BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I contacted Bank of America to cancel PMI based on my investor requirements. 


I received a letter from XXXX XXXX from Bank of America stating an original value amount mean the same as an amount on an appraisal. 

Im a XXXX XXXX XXXX XXXX for over 20 years. The property was purchased in XXXX. What was paid in XXXX would be the original value not an appraisal from XXXX. 

Make it make sense. 

Below is my investor requirements ; Borrower-requested cancelation of Borrower-paid mortgage insurance based on the original value The table below lists the requirements for Borrower-requested cancelation of Borrower- paid mortgage insurance based on the original value ( as " value '' is defined in Section 4203.1 ) : 1. Cancelation point Based on the original value, the loan-to- value ( LTV ) ratio must be 80 % or less. ( Note : As opposed to the conditions set forth in row 1, Cancelation point, of Section 8203.2 ( b ), there is no required minimum period having elapsed Ive requested to have the name of my investor provided. Ive received nothing but a generic boiler plate document that does not state the name of my investor. 

I requested to receive the written language from my investor stating the terms under which PMI can be canceled. 

Bank of America sent me a generic letter saying an current market value is needed based on my investor requirements. XXXX XXXX sent and email saying an appraisal is needed. 

Neither is correct. My investor does not require a current market value nor an appraisal. 

It looks like Bank of America is just making up things and not complying with the federal investor requirements for my mortgage loan? 

This is terrible.

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 2020-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
To Whom It Will Concern, I was looking at my XXXX XXXX account on XX/XX/XXXX. I noticed there was inaccurate information that was solved a long time ago. This company called XXXX XXXX Is saying I owe XXXX {$2700.00}. This is 100 % Inaccurate. I did have XXXX at some point but moved to XXXX. When I went into the store middle of XXXX and transferred everything over they were paid in full whatever was owed which was no where near {$2700.00}. I called XXXX on XX/XX/XXXX to see what this was all about and if they can verify it. The customer service rep said they do not have me on record and just best for me to dispute it with each credit reporting agency and it will come off since they were lacking proof and could not provide documentation.

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 2020-10-07
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:
My name is XXXX XXXX. I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.

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 2017-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called TransUnion XX/XX/XXXX, to investigate and remove the following inquiries XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX they refuse when were very disrespectful

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 2022-07-20
Company: DLC, LLC
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received notification from XXXX that there was a collection on my account from XXXX XXXX XXXX XXXX for the Dollar Loan Center in the amount of {$830.00}. I have never had a loan with the Dollar Loan Center.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: EQUIFAX, 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, Account # XXXX and XXXX Bank, Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company has in has my escrow and their reason is that they think i we are going to default on our mortgage. They will not refund our money because they might need money for repairs. They refused refund the money or decrease the escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
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 XXXX account XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602A. States have the rights 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
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 Reporting Act XXXX  account XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602A. States have the rights 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 explanation
Consumer complaint received 2021-03-10
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: Was not notified of investigation status or results

Complaint:
I sent this to Equifax without response, after pointing out a potential breach : Why do your Equifax Customer Service agents request identity verification from consumers ( drivers license, social security card ) be sent by mail without a warning that the use of USPS in the transmission of such sensitive information could easily lead to mail theft and identity theft? 
I would like a reply, and I will continue to make this inquiry through the different contact points within the Equifax corporate structure until I get a reasonable response. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Experian Information Solutions Inc.
State: VA
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:
wrong address on credit report charged off account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Credit Protection Association, L.P.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received a notice stating that I had already been sent a debt validation letter, but I had never actually been sent that letter. If the company had actually sent me a debt validation letter, I would have been able to dispute the debt. It claims that I owe money to  XXXX   XXXX , but my billing history shows that I paid every bill.

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 2017-08-31
Company: Brown and Joseph, Ltd
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you instead of your attorney

Complaint:
On XX/XX/17 I was contacted by XXXX XXXX from the company Brown & Joseph , Ltd. located in XXXX, IL, threatening me to pay a debt that I did n't even know I had and taking my case to a court room. He was demanding me to pay over thousand dollar in workers compensation policy that I never had because I decided for another company. 
He also said he was going to talk to me in XXXX as I did n't understand English.. I am not a XXXX speaking person and I speak English. He finally sent me an email saying It was better to pay the amount before XXXX Central Time, or the case would go worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
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:
EQUIFAX IS IN VIOLATION Equifax has XXXX XXXX XXXX as being opened since XX/XX/2016 but the payment history for each month of 2016 is MISSING. 

The full payment history has been provided to them and is provided here. Provide the complete payment history for this account or delete entire account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2022 fraudulent XXXX transaction of {$1500.00}. Every time I call the customer service number there is an enormous wait time, most recently 45 minutes. I get disconnected and when the service offers to call me back, I get the call however there is no agent present and the phone disconnects. I would like to get my money back if possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-07
Company: Experian Information Solutions Inc.
State: MA
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 continue to be surprised & shocked how your company continues to say that they verify this public record of bankruptcy. I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy pubic record. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file because i also received the letter from the us bankruptcy court stating as such as you can see on the attachment. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. A Bankruptcy is a public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom?

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 2022-07-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act the following accounts have violated my rights : 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2022-03-02
Company: General Motors Financial Company, Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
General Motors Financial is stating I have an outstanding balance. I made every payment on my lease. They put on my credit report that I owe them {$650.00}. I never received a bill. They are the worst company I have ever dealt with. They adversely affected my credit without notice. I will never buy a GM product again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act the following accounts have violated my rights : 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was involved in a job scam. I was offered a job as an assistant to a lawyer who sent me a check which he asked me to donate to a charity. I received the check on XX/XX/2022 in the amount of {$4900.00}. I was instructed to deposit it into my bank account and send {$1500.00} through Venmo to an account named XXXX XXXX on XX/XX/2022. I then found out that the check was fraudulent, and it bounced leaving my account balance at $ XXXX. XXXX and Venmo both have proven unhelpful in having the money returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: Santander Consumer USA Holdings Inc.
State: NY
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:
Santander consumer USA claims I owe them money for a vehicle they repossed and sold and claimed I did n't owe anything. Then I started receiving harassing calls and letters stating I owed fees and surcharges. I have contacted them and even offered to pay the money I do n't owe if they promise to remove the information from my credit and they refuse to cooperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX to XX/XX/XXXX Fraud false checks was deposited into my account and the banking institution closed my account based on their terms and conditions. However on XX/XX/XXXX my payroll direct deposit was deposited into my account. I was informed that on XX/XX/XXXX a cashiers check will be mailed to me. I've gone to the branch and spoke to customer service to no avail. I have yet to receive my funds from the account as of XX/XX/XXXX. I've been left to feel more like the criminal than a customer. This is PNC Bank and the actual branch that I'm having the issue with is the branch in XXXX NJ. The XXXX XXXX Branch. I also feel discriminated against because on more than one occasion I've been asked what brings me to this branch. My address is not in that area, but nonetheless I didn't know there were boundaries for bank branches and I thought consumers are free to bank at any branch that is available to them as long as they are a consumer. I failed a complaint with the bank itself and now I would like to file a complaint with the CFPB. 
I can be reached at XXXX or XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: EQUIFAX, INC.
State: IA
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:
CFPB case # XXXX The very first line of my complaint was NOT addressed. The sole purpose of the complaint was not even talked about in Equifax 's response. It's like they ignored my request and did not investigate. The exact same thing Equifax has done for years. Ignore every dispute and ignore every complaint. 

" Equifax is reporting Date of First Delinquency XX/XX/XXXX regarding my account XXXX XXXX XXXX XXXX. This is shown on the attachment Equifax XXXX XXXX In the same attachment, it also shows delinquency started in XXXX. '' Equifax also ignored filling out the method of verification letter. I need to know WHO AT XXXX they are talking to. XXXX and Equifax do not get to report false information on my report and not tell me who they are talking to. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: Experian Information Solutions Inc.
State: VA
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 received the results of my dispute against a bankruptcy. It states : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX .... Outcome : Remains - The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details I confirmed with the court that they do not report information to credit reporting agencies. My records with 3rd party reporting agencies such as XXXX XXXX have been confirmed frozen. On XXXX XXXX the representative, XXXX confirmed that once a freeze has been placed, no information is released without my authorization. It is my belief that Experian is engaging in dishonest and deceptive practices by stating the obtained information when they have not. I feel as though that have not performed a throughout and valid investigation of my dispute.

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 2017-08-31
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I reviewed my credit report and noticed my credit was pulled by One Main. I did not authorize this pull nor have I received any services from this company.

Company response to consumer: Closed with explanation