BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-05
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I contacted Shellpoint Mortgage Servicing about having the PMI removed from our mortgage, as we had reached 80 % of the original value. At that time I was told that was not so and it was not eligible until XXXX. Beginning XX/XX/XXXX they started charging an additional {$340.00} in PMI. I was not aware of this until we received our escrow statement in XX/XX/XXXX, as they did not put PMI on our monthly statements. This escrow statement showed a shortage of {$2100.00}. The total PMI being charged from XX/XX/XXXX going forward is a total of {$430.00} per month. This amount is more than the amount going to principle - {$360.00} or interest - {$320.00}. This is outrageous. We did send Shellpoint {$150.00} to have a home valuation done in hope that the PMI will be removed. This home valuation was done XX/XX/XXXX. Regardless of what the outcome is, this PMI is being overpaid and should be corrected and refunded. The PMI should have been removed and we should not have even been required to pay the {$150.00} for the home valuation. Charging more in PMI than the amount of the principle is not right.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Ive sent numerous 605b and FTC reports to Transunion XXXX  and XXXX. All 3 companies have ignored my letters. I also requested updated credit report be sent via us mail. Upon checking my credit in mid XX/XX/2021. I discovered Fraudulent Accounts on my report. 
The following fraudulent accounts are 1.XXXX XXXX {$500.00} Ive never done business with this company or entered into a signed contract with this company. This is a fraudulent account 2. XXXX, XXXX XXXX XXXX XXXX {$270.00} Ive never done business with this company or entered into a signed contract with this company. This account is fraudulent!! 
3. XXXX XXXX XXXX is also a fraudulent account! 

XXXX XXXX ( isnt my name ) Ive never used it that way please see ftc report/ 605b all attached

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 2023-01-24
Company: Experian Information Solutions Inc.
State: MI
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:
This will be my first and last attempt to remove these unauthorized accounts from my consumer report before involving civil institutions. Under 15 U.S Code 1681b - Permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other, the written instructions of the consumer to whom it relates. I never gave that consent, which violates my privacy. Second, according to 15 U.S. Code 6802, I have the right to opt out of reporting if non-public information is being furnished. One, I was not disclosed of that right by the creditor to opt out, Nor is the contract between the creditor and I public information. Per law, identity theft means non-consent. Please provide substantial documentation validating consent to furnish these accounts. Please block and delete the listed items immediately. 

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2017-11-10
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have disputed my complaint with Equifax over 30 times and I have sent in numerous paperwork and so has XXXX XXXX and the other creditors and I ca n't get anything back from Equifax they keep sending me a confirmations numbers but yet it won ; t let me look at them online and I have been on the phone with them numerous times and have waited over 2 hours to fix this and the last two times they said their computers were down. XXXX XXXX and XXXX fixed these problems but I ca n't get Equifax to even respond or answer, this is hurting my credit bad because of all the inquires and wrong information, we had our vehicles broken into and they stole everything so we are under Identity fraud and I ca n't get them to help or even tell me anything.I need any help I can get please. Thank you. 

XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
i have several time through mail and phone customer services to correct an invalid and erroneous information in 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 2017-11-10
Company: Debt Recovery Solutions, LLC
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: Old information reappears or never goes away

Complaint:
I contacted Debt recovery solutions about a medical debt that was put on my credit report several years ago. I wrote them a letter explaining that this was not my debt and it was identity fraud, i asked for proof this was my debt ( i had XXXX at the time which would have paid for any dr visits or hospital visits ) i sent a police report to this agency as well, and the debt was still not removed. They never showed me any proof this was my debt because its not. 

I filed a complaint with XXXX and the debt was removed, the company has added this debt back several time under different collection names but when contacted it is the same agency. XXXX is allowing this company to destroy my credit report after they have removed the collection several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: Second Round Limited Partnership, Austin, TX Branch
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I am a defendant in one of several cases filed on XX/XX/XXXX in the District Court for XXXX XXXX XXXX, XXXX, all of which involve the same debt collection company, XXXX XXXX XXXX. ( Attachment A ). However, on XX/XX/XXXX -- three weeks after these cases were filed -- Second Round Limited Partnership registered the plaintiff 's trade name, Second Round, LP, in Maryland ( Attachment B ). 

Therefore, the mere filing of these cases alone represents a clear violation of the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA provides that " no business, company, or organization may use a name other than its true name ''. ( See 15 U.S.C. 1692 ( e ) ( 14 ) ). 

Moreover, in each of these cases, the purported address of Texas-based Second Round, LP is the same as the Michigan address of the plaintiff 's Maryland-based attorney, XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX. ( Attachments C and D ). Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: EQUIFAX, 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:
For some time now, I have informed Equifax that their reporting my account with XXXX XXXX XXXX is incorrect. Multiple supporting documents were delivered to Equifax with my dispute. Equifax responded to me saying " XXXX has confirmed the information is correct '', making XXXX the judge adjudicating that their own erroneous information is correct ... sort of like asking a defendant are you guilty?. 

( 1 ) XXXX is reporting account # XXXX as a " Charge Off '' when XXXX 's own internal account " Transaction History '' covering XX/XX/XXXX thru XX/XX/XXXX documents every one of  the 12 monthly payments were paid on time, as agreed. 

( 2 ) The Equifax report shows a " Past Due '' amount of {$5300.00} when the fact is this account is " Current '' and THERE IS NO PAST DUE BALANCE. 

( 3 ) Equifax reports the last payment reported by XXXX was XX/XX/XXXX when the verifiable facts confirm my payments have been paid on time with the most recent payment received and posted by XXXX on XX/XX/XXXX and the next payment due confirmed to be XX/XX/XXXX. 

The practice of allowing a company to confirm their own erroneously reported information is absurd and hardly an impartial " investigation ''..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In XX/XX/2020 I received an invitation by mail to apply for Bank of America Cashback credit card. Prior card application, I contacted the application center with questions about card eligibility, since over two years ago I filed for bankruptcy and in the past, less than 2 years since than was the application rejection criteria. My efforts to confirm the basic applicability/rejection criteria prior to the credit card application was not successful the application agent neither had this information, neither able to transfer my call to the credit specialist. The hard credit inquiry [ for nothing ] could be prevented if Bank of America would be clear and transparent about the application approval requirements. 
Since the fact of my bankruptcy was known to Bank of America, I am questioning how it is legit to send me an invitation, if it is clear reject?

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 2020-06-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
sent police and FTC identity theft report to all three credit bureaus detailing identity theft and accounts resulting from identity theft

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 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Report AXXXX, this creditor, XXXX XXXX has violated my rights. Under, 15 U.S.C 1681 section 602 states I have the right to privacy 15 U.S.Code 1681 section 604 ( a ) section 2 states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.Code 1666b a creditor may not treat a payment on a credit card account under an open-end consumer 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 non-monetary relief
Consumer complaint received 2023-01-24
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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX I checked my credit profile and notice that a collection was on my report from SOUTHWEST CREDIT SYSTE ( Original Creditor : XXXX ). I have never had XXXX or any affiliation with this company so someone had to use my identity information to obtain this account and I need this removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Paypal Holdings, Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This complaint is about a refund reversal from PayPal about transactions Transaction ID : XXXX and XXXX Both transactions were disputed no evidence was provided to XXXX XXXX XXXX charges are valid and now they have arbitarily taken the money without legal cause out of our account. They are listed in the refund reversal as BONUS TRANSACTIONS? They are also no longer in the resolution dispute center when we looked.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This is an extension of original compliant : # XXXX in reference to a bank deposit on XX/XX/21. I was instructed that a check would be expedited to me if my payroll department deposited it into the account that I have been restricted from. I was told to contact the Protection Dept directly and they will have notes instructing them to transfer the remaining balance to a savings account and expedite a check. I called on XX/XX/21 as advised however the protection department transferred to me to customer service who did not have information about a 2nd check to be expedited and they transferred back to the protection department. 

I have been withheld from my funds to pay rent, get to work, feed my family, etc. for going on 3 weeks. Capital One has repeatedly given me false information starting with destroying my debit card to yes we sent the check. A check that I will have to pay an extra {$20.00} to have expedited. Now that there is a 2nd payroll deposit, since they have yet to close the account and send me the remaining funds, I will be responsible for another {$20.00} plus fees that they say I have incurred because of this restriction ( please see attachment 1 ). Upon the final decision of compliant : # XXXX, according to the letter ( please see attachment 2 ), I have tried to contact the bank representative, and left several messages with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XXXX XXXX, XXXX I used the Bank of America XXXX BOA ) online " Transfer '' system to transfer {$4000.00} to a person in XXXX to consummate a purchase of a car. I used the routing and account number supplied by this person. His account in with XXXX XXXX in XXXX. I called this person on XXXX XXXX to find out that the money was not transferred. I called BOA was told that the transfer did not go through because the routing number XXXX used was for a traditional " wire '' transfer and not the transfer offered on their website that I used. I believe it 's called an ACH transfer. Further, I was told because of the incorrect routing number that the monies would not and could not go through and to wait 10 days and the money would come back into my account. OK. So in order to finalize the deal I went to another bank and wired the money. XXXX complete. 10 days later I call BOA and was told to wait a few more days because it XXXX not be 10 days exactly. So a few days later I call back and was told that the transfer did in fact go through. Now this was supposed to be impossible. OK. I asked them to reverse it & get my money back. Could n't do that but they would submit a claim. I was also told, that it is possible that not even the original recipient may have my money because the wire routing number could be associated with a different bank account! I received a letter from BOA stating " We have completed our investigation of your claim. Our records indicate that we initiated the transfer in accordance with your instructions. '' Perhaps that is correct to a point, but they told me on the phone that it was impossible for the transfer to go through. XXXX BOA charged me {$10.00} for the transfer fee, so I am out {$4000.00} currently.

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 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 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 crime 's 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 2023-01-19
Company: EQUIFAX, 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:
I discovered that some of the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified accounts without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected : 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  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: ERC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
After I settled my debt with Enhanced Recovery Co. I requested for them to remove the account from my report, which they have blatantly denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation