BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-29
Company: EQUIFAX, INC.
State: MI
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
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:
According to the Fair Credit Reporting Act these accounts have violated my consumer rights under 15 usc 1681. 
The listed accounts below have violated my consumer rights under 15 USC 1681. 

XXXX XXXX  Account # : XXXX Amount ( s ) {$16000.00} {$25000.00} XXXX XXXX XXXX Acct # : XXXX & XXXX Amount ( s ) {$22000.00} {$22000.00} XXXX XXXX  : Amount ( s ) {$100.00} {$240.00} {$300.00} {$240.00} 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 2020-04-09
Company: Midwest Recovery Systems
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent letters to the collection company and credit bureaus informing them that this account dont belong to me. Ive never been to XXXX XXXX  or had a XXXX XXXX  credit card or whatever kind of account is this. Ive been XXXX for over 10 years. This company have failed to remove this debt that dont belong to me. They cant prove this account belongs to me because its not mine. I request this account be removed from my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 DISPUTED THIS FRAUDULENT INFORMATION REPORTING ON MY CREDIT REPORTS THAT I DO NOT OWN. THE LAW SAYS IF DONT OWN THESE ACCOUNTS OR NEVER OPENED THEM THEY SHOULD BE REMOVED FROM MY CREDIT REPORTS. I HAVE ALSO FILED FTC REPORTS WITH 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 non-monetary relief
Consumer complaint received 2020-04-09
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Please remove any and all fruad alerts

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 2023-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Never I take the credit cards and I have like XXXX balance for different credit cards.

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 2023-06-03
Company: Shellpoint Partners, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have requested over 3 times now and since XX/XX/2022, removal of PMI based on an appraised value of my home. I am not claiming that the PMI be removed based on the BPO/evaluation done PRIOR to or during my COVID-deferral. I am requesting that PMI be removed based on an appraisal done now, today, this year. I have asked repeatedly for the next steps to initiate an appraisal- in writing and in speaking with Shellpoint CSAs who have continued to just let me know my account is 'flagged ' - another bullying scare tactic. When I ask what that means to the CSA, they say it's because the HOPA is not allowing PMI removal for my loan and it's based on XXXX for my original loan. AGAIN -- I AM NOT ASKING FOR THE ORIGINAL MORTGAGE XXXX BE CONSIDERED FOR PMI REMOVAL. I AM REQUESTING THAT AN APPRAISAL BE CONDUCTED BASED ON A SIGNIFICANT RENOVATION OF MY HOME THAT INCREASED PROPERTY VALUE, THEREBY ALSO INCREASING EQUITY. Shellpoint has FAILED to review my mortgage file when it came to them for service. FAILED to see that I had recently done a refinance to complete a SIGNIFICANT and PERMITTED HOME RENOVATION which then increase my XXXX XXXX 's value. What in this/my request are you, Shellpoint, not understanding? No matter WHO owns my note or who is the entrusted party overseeing my mortgage, or WHO my servicer is -- I have the right to make a PMI removal request based on an appraised value, and you/Shellpoint have the legal obligation to inform me of next steps to conduct that appraisal of my home. To date, and after many, many months and requests, you have refused to provide that information of next appraisal steps to me. SHAMEFUL and a delay tactic. I want you, Shellpoint, to know that I, as an American Consumer, take your lack of response and consideration very, very seriously. I expect a response to this request re next steps for PMI removal based on an appraised value.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started a refi process in late XXXX of XXXX. Due to the efficiencies of Freedom Mortgage, it is now XX/XX/XXXX and I get this message : I am now able to submit your loan to our underwriter today but I have two concerns that I need to bring to your attention Your credit report is due to expire this Sunday and will need to be reorder a new report prior to your loan closing. Please let me know if I have your permission to do so. 
The appraisal report is due to expire on XX/XX/XXXX, and the title company we are using are not accepting any additional closing before XXXX, therefore we need to order an appraisal recertification. 


Please let me know if you wish to move forward. The credit report can be done in a few minutes, the recertification will add a few days to our process, it depends on the appraiser. 

Now I will have another inquiry on my credit report because of this company 's inefficiency. This has been a time consuming process ( 4  months ) that has cost me money in interest and PMI and now - unnecessarily - on my credit score.

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 2022-11-29
Company: EQUIFAX, 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 the account below has violated my federal protected consumer right to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX account # XXXX 15USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a sec 2 states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c. ( a ) ( 5 ) sec 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 convictionsof crimes of which antedates the report bymore than 7 years I did not give written permission to XXXX credit reporting agency to publish XXXX XXXX Account ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX I was notified by XXXX  that negative information was added to my profile. When I checked I notice this was a company that I had requested validation of this debt months ago and never received the documentation to prove this is my debt. By law I am requesting this information is immediately removed from my credit profile until proof of validation is rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
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: Their investigation did not fix an error on your report

Complaint:
I pulled my consumer report and noticed several non mailable addresses. To ensure I receive all mail from the United Postal Services, heres my corrected address ( Insert address ). 
My name should also read XXXX XXXX, my current phone number XXXX. 
Remove any and all other information to relinquish all identity theft claims as the information you are reporting is not mine. 

XXXX XXXX XXXX, IL XXXX-non mailable address XXXX XXXX XXXX, IL XXXX-non mailable address XXXX XXXX XXXX, IL XXXXnon mailable address XXXX XXXX XXXX XXXX XXXX, IL XXXXnon mailable address XXXX XXXX XXXX, IL XXXXnon mailable address

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 2022-03-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed through XXXX which is on my Bank of America app. I sent 2 payments on XX/XX/XXXX. XXXX was for {$700.00} and the other was {$400.00}. The {$700.00} was stopped because the scammer immediately messaged me. But they were not able to take care of it before the weekend so they were able to get the money out. The {$700.00} was in another Bank of America account so Im not sure why they wont protect their customers from their other customers. Additionally {$400.00} was transferred to XXXX XXXX. Bank of America has rejected my claims. I would like my {$1100.00} to be returned. If this is not a protected program why on earth is it literally in my bank app? If it isnt protected by Bank of America it should be removed from their app. I requested it back from them several times but obviously the sender isnt going to give it back.

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 2021-05-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a credit card with Bank of America. I have not used this card in many months. Because of this, I didnt check my online account for it. XXXX did an auto payment for prime ( XX/XX/XXXX ) and I didnt catch it for months. I did not receive a letter in the mail telling me about the charges or late fees. I spoke to a Bank of America agent on XX/XX/XXXX who told me she would reverse the fees because of this and also contact the credit agency to reverse this. A week went by and I see the fees are still there when I pulled up the online banking. Then I receive two letters in the mail saying my credit line has been reduced. I also checked my credit report and it dropped by 110 points. Had I known this charge occurred and I was accruing late fees, I would have paid it right away, as I always do. I spoke to Bank of America again today ( XX/XX/XXXX ) and was informed they will not drop the fees and they can not reverse the credit reporting. I went ahead and paid the fees, as I do not want my credit to be affected. Is there anything to fix this issue that has drastically plummeted my credit score?

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 2022-12-22
Company: Experian Information Solutions Inc.
State: GA
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 following accounts has violated my rights : 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 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 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 2021-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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, I sent a letter to the CRAs regarding a wrong and strange account on my consumer report. To this day, over 90 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly that a failure to investigate these items within 30 days gives a reason to remove those items from my credit report immediately ; it has been 90 days, so they should be deleted promptly. I demand this account be deleted immediately, or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the XXXX data breach, and I have gotten 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 explanation
Consumer complaint received 2021-08-20
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
ID THEFT VICTIM. People have been opening accounts in my name and defaulting. i need this info removed from my report asap XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  {$260.00} Balance updated XX/XX/2021 XXXX XXXX Original creditor : XXXX XXXX 
{$690.00} Balance updated XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act 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 has volated my rights 15 U.S.C 1681 Section 602 A : States I have the right to privacy 15 U.S.C 1681 Section 602 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 2020-04-09
Company: PNC Bank N.A.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX I entered a XXXX XXXX transfer from my PNC checking account to my mother 's checking account at XXXX XXXXXXXX XXXX for {$25.00}. When I entered the transaction through my online banking portal with PNC, the system confirm on the screen stated funds would be received in my mother 's account by XX/XX/XXXX. 

On Monday, XX/XX/XXXX, I called PNC Bank because my mother indicated the funds still had not come through. The PNC rep I spoke with indicated there was no indication of any XXXX XXXX transfer on the system, indicating I had either not entered it or somehow had made a mistake. This was very frustrating, as the online system had indicated my transfer had gone through and that the funds would arrive by Thursday, XX/XX/XXXX ( 2 business days ). The rep stayed on the phone with me while I entered a new transfer. She verified it went through and she could see it on her end. Both the online banking system and the rep stated the funds would be in her account by Thursday XXXX ( 2 business days ). The rep also verified XXXX XXXX XXXX participated in the XXXX XXXX  program so there should be no issue with my mother receiving the funds. 

On Tuesday XX/XX/XXXX, I entered another XXXX XXXX transfer for {$45.00} from my PNC checking account to my mother 's XXXX XXXX XXXXXXXX checking account. Once again, the system indicated the funds would be received by Thursday XXXX ( 2 business days ). 

On Thursday XX/XX/XXXX, my mother indicated the funds still did not show in her account, nor were there any pending deposits. On my end, the PNC online banking system showed my account had been debited for both the {$25.00} transaction and the {$45.00} transaction, with a posting date of Wednesday XX/XX/XXXX. I called PNC Bank and the rep stated I should give it more time ; she stated the funds may not show up until XX/XX/XXXX or XX/XX/XXXX. She could offer no explanation as to why this happened and offered no solutions on how to rectify the problem. 

My mother called XXXX  XXXX XXXX directly and they indicated they, in fact, do NOT accept XXXX XXXX. I called PNC Bank back, and the rep, who was extremely condescending, stated the only way to get the funds back at this point would be to dispute the transaction, and that it would take 10 business days at a minimum to dispute the charges. She gave no assurance the situation would/could even be resolved, leaving me with no resolution. When I asked to speak to a supervisor, I was put on an endless hold. After at least 30 minutes of waiting, I had to hang up. 

So as of right now, my PNC checking account has been debited a total of {$70.00} and I was given no assurance it would be credited back ; I was only told I could dispute the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company : PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Is reporting a collection that states it was opened 4 months ago : Opened XX/XX/XXXX ( 4 mos ) - {$2000.00} I did not open any accounts on this date. It appears that bought a XXXX debt from XX/XX/XXXX that has been resolved and removed from my credit report. It is back and they are trying to re-open the file with a new date to re-start the statue of limitations and collect again. 

XXXX Reported on XX/XX/XXXX - {$2000.00} This collection is fabricated and needs to be removed from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
On XX/XX/XXXX, I spoke to the financial westlake financial servises, to request an extension of payment, since on XX/XX/XXXX I have to pay it, I explained that the company for which I work closed due to the pandemic of the coronavirus indefinitely, I explained to them that I could not have my payment since that company only paid us a week of salary, the person who attended me by phone told me that I had to pay {$50.00} dollars to make the application for the extension so that they would approve it, pay the amount that was asked of me and I was calling said finance company daily and they had not solved anything for me, it was not until yesterday that I called again and they told me that the extension that they only give me 10 days after the day that I have to pay, I told them that I can not pay them that day then they told me that if I do not pay that day for the month of XXXX I would have to pay the month of XXXX and the month of XXXX, to which I replied that I was not going to to be able to make both payments because I do not know what day I would return to work and besides I have food and rent expenses. They just told me that nothing can be done, help me thanks

Company response to consumer: Closed with explanation