BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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 has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2023-03-04
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by 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 non-monetary relief
Consumer complaint received 2021-12-07
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : 1. Validate Account XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, 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 2022-09-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft, and I did not make these charges. I request that you remove the fraudulent charges and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it.

Enclosed is a copy of my Identity Theft Report supporting my position. [ Consumers should redact information that is unrelated to the dispute with this company. ] Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I deposited a check in XXXX, the check had a hold on it for 20 business days. The check cleared and was released. XX/XX/XXXX chase restricted both my savings and checking accounts. Requested I supply more info. I complied and provided the legal documents. They refuse to unrestrict the accounts, due to a personal opinion and document that does not exist nor will exist, due to it is not required.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I have recently started a new business that requires complete confidentiality. I have made several purchases that my bank not only bounced but stole the monies that were in the account. 
Chase Bank XXXX XXXX XXXXXXXX These payments were made through a company called XXXX. 
XXXX is selling my private portfolio information and causing my account to overdraft. I thought that it was the first bank, but then when I made purchases for the business this week through another bank the behavior continued. I'm tired, have tried to resolve the conflict to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Rocket Mortgage, LLC
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/2023 Sought a pre-approval letter for a mortgage through RocketMortgage as they advertise : XXXX a SOFT pull on credit XXXX pre-approval within minutes of completing their online process So, I did this process, was pre-approved for XXXX and then was not given the actual letter stating this as I had to : XXXX chat with " XXXX XXXX '' XXXX of their account chatbots I assume. XXXX asked for quite a bit of additional information, which I provided. I also spent more time than should ever be necessary to explain to XXXX that I do not, in fact, legally need a real estate agent, as the buyer, to qualify for a mortage or purchase a house. His staggering incompetence is another matter and not the focus of my concern here. 
XXXX. My concern here is that despite rocket mortgage pre-approving me for XXXX, they would not send me the letter unless I sent this XXXX person additional sensitive documents to his email AND speak with him on the phone. 
XXXX. I did not authorize a hard pull on my credit. A hard pull when it is specifically stated to be a soft pull is absolutely unacceptable. 

I hope you share my concern and I thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: NJ
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:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect 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 2023-05-08
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I lived in an apartment complex in XXXX and XXXX I was told I was removed from the lease. In XXXX I applied for an apartment and they told me I was denied due to an outstanding balance owed to my old property. I had no knowledge of this debt owed, and when I called the new owners of XXXXXXXX XXXX XXXX XXXX they informed me they had no information and I needed to call the previous owners. When I called the previous owners they let me know they no longer owned the debt the new company did. I went back and forth for days about what I needed to do. Finally 2 weeks later I received a letter from National Credit Systems letting me know I owed a debt and they needed more information from me. Working in the XXXX XXXX I know we are required to show prior notice before we send things to collections and that collections is supposed to reach out to us. I did not hear anything until I reached out to them. They refuse to discuss the debt with me until I give them my social, phone, address, dob, full name. I do know these tactics and I will not give them all my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: NATIONSTAR MORTGAGE LLC
State: OR
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
VIOLATION OF 12 USC 2605 SEC E WHILE DOING MY 2015 TAXES I NOTICED THAT CHAMPION MORTGAGE WAS CHARGING INTEREST AT MONTHLY RATE AND S/B ANNUAL RATE. I WROTE LETTER AFTER MANY PHONE CALLS WITH NO RESULTS. CHAMPION ACKNOWLEDGED ERROR AND SAID THEY WOULD FIX. TO DATE PROBLEM STILL IS NOT FIXED AND THEY WILL NOT ANSWER MY PHONE CALLS. TO DATE I BELIEVE THEY HAVE CHARGED OVER {$3000.00} IN EXCESS INTEREST, AND MIP. SEE ATTACHED FOR DATES AND OTHER INFO

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$28000.00}

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 2021-06-17
Company: SN SERVICING CORPORATION
State: PA
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: Other problem getting your report or credit score

Complaint:
I currently making mortgage payments through SN Servicing Corporation. I had a Chapter XXXX bankruptcy which was discharged however, they refuse to report my payments to the credit bure. I have made several calls asking them about this issue and was advised they would email their manager and see if they can start reporting the information. Two months later and they are still telling me they don't have to report these payments. I was advised that they should report these payments I still owe on this loan. I currently am current on my payments and have a balance of {$47000.00} with a 6.5 % interest rate conventionally loan. Why wouldn't ; they report this to the credit bureau. Can you please help with this issue or advise who I can speak with regarding my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
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: Account status incorrect

Complaint:
XXXX XXXX reported two late payments on my credit report for XXXX and XX/XX/XXXX on XX/XX/XXXX. I had contacted the company in XXXX and faxed my legal name change paperwork and XXXX XXXX military orders ( with XXXX acct. num. ) to have payments differed until after my orders ended ( XXXX. -CA Families Financial Relief Act ). 
In XX/XX/XXXX I noticed the late payments on my credit report and I called XXXX to inquire as to what happened. They said their was a miscommunication on their end within their departments ( perhaps due to the name change ) and my deferment wasn't processed. They apologized, corrected the deferment ( currently no payments due until XXXX XXXX ) and refunded any late penalties that were on my account. My account is now in good standing with no history ( on their end ) of late payments. 

However, I can not get the late payments off of my credit report. XXXX customer service says they can only offer a letter that states the late payments were inaccurately reported ( which I turned into Experian and it did no good ). XXXX states they have no way to call Experian to verify the letter. Their research department handles credit bureau reporting but they only have a fax number or an address for snail mail. 

In summary, XXXX XXXX research and customer service departments are not communicating. The research department most likely thinks the late payments are accurately reported while the customer service department disagrees. I tried to see if we could do a conference call with myself, XXXX customer service and Experian to get the mess sorted out but Experian said they are not allowed to talk to third parties.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-04
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 XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-09-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
There was a family member using my social security number and name opening credit card account. 


I did open the credit card but was stolen by a family member.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have sent several written letters and emails to troubled Ocwen Loan Servicing requesting that the pretender lender loan servicer open up its pretender lender loan servicers phony XXXX file and provide me with the XXXX XXXX XXXX loan docs, ( e.g. loan app., Hud-1 TIL statement etc., and the appraisal. As of today the pretender lender loan servicer refuses to provide me with all those documents that I am entitled to. The only way to get a response from the troubled pretender lender loan servicer is to file a consumer complaint which forces its counsel to respond to my complaint with typical lawyer spins.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I paid to XXXX, for a service I never asked for, and I paid {$52.00} for 11 or 12 months, which is either {$580.00} or {$630.00}. I downloaded a document to give to the Refinancing Bank. I was asked by XXXX if I wanted to continue receiving their service and I said : no. 
However, XXXX continued charging my credit card. Therefore, I had to close my credit card. Bank of America returned me three months that I paid. But after I sent a letter with all the info they wanted, they gave me a short time to answer them again. The time period was very short, so they gave me the possibility to send them a fax with the proof that I canceled XXXX. I did not have time to cancel, a service that never asked for, because after I complained to Bank of America, XXXX canceled my service. It seems that they never read my fax because they sent me a letter telling that : " Because I did not send the cancelation '' they sided with XXXX and they told me that not only they will not give me my money back but also they will charge me again for the three months they had returned the money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-28
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
( Please review Attachment ). 

Please review correspondence addressed to XXXX as it relates to issues that occured with Citi Bank as well. Within the correspondence addressed to XXXX the issue is addressed that Citi Bank has outdated methods when contacting merchants on behalf of their customers when there is a dispute. This practice needs to be updated so that other customers do not have the same negative experience that I did. 

NOTE : My situation has been resolved as of XX/XX/19, but I thought it would be beneficial for future consumers to have such a situation documented by the CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On or about XX/XX/XXXX, I was notified by United Wholesale Mortgage ( UWM ) that my mortgage payment was late and incurred a fee. However, I noticed UWM mis-applied a partial payment instead of crediting it to the next monthly payment. I spoke with a customer service agent who assured me the issue wouldbe resolved. 

In XXXX, I noticed I was still being told I had a late payment and charged another fee. I called again, and the customer agent assured me the issue woudl be resolved and " these things take time. '' I waited. 

Then I noticed in XX/XX/XXXX, the issue is still not resolved so I emailed the company thru their portal who said the issue woudl be resolved within 7-10 business days. I subsequently received a letter stating UWM was looking into the issue, but then I recieved a voicemail from UWM yesterday ( XX/XX/XXXX ) stating my mortgage was late and another late fee was applied. 

I called today ( XX/XX/XXXX ) and the agent said she would put in a ticket to solve the problem. However, I told her that I have already had at least 3 other contacts with the company beginnign in XX/XX/XXXX. She did not have an answer. 

I have documentation from my checking account that I paid over the amount for each month. I start making partial payments for the next month beginning after the XXXX each month ( since the billing cycle runs thru the XXXX ). The customer service Agent i spoke to in XX/XX/XXXX told me she would make a note in the file to ensure any payments made after the XXXX would be applied to the following month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
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 # XXXX, XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX. Violated my rights 15 USC 1681 section 602A.states I have a right to privacy. 15 USC 1681 section 604A section 2it 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 non-monetary relief