BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-25
Company: EQUIFAX, 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 item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXXXX/XX/XXXX -XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXXXX/XX/XXXX -XXXX XXXX XXXX XXXX NEGATIVE ACCOUNTS : -XXXX  XXXX XXXX -T ED/XXXX XXXXXXXX -DPT ED/XXXX XXXXXXXX -DPT ED/XXXX XXXXXXXX -DPT ED/XXXX XXXXXXXX -DPT ED/XXXX  XXXX -DPT ED/XXXX XXXXXXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX5 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 2022-09-27
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have BMO XXXX XXXX checking account. I already asked BMO to close that account but BMO didnt ' closed it. Instead they charged some maintenance fees to get the account into negative.

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 2022-08-01
Company: OneMain Finance Corporation
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
THIS IS NOT A DUPLICATE COMPLAINT!! YOUR COMPANY HAS COMMITTED CRIMINAL INDIVIDUAL ACTIONS WILLINGLY AND KNOWINGLY. Yes, I entered a consumer transaction with this Company. However, when my hardship occurred, I have learned that fraud has been committed against me. In the false and deceptive form that I was aggrieved in, I was not offered Insurance with my Finance Charge in clear violation on 15 USC 1605a ( c ). Your company is in violation of breaking a number of consumer protection laws, including but not limited to : 15 USC 1635 - Right of Recession ( this was not included in my contract ) Pursuant to 15 USC 6802b ( 1 ), A financial institution may not disclose non public personal information to a non affiliated third party ( which are the bureaus, they are non affiliated third parties ) unless -- Pursuant to 15 USC 6802b ( 1 ) a, b, c such financial institution clearly and conspicuously discloses to the consumer, in writing in electronic form or other form permitted by the regulations described under section 6804 of this title, that such information not be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to DIRECT SUCH INFORMATION ; NOT BE DISCLOSED to such third party ; and ( C ) the consumer is given an explanation of how the consumer can EXERCISE THAT NONDISCLOSURE OPTION. Your company never disclosed to me this information or gave me my explanation of how I can exercise my nondisclosure option which is my right by law to not have this reported.

Any transaction involving a finance charge is the sum of all charges pursuant to 15 USC 1605a and federal law states that insurance is supposed to be included in the finance charge, 15 USC 1605c and my finance charge didn't include insurance or give me the right to include it. Making this a fraudulent contract. It also states pursuant 15 USC 1605b ( 2 ) they were permitted by law to provide me with a written disclosure of the cost options for insurance, so that I may give written affirmation of my desire to have it included in my finance charge. I was never given this information. They also never gave any material disclosure disclosing I have a right to rescission, Pursuant to 15 USC 1635 of any consumer credit transaction involving a security interest. 
Making the RETAIL INSTALLMENT CONTRACT ACCOUNT between BUYER XXXX XXXX and CREDITOR-SELLER your company is in so many violations of the TRUTH IN LENDING ACT as well as CONSUMER FINANCIAL BUREAU , which means I XXXX XXXX is entitled to rescinding the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Experian Information Solutions Inc.
State: MD
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 XXXX XXXX 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 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 2022-12-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
My husband and I saved to purchase a boat. He found a XXXX XXXX XXXX XXXX XXXX  For {$78000.00}. He inquired online and XXXX XXXX ( XXXX ) emailed him more pictures and info about the boat. We decided to purchase the boat and have it delivered. XXXX said that he was using a 3rd party broker to sell the boat and handle the escrow $ until we received the boat. The escrow company is called XXXX XXXX XXXX at XXXX. XXXX XXXX XXXX XXXX, XXXX, FL XXXX. The money was sent from our XXXX XXXX as a wire transfer to Wells Fargo bank account as listed above. We were suppose to get an email confirmation on XX/XX/XXXX for the delivery time of the boat. Which never came. We then went back to the websites where the information was on the boat and they were all disabled. This is when we realized that it was fraud and they stole our {$78000.00}. No boat was ever received and XXXX XXXX XXXX was not a company and XXXX XXXX is not a person we believe. I contacted Well Fargo and they told me the money was still in the Well Fargo account. I ask them to freeze the account so we could get our money back. They stated they couldn't do that. Well Fargo is being used as a money laundering bank for these criminals. 

A complaint was filed through XXXX XXXX police in Minnesota. 

A complaint was filed in XXXX XXXX, Florida, police A complaint was also filed and office went to the Wells Fargo Branch We filed a complaint with the FBI through the XXXX website. Have not heard back yet. 

We filed a complaint with the FTC.

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 2022-08-01
Company: Mercedes Benz Financial Services
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XX/XX/XXXX, MBFS-Mercedes-Benz Financial Services hired XXXX XXXX XXXX to repossess my vehicle. I initiated this transaction with my credit card. I am a consumer and the purchase was for personal use. After doing some research, I realized that the FDCPA, TILA, and the Equal Credit Opportunity Act were violated. On XX/XX/XXXX I sent a letter to MBFS disputing the validity of the debt due to fraud, debt validation and Cease & Desist and a debt validation. I didn't receive a response from MBFS. I received a threatening letter titled, " Notice of Default and Right to Cure Motor Vehicle Lease, '' the letter was dated XX/XX/XXXX ( received in XXXX ), giving me until XX/XX/XXXX to make payment before adverse action will take place. On XX/XX/XXXX I sent a letter of " Default notice/Fraudulent assignment/Aggravated Identity theft Letter. I listed the respond by date of XX/XX/XXXX. XXXX hired XXXX XXXX XXXX to repossess my vehicle on XX/XX/XXXX. XXXX XXXX XXXX required me to turn over the keys to the vehicle in order for me to receive my personal property from the vehicle which was bagged up without an inventory sheet. I was not given a copy of the property release form I signed. This was adverse action against me. I used my credit card to lease the vehicle which gave MBFS a security interest which is the certificate of title.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
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 have been sending fifteen ( 15 ) dispute letters to the Credit Bureaus requesting that they update the disputed accounts reporting on my Credit file andyet they have done nothing! 
XXXX XXXX XXXX Balance Owed : {$1600.00} Date Opened : XX/XX/XXXX I am appalled by the ability of the Credit Bureaus to do nothing despite all the previous letters I have been sending to them! This account was never late and should have never been reported as late! I have been keeping my own payment record and upon reviewing the information the Credit Bureaus have also been reporting, I came to a conclusion that the Bureaus are not keeping accurate information. I need the Credit Bureaus to correct this accounts information and update the late payments from this account! 
XXXX XXXX  XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX This account has been paid and yet it continues reporting as late despite the status reflecting as paid and the balance as XXXX. How can a consumer accrue late payments if the account has already been paid? I previously requested that the XXXX Bureaus provide me proof of the payment history and last payment and yet they sent me nothing! Its either the Credit Bureaus update and correct this account or they remove this erroneous account completely from my Credit Report!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have been sending fifteen ( 15 ) dispute letters to the Credit Bureaus requesting that they update the disputed accounts reporting on my Credit file andyet they have done nothing! 
XXXX XXXX XXXX Balance Owed : {$1600.00} Date Opened : XX/XX/XXXX I am appalled by the ability of the Credit Bureaus to do nothing despite all the previous letters I have been sending to them! This account was never late and should have never been reported as late! I have been keeping my own payment record and upon reviewing the information the Credit Bureaus have also been reporting, I came to a conclusion that the Bureaus are not keeping accurate information. I need the Credit Bureaus to correct this accounts information and update the late payments from this account! 
XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX This account has been paid and yet it continues reporting as late despite the status reflecting as paid and the balance as XXXX  How can a consumer accrue late payments if the account has already been paid? I previously requested that the Creit Bureaus provide me proof of the payment history and last payment and yet they sent me nothing! Its either the Credit Bureaus update and correct this account or they remove this erroneous account completely from my 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 non-monetary relief
Consumer complaint received 2022-09-27
Company: EQUIFAX, 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 creditors ( XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX ) have violated my rights under 15 USC 1681 section 602 : states I have the right to privacy.

15 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit XXXXplan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: EQUIFAX, 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:
I am appalled by the ability of the Credit Bureaus to pay no mind at a consumer 's requests despite 15 dispute letters written to request the removal of the disputed fraudulent information from my Credit report. I have read the Credit Buirueas are bound to comply with the FCRA section 605b and verify the authenticity of the disputed accounts per consumer 's requests. But in my case, The Credit Bureaus have done nothing! Neither they respondead to my letter nor completely removed the disputed items from my Credit report! I am submitting this complaint to protect my rights which is clearly being violated by the Credit Bureaus. If the Credit Bureaus still indicate the disputed items on my Crediet report for the next update, it leaves me no choice but to pursue legal action and sue the Credit Bureaus for the damages done on my Credit File. I need the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
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:
XXXX XXXX XXXX Say I have a debt, but this is not mine.

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 2022-12-09
Company: DISCOVER BANK
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX, I received a letter in the mail ( XXXX ) from the XXXX XXXX XXXX saying that a tax return was filed in my name and with my Social Security Card. I then ran a credit report with all 3 accounts. On two of the three credit reports, there was a Discover card opened in XXXX with my name and Social Security card as well. As of XXXX, I was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Aargon Agency, Inc.
State: OR
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:
The amount owed has been paid or discussed and the item has not been removed from my credit report like promised.

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 2018-03-13
Company: PNC Bank N.A.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
PNC refused to modify my mortgage after my bankruptcy.My payment jumped from XXXX to now over XXXX.I had a first mortgage and second mortgage taken through XXXX XXXX as successor to PNC both discharged in a bankruptcy, the first is still with PNC and the 2nd had been assigned to XXXX for collection.There were many errors made by XXXX XXXX into PNC, XXXX, XXXX and XXXX and XXXX and everyone who touched both loans regarding collection and servicing of the loans.PNC eventually acknowledged these errors and agreed to discharge the mortgages.They contacted me and put in writing that the mortgages would be discharged.They discharged a mortgage on a property I haven't owned in years but never discharged the mortgages that I currently have and were included in the Bankruptcy.They keep saying they will but haven't.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, XXXX XXXX XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS XXXX. ) XXXX XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS XXXX. ) XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX. ) XXXX XXXX XXXX  XXXX HAS VIOLATED MY RIGHTS XXXX. ) XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS 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 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISHED 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 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I ordered a copy of my Credit report from XXXX and noticed that the Credit Bureaus still continues to report the Disputed inquiries from my Credit file despite the countless dispute letters I have been sending them. These inquiries resulted due to my identity being stolen and used to inquire. I have been a vicitm of identity theft. I am submitting this complaint to protect my rights which is clearly being violated by the Credit Bureaus. Under the FCRA section 605b, the Crediut Bureaus must remove these inquiries from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-08-01
Company: Experian Information Solutions 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. 
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 have 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 2022-09-27
Company: PRIMARY RESIDENTIAL MORTGAGE
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying for months to determine the exact requirements, criteria, and specific process to have my PMI removed, as the home values in my area have increased significantly since my purchase of the home. My XXXX mortgage with a balance XXXX, is now worth at least $ XXXX. 

I contacted PRMI early XXXX to obtain information on PMI removal based on this. I was told just to submit a request in writing and that was all I needed to do. I assumed I would receive a letter notifying me of the process and requirements. Instead, 6 weeks later I received a letter stating the request was reviewed and denied due to XXXX ratio not being sufficient for PMI removal. I called PMI to ask what information they used for the XXXX ratio and was told it was the current amortization schedule. I explained the situation once again of my home increasing significantly in value and was told to obtain a private appraisal and resubmit for review. I have contacted home appraisers in my area who have been surprised by this and have suggested I clarify with PRMI that they will accept an appraisal that was not ordered by them in-house. 

XX/XX/22 I contacted PRMI and spoke with a CS rep, a supervisor, and a manager and was given inconsistent and conflicting information. The supervisor told me she would NOT recommend obtaining a private self-ordered appraisal, yet her manager told me that is what I need to do. I asked the manager to first explain what the process was for a removal request and she explained a very different process that should have been followed at my initial request for removal. None of the individuals I spoke with would provide any documentation in writing of what the official requirements and process are. They also will not comment on whether a privately ordered appraisal will in fact even be accepted. 

I just want to obtain definitive information on the process and requirements for a fair and just review of the current value of my home for a current XXXX ratio for PMI removal consideration. Including whether or not they are requiring me to obtain my own paid for out-of-pocket home appraisal for review of the current market value and whether or not it will even be accepted as a legitimate source if so. 

Any assistance your Bureau can provide is greatly appreciated.

Sincere thanks, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation