BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital One stated that this account was properly investigated, verified as accurate, and has refused to delete the account. I have attached my credit report which clearly shows that Capital one is reporting different information in the categories of high balance, last verified, date of last activity, closed date, dispute status and creditors remarks to XXXX and XXXX. A simple update to the account would be insufficient, the reporting of this account can not be trusted and therefore should be deleted. 

Capital One has repeatedly ignored 15 U.S.C 1681 section 604 A section 2 as if it is only a matter of my opinion and not law. The law states that a consumer reporting agency may not furnish an account without written instructions from the consumer. I have given no such permission and in case of litigation Capital One will be unable produce such evidence.

According to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) OPT OUT ( 1 ) ( A ) ( a ) ( b ) ( c ) Capital One is barred from disclosing my non public personal information to a non-affilitated third-party without clearly and conspicuosly disclosing their intentions to do so.Capital One is/was required to give me the consumer an oppurtunity to opt out of my information being shared to a third-party initially, and give me and explanation of how I the consumer can excercise that nondisclosure option. I would like for Capital One to send me instructions on how to excercise my non disclosure option in regards to the Capital One account XXXX being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Experian Information Solutions Inc.
State: MO
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:
After attempting multiple attempts to resolve these law violations the creditors and bureaus are liable for i am reaching out to cfpb to deal with this horrible mess. 

according to 15 us code 1681 eb- its the consumer reporting agencies job to ensure maximum possible accuracy when deal with a consumers information. Because they didnt this was and still is an obvious violation and fcra law states any inaccurate information found and disputed if correct should be removed from report, each bureau has failed to acknowledge my dispute letters. I demand these accounts to be removed off my credit report asap. so many inaccursies its not even funny from dates opened to the remarks which also is a violation because the consumer agencies arent holding the creditors liable for reporting false and inaccurate information, they are all responisble for these issues causing me a great deal of distress. 

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 2017-08-17
Company: TRANSWORLD SYSTEMS INC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Transworld Systems, Incorporated contacted this consumer, XXXX XXXX XXXX, on our about XXXX XXXX, 2017, in an attempt to collect an alleged debt. The communication was received without the prior consent given directly to the debt collector as defined in 15 USC 1692 c.
On the communication is the consumer 's name and an account number. Within consumer law, as defined in 15 USC 1693a ( 2 ), an account means an asset. For apparent purposes of misrepresentation, the debt collector - as clearly stated on the communication - is holding an account belonging to a consumer. This is misrepresentation ( 15 USC 1692 e ) as a financial institution is defined in 15 USC 1693a ( 9 ) as any other person who, directly, or indirectly holds an account belonging to a consumer. Threats to the reputation are also stated in the communication per 15 USC 1692d 1. Assets are being held for the consumer while attempting to collect an alleged debt from the consumer. XXXX XXXX XXXX, consumer ( 15 USC 1692a ( 3 ) ), is seeking actual damages in the amount of {$25000.00} USD pursuant to 15 USC 1692 k A 1.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX Account # 1 ) XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  Account number XXXX # 2 ) XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX Account number XXXX # 3 ) XXXX XXXX XXXX Original creditor : XXXX XXXX  Account number 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 Thank you.

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 2017-09-26
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Old information reappears or never goes away

Complaint:
Portfolio Recovery Associates LLC has been contacting me about a statute of limitations expired debt. They admit that debt is too old for them to sue me for collection. But they continue to report debt as starting in XXXX 2012 ( when they bought this account ) even though debt is over 7 years old. I have sent cease and desist letter and asked them to remove the expired debt from my credit reports. But they do not do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: BSI Financial Holdings, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a new mortgage statement showing my payment went up roughly {$120.00}. 

I called BSI financial to go over why my payment increased. They said it was due to an escrow analysis showing I was short {$800.00} in my escrow. I asked how that was possible when I overpaid escrow by {$230.00} in XXXX, and I show a balance on XX/XX/XXXX of over {$700.00} in my escrow account. The first rep said I needed to have at least {$1100.00} in my escrow to cover a 2 month cushion. I explained my XXXX taxes are {$1600.00} and my insurance is {$1900.00} annually. My monthly escrow is about {$300.00}, which shows I have more than a 2 month cushion. After this I had to speak with a supervisor. 

No one at BSI could explain why I paid {$3700.00} in XXXX escrow when I should have only paid {$3500.00}. They also could never explain why I have a shortage when when my taxes and insurance are nearly the same from XXXX and XXXX and there was an over payment in XXXX. 

This seems like suspicious activity. I've never been late on a mortgage payment, my insurance is the same as XXXX, and my taxes went up just over {$100.00}. Please also see attached documents where my insurance payments have been disbursed several times. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
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:
the accounts listed below are appearing on my credit report. Ive put in Several Disputes regarding these accounts. I ask that these accounts are removed from my credit report immediately. Ive filed a FTC report which has been ignored by you. I sent a handwritten letter on XX/XX/XXXX. My attorney advised me what to do moving forward. I will take further action if they are not removed immediately. XXXX  XXXX {$710.00} XX/XX/XXXX XXXX XXXX XXXX {$6900.00} XX/XX/XXXX XXXX XXXX {$0.00}XX/XX/XXXX XXXX  {$430.00} XX/XX/XXXX XXXX XXXX XXXX  {$2600.00} XX/XX/XXXX XXXX   {$1900.00} XX/XX/XXXX XXXX  XXXX XXXX {$860.00} XX/XX/XXXXXXXX XXXX XXXX {$530.00}XX/XX/XXXX XXXX XXXX   {$450.00}XX/XX/XXXX XX/XX/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 explanation
Consumer complaint received 2021-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
I have written documentation from the Bankruptcy Court stating that they DO NOT report bankruptcies to any of the credit bureaus. However, Transunion, XXXX, and XXXX  are illegally reporting this information which is a violation of my rights. 
I am requesting that all 3 credit bureaus provide me with an original contract ( wet ink signatures ; written proof ) that they were authorized to report a dismissed bankruptcy to my credit report. 
Without written proof, this information must be immediately deleted from my credit reports and blocked from reporting again. 
In the meantime, I will be preparing all necessary documentation to seek legal remedies against the 3 major credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
CAPITAL ONE BANK has discriminated against me, the natural person / original creditor. Capital One has violated 15 U.S. Code 1691 ( a ) which states It shall be unlawful for any creditor to discriminate against any applicant because the applicant has in good faith exercised any right under this chapter. Any account opened previously in my name was a result of identity theft. I have sent my affidavit of Fact, and identity theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
Company: Nelnet, 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:
This company continues to violate the XXXX  Finance Code by not providing a surety bond for nelnet or themselves. As such, I am seeking legal advise from XXXX XXXX XXXX XXXX to legally pursue this matter further. The finance code is very specific and both companies continue to violate it. 

This company has repeatedly failed to provided their right to lawfully collect in the state of XXXX. They are required to get a surety bond. No one had provided this which is required under the XXXX Finance code. I will continue to file a complaint until this is removed from my credit or this company proves they are legally authorized to collect in this state. XXXX  Finance Code 392.202 and 392.101 This company is headquartered in the state of XXXX. I am a XXXX resident. This company is fraudulent and illegally collecting in the state of Texas. I also do not show this credit bureau has a valid surety bond to collect in the state of XXXX. Nelnet hasn't produced info. 

I want this removed from my report immediately. I want the {$10000.00} fee paid for each day this continues to remain on my report per the code. 

I have failed a complaint with the XXXX Attorney General 's office. Attached is the complaint for both companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 Per the Fair Credit Reporting Act, a consumer may request a description of the procedure used to determine the accuracy and completeness of disputed information. It also states that the credit bureau shall provide a description of such investigations within 15 days of the consumers request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
-On XX/XX/22 {$900.00} was taken out of my bank account through a XXXX transaction XXXX {$920.00} was taken out of my account through another XXXX transaction XXXX {$1800.00} was taken out through another XXXX transaction I had initially called my bank on XX/XX/22 and they stated they are not responsive for XXXX. So I called XXXX and they stated to contact my bank which has its own XXXX department. I called chase bank again and after speaking to a representative the 3rd time crying, the representiative took the time to listen. I filed a fraud claim via Chase bank on XX/XX/22 and they finalized the claim on XX/XX/22. They basically stated that the payments above were authorized by me and they will not help me with the funds lost. They stated I must find the individuals to whom the money was sent and to obtain my money from them myself. They said that they have closed the claim as it appeared my phone IP address matches the device used to do the XXXX payments, and therefore it is not fraud based on their research. I am Just disappointed and confused because under regulation E banks are obligated to protect their consumers from fraud or scam. And Chase refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: Experian Information Solutions Inc.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I had another complaint where I complained that this company refused to give me my credit report. After I filed the complaint they sent me an online access code so I could see it. But the code timed out in a few minutes or when I refreshed my page. Then they refused access. I did not have time to read my report. I tried to call them about this but could not get past the robot. They seem to try to make this as inaccessible as possible while technically complying with the law that requires them to do this. It is very user-hostile. They do n't want to do this. My report has lots of inaccurate information but I ca n't fix it without paying or waiting another year.

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 2022-07-08
Company: Mr. Cooper Group Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Summary of Complaints : 1 ) My mortgage servicer Mr. Cooper incorrectly debited an extra {$1300.00} from my escrow account. 
2 ) An inaccurate escrow analysis resulted in an excessive increase in my monthly escrow payments. 

Details : On XX/XX/2022, Mr. Cooper debited {$1300.00} from my escrow account as a disbursement to my insurance company XXXX XXXX. However, this payment was never recorded on my insurance account. I spoke with my insurance agent on XX/XX/2022 and she informed me that Mr. Cooper had sent Foremost a single batch payment ( which included payment for my account and for other unrelated Mr. Cooper customers ) and this batch payment did not include any identifying information such as names or account numbers. She reported that this batch payment had been returned to Mr. Cooper and that Mr. Cooper was aware of their error. 

To avoid a lapse in insurance coverage, I called Mr. Cooper on XX/XX/2022 and explained the situation. The agent issued a duplicate payment of {$1300.00} which was successfully received and applied to my XXXX account. Mr. Cooper debited this duplicate payment of {$1300.00} from my XXXX account on XX/XX/2022 but failed to credit my account for the first returned payment made on XX/XX/2022. 

On XX/XX/2022, Mr. Cooper performed an escrow analysis using two incorrect values : 1 ) My escrow balance was {$1300.00} lower than it should have been and 2 ) my annual insurance premium was incorrectly calculated as {$2700.00} instead of {$1300.00}. I estimate that this miscalculation caused an additional $ XXXX ( $ XXXX months ) shortage payment that I am now being charged. 

I contacted Mr. Cooper in writing on XX/XX/2022 to explain the situation. The attached response promised an investigation but the service ticket was closed and no action has been taken to correct these errors. When I asked for a timeframe for resolution on XX/XX/2022, none was provided and my request was closed again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
XXXX and XXXX XXXX are not reporting my VA Home Loan and it is affecting my credit in an adverse manner. I can not upload supporting documentation on their websites. All 3 credit bureaus are still reporting a 30-day late payment to the XXXX XXXX XXXX, which is paid off now. But, I have sent them copies of XXXX XXXX XXXX payments to XXXX to support our claim and they still refuse to correct the inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: EQUIFAX, INC.
State: MS
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:
As of XX/XX/2021, XXXX has been inaccurately reporting things on my consumer report. According to 15 USC 1692A ( XXXX ) I am a federally protected consumer who has been violated. XXXX has my personal information in accurately. 15 U.S. Code 1681 ( a ) ( XXXX ), 15 U.S. Code 1681 ( a ) ( XXXX ), 15 U.S. Code 1681 ( b ), 15 U.S. Code 1692d ( XXXX ), 15 U.S. Code 1692d ( XXXX ), 15 U.S. Code 1692f are all violations of my consumer rights which isn't fair to me as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Since XX/XX/2021 I've sent multiple letters concerning the incorrect personal information that is reporting on my credit report. I have sent copies of my my drivers license and proof of address. I get no response from credit bureau and no change to 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 explanation
Consumer complaint received 2017-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I maintained a savings account for my son's college money at Bank of America from XX/XX/XXXX to XX/XX/XXXX. I opened it as a Balance Rewards Money Market account with no monthly charge, which was why I selected that type of account. Over the years I used it to pay my son's college tuition and other expenses. On XX/XX/XXXX there was XXXX in the account and no monthly charge. The following month Bank of America changed the account to a Money Market Savings account without notifying me, and began to charge a XXXX fee every month after that. I continued to use the account, assuming there was no service fee until XX/XX/XXXX, when I discovered the fee and closed the account. During these two years I used the account sporadically to transfer money online to my son, never seeing any notice of a service fee. (At this point I can't remember if I received statements in the mail, by email, or not at all. After I discovered the service fee in XX/XX/XXXX, I asked for a paper copy of each statement from XX/XX/XXXX to XX/XX/XXXX, which I now have.)When I complained to the Bank about changing the account to a different one without informing me, they refunded 6 months of service fees (XXXX), but refused to refund the remaining 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 explanation
Consumer complaint received 2022-07-08
Company: Albert Corporation
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account was suddenly cash account was closed with no warning or explanation of why I have XXXX in savings they were supposed to mail me a paper check I have been emailing them since XX/XX/XXXX they dont respond and have not mailed me my check

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a dunning letter from National Credit Systems Inc. for an attempt to collect a debt. 

XXXX/XXXX/XXXX I sent them a letter requesting debt validation, and supporting documents that I aggreed to do business with there company. 

XXXX/XXXX/XXXX I received a letter from them, but they did not verify the debt or have any documentations stating that I agreed to pay there company and or did business with XXXXational Credit Systems XXXX/XXXX/XXXX I received a notification that this collection was placed on my credit report.

Company response to consumer: Closed with explanation