaining term that must be disclosed in the contract, decreased by the amount of any claims paid under the contract. '' XXXX did not prorate XXXX as they are reporting on my credit report. This company is violating my consumer right to privacy according to 15 USC 1681b 2. The company also has NO permission to report ANYTHING using my info according to 15USC 1681 4. The FCRA ( federal law ) says that as a consumer, you are legally allowed to challenge the validity and accuracy of these accounts, and when I challenge these accounts, its called opening a dispute, I15 U.S. Code 1681e - Compliance procedures. If a credit reporting agency report false information after a consumer attempt to correct wrong information on your credit report, they may be in violation of the Fair Credit Reporting Act ( FCRA ). Similarly, if creditors continue to report false information, they may also be in violation of FCRA if they fail to provide this documentation, then XXXX, XXXX, and XXXX must remove this account from my credit report. I am requesting that XXXX Account # XXXX removed from my credit report Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a deposit in XXXX it was placed on hold for 5 months I was then told the treasury dept said not to let me receive the money so my account closed I contacted treasury and they said check was valid and never discuss anything about not releasing my funds to 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 explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: IN
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, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2023-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, 15 USC 1681 Section 602 StatesI have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a. consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payments on a credit card account under an open end consumer credit plan as a late purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: JPMORGAN CHASE & CO.
State: OH
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 was scammed and took a job that was not real. I was asked to purchase some computers and send them to a holding facility so they could ship them overseas to sell. I made the purchases with my credit card and was provided an account to pay off the balances each time. The credit card company took a couple days to process each payment and then cleared each payment and provided me an updated credit availability. About 2-3 weeks into the job I checked my bank account ( like I do daily ) and noticed all of the payments made from the ( what I guess was a fake bank account ) account they provided had been returned. Now I have more than double what I even had available for credit limit on two separate cards which equals just about {$40000.00}. I was expecting to get paid from this so called job not have it ruin my entire life. I dont have a job because I thought I was doing a job I signed official employment documents and everything but now all numbers are disconnected and communication has ceased and I am stuck with all this debt that I have absolutely no way of paying. I dont understand how the credit card company even allowed me to spend more than double what I even had in available credit limit and they are saying I am liable for the full amounts. They are both credit cards with chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 1681. 

Account name : XXXX XXXX XXXX # XXXX # XXXX XXXX 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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I am the account holder of the Bank of America account XXXX since XXXX. The contractual terms of my account state that foreign wire transfers made in dollars are subject to a flat fee of {$45.00}. 

In XXXX, where I live and work, I have a multicurrency account with XXXX, which is able to handle multiple currencies including dollars and euros. 

Personally, I use both currencies in this account and I have never had any problems receiving wire transfers in either euros or dollars from other banks. 

Recently, I entered the XXXX  account details into my Bank of America online account so that I could transfer dollars from my Bank of America account to my XXXX account. 

Unfortunately, despite numerous attempts and countless calls to customer care, I am unable to make a dollar wire transfer. 

Your phone Customer Care service has not given me any reasonable explanations for the situation or provided me with any useful assistance whatsoever. 

The warning I get at every attempt state : we are unable to process your request. If your beneficiary is able to receive a different currency you may try with that currency. 

I have successfully made a test transfer of XXXXXXXX XXXX changing the currency through your service. 

It is evident, then, that there is nothing wrong with my transfer settings or account usage. 

Despite being able to transfer euros easily, I am not interested in transferring money in this currency due to the exorbitant currency conversion costs. 

As I have already mentioned, my contractual terms require a flat fee of {$45.00} for a transfer made in dollars. Therefore, I find it absurd that bank of america is not allowing me to use this online service and is forcing me to incur expensive currency exchange costs. 

In my opinion, this problem ( the causes of which are not even clear to customer care ) is due to the policy of bank of america, which may receive greater economic benefits from currency exchange services than from applying a flat fee for dollar transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report ''. I've already disputed these items with the bureaus but they did not delete them, nor prove validation. XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : 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 2023-03-13
Company: EQUIFAX, 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:
I've been fighting with these bureaus since XXXX of last year to remove fraudulent information that keeps coming up on my report. They have provided no proof that it is mine, but have claimed the information was verified. At this point I'm ready to sue if this information isn't removed promptly!

Company response to consumer: Closed with explanation