BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
Today, XX/XX/2022 at XXXX EST someone tried to open a credit card in my name. My bank got a report from XXXX upon receiving an application for some kind of travel credit card. I reported it to the bank who prompted me to call and get copy of this fraudulent application someone used in my name so I can file a police report. In XX/XX/2022 in a separate incident someone fraudulently opened a credit card in my husband 's name at our own bank and charged over {$3000.00}. He recieved a text from Bank Of America to check in on whether he made a charge on a credit card but he has no credit card with Bank Of America. He reported the fraud immediately and the bank took action to cut of the card and notified him in a letter stating he was not responsible for those charges, which were all made in different states far outside our area.

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 2022-08-18
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$2800.00}, DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$2300.00}, DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$240.00}, DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$460.00}, DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$4600.00}, DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$2800.00}, and DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}.

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 2022-08-18
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: Account status incorrect

Complaint:
XX/XX/2012 accounts still in my report when they are closet accounts...

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 2020-09-29
Company: EQUIFAX, INC.
State: WA
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:
Equifax ; XXXX and XXXX are failing to report that the following account is in fact In Dispute. XXXX XXXX   XXXX  partial account number XXXX. XXXX and XXXX are failing to report XXXX partial account number XXXX is in fact In Dispute. XXXX is failing to report XXXX partial account number XXXX is in fact In Dispute. ( I have attached pages from my credit report for reference on the accounts listed above. ) I have also sent multiple requests to the bureaus to investigate these accounts and the bureaus continue to report these accounts as account not disputed. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are In dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
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: Report provided to employer without your written authorization

Complaint:
In accordance with fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

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

15 USC 1666B : a Creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: Midwest Loan Services, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage LTV is currently 77 % and the mortgage service company will not remove my PMI. They have sent a new letter stating I must have a 75 % LTV. 
Last year, when the LTV was at 79.6 %, I sent a written request to remove PMI and they denied my request but did not explain what specifically disqualified my request. This was a refi but I 'm not seeing anything in the rules making it different from an original purchase. 
If the law says PMI must be removed when I reach 78 % LTV, why can the mortgage service company keep charging me this fee?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: Stearns Ventures, LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold to a new company without any notice to me or my wife. I tried to make my monthly mortgage payment to the company I had been paying ( Stearns Lending ) and was told that they no longer held the mortgage and that I should contact the new company. I only have XXXX pieces of information for the new company the name " XXXX '' and a phone number of XXXX. When I tried to call XXXX I received an automated message that if my loan was recently sold that they 're customer service agents would not have access to any information for my loan and was not given any options to speak to a live operator.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
State: DC
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:
XXXX XXXX has been violating me and has willfully continued to do so. After multiple consumer reports this item has yet to be removed or corrected. every item that's on my consumer reports suppose to be reinvestigated so how am I still recognizing inaccuracies. 

15 U.S.C. 1681n ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( a ) ANY ACTUAL DAMAGES SUBSTAINED BYT THE CONSUMER AS A RESULT OF THE FAILURE OR DAMAGES OF NOT LESS THAN {$100.00} AND NOT MORE THAN {$1000.00}, WHICH EVER IS GREATER ;

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 2022-05-25
Company: Experian Information Solutions 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 confidentially under 15 USC 1681. 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 : 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 2022-05-25
Company: EQUIFAX, INC.
State: AL
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 fair credit reporting act XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

XXXX USC 1681 Section 602 States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: Paypal Holdings, Inc
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
PayPal charged me late fees for missing a payment on their own card/Pay Later Plan. I never signed up for any PayPal plan/card and when I told the service representative, she said she could n't do anything about the late fees. All my life I pay my credit card balances in full at the end of the month. The cards are attached to my checking account and are paid in full automatically, leaving no balance. PayPay enrolled me in their Pay Later plan without my knowledge and then charged me when I did n't make a payment. I am very upset and this illegal behavior by PayPal should be put to a stop. 
I hope you can do something about this and get the " late payment fee '' returned to me. 
Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, CA XXXX : ( XXXX ) XXXX : XXXXXXXXXXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2021 an inquiry was placed on my credit report that I did not authorize and it is fraudulent, it is in fact hurting my credit. I have tried getting them removed but I have had no success. The fact that it is supposed to stay on my credit report is a violation of my right under the FCRA. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) XXXX XXXX XXXXXXXX, I may presumethat no proof of the alleged debt, not therefore any such debt, in fact exists.

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 2022-05-25
Company: Bread Financial Holdings, Inc.
State: MD
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 following late payments are billing errors pursuant to 15 USC 1666b XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
This is fraudulent to report this to my credit report, and I never got notice prior to them doing so. This is a billing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: AR Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
For about 2 years, XXXX XXXX XXXX has been billing my insurance provider, XXXX, rather than my insurance group, XXXX XXXX XXXX. This has been pointed XXXX XXXX continuously over the past 2 years. They have now put me in collections because they do n't understand how to bill properly. This has ruined my credit. They do n't pick up the phone, so I have no way to even speak to someone. XXXX XXXX. If anyone else is having this same experience, let 's start a class action suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: U.S. Auto Sales Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 'm a victim of identity theft and the company reporting this account is not complying with the FCRA. They have not removed the account or provided any documentation to prove this even belongs to me. US AUTO FINANCE account # XXXX. They are apparently based XXXX, and I live XXXX! I do n't care whether they repo the car or put out an XXXX on the plate # s! I do n't have this car, I did n't open the account, I was never in that dealership, it does n't belong to me! At least XXXX people ( salesman, finance manager and title clerk ) saw the person with the ID and had to have noticed that it was n't me! My car had been broken into years ago and everything was stolen from my car. I did originally make a police report in regards to my vehicle theft. This account needs to be closed and removed from my credit file immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: Rocket Mortgage, LLC
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am moving to XXXX in two weeks, so I need to fix up my townhouse to either sell or rent it out by XX/XX/XXXX. I have XXXX mortgages, XXXX and XXXX. So, I decided to combine the XXXX and refinance. So, I went to Quicken loans online to get pre-approved and then contacted a finacial person. He looked up my score and said he ca n't give me the loan because I dont have a score of XXXX according to the FICO XXXX they are using. They were seeing XXXX, XXXX and XXXX. But my FICO XXXX and XXXX Score for mortgages according to XXXX ( I subscribe to ) is FICO XXXX : XXXX, XXXX, XXXX - XXXX XXXX : XXXX, XXXX and XXXX not matching what they see. Something is wrong, I have the right to see excactly what the lenders are seeing. I need the extra money to fix up my place and this combined 15 year mortgage 2.75 % would put about a {$1000.00} in my pocket, thus freeing money to pay down on my debts in large amounts and quickly. Right now my first mortgage is {$1000.00} without taxes and insurance which I pay on my own and the second is XXXX a month, so that is {$2200.00} a mnth. Note : one is bank and the other is a credit union. I always paid my mortgage on time, no late payments. In fact the XXXX mortgage is taken right out of my paycheck biweekly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 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 : 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 2022-05-25
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  account # XXXX, XXXXXXXX XXXX account # XXXX, XXXX XXXX account 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 an 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 2016-11-03
Company: BB&T CORPORATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX my sister XXXX and I went into BB & T bank to close acct # XXXX and establish account # XXXX post haste because I no longer wanted XXXX XXXX XXXX to have access to my bank accounts or have any authorization to act on my behalf to financial manipulation and improprieties done against my account. She was placed there when I became ill and was hospitalized and abused power and responsibility and her refusal to even return my property and even debit card to my account warranted establishing a new account. We met with XXXX XXXX and established the new account and informed her of importance of expediting this matter as my {$1700.00} social security direct deposit was scheduled for XXXX XXXX, 2016 would hit the old account but the bank could reroute to the new account. 

She told us and promised it would be completed by Monday XXXX/XXXX/2016 and to call her to make sure that happened on that day. My sister XXXX did and left a voicemail on her phone of which she acknowledged that she did receive. However XXXX XXXX neglected to closed the account or place safegaurds on the old account to prevent further financial manipulation by XXXX XXXX as a result XXXX authorized a webpay {$700.00} against the account on XXXX/XXXX/2016 that hit my account place it in overdraft the BB & T accessed a overdraft fee, then she went into a branch and withdrew {$500.00} against my social security direct deposit on XXXX/XXXX/2016. To date I only received {$470.00} of my {$1700.00} and BB & T have refused to return the balance of {$1200.00} from my social security deposit to me. I am a senior citerzen on fixed income and I have other finanical obligation I need to attend to and I have called several times XXXX and 4 times a day and my calls are not being returned and XXXX XXXX is no longer communicating on the status to refund my money to my 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 2022-05-25
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:
This is my formal complaint that the credit Bureaus ( Equifax, XXXX and XXXX ) are reporting an inaccurate and incomplete information on my credit report. In accordance with the fair credit reporting act XX/XX/XXXXaccount # below has violated my rights.These account notation of the following late payments is inaccurate. I have never been late. 

15 USC 1681 section 602 States I have the right to privacy. 

15 USC SC1681 section 604 a section 2 it also States a consumer reporting agency can not furnish a an account without my written instructions.

15 USC 1666B A creditor may not treat a payment on a credit card account under a open in consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I XXXX XXXX with This letter is to complaint about a problem I am having with PNC Mortgage loan # XXXX, I am complaining because they been foreclosure on me since XXXX/XXXX/XXXX width paper work from a mortgage paper work from XXXX/XXXX/XXXX, I complaint and say they used the wrong documents but no one does anything to help me on this wrongful foreclosure because I modified my mortgage on XXXX/XXXX/XXXX and on this loan they commit violations of TILA I have already attempted to resolve this problem by contact them by phone and in written. I have enclosed copies of my records. Include copies of their letters and other relevant documents with dates and Balance Discrepancy 's. Unfortunately, the problem remains unresolved I am hereby requesting that you CFPB please help me with this Bank PNC to repair and fix this foreclosure and I Insist Pursuant to TILA, 15 U.S.C. 1635 and Regulation Z, 12 C.F.R. 226.23, on changes to the release document such that you PNC MORTGAGE are not able to claim the note and mortgage because they are void, invalid, non-negotiable, Pursuant to TILA and Regulation Z, you have twenty days after receipt of this Notice of Rescission to return all monies paid and to take action necessary and appropriate to terminate the security interest. Please be advised that the mortgage is automatically voided by operation of law upon rescission under 15 U.S.C. 1635 ( b ). and for you CFPB to help me to get this to the respect Parties to send demand letters to for errors and omissions and malpractice and find this bank guilty of the damage they have caused me, I have been struggling with my case for XXXX trying to negotiate a loan modification but this Bank PNC ignore my request for two years I am not asking to give me a free house I am asking you for justice for me as well as for other citizens, These bank continue to take advantage of the clients and home owners, mock the laws with fraud and false statements false documents and here I have evidence on XXXX/XXXX/XXXX my house was on for foreclosure sale that I stop filing for bankruptcy protection even after I send them the rescission notice, all I want is justice and a loan modification and the adjust price of my home that is under water Thank you for your anticipated assistance in resolving my problem.

Company response to consumer: Closed with explanation