BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-15
Company: Rocket Mortgage, LLC
State: TN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX I inquired thru XXXX XXXX for a HELOC ; I was contacted on XX/XX/18 by Quicken loans, I explicitly said I was ONLY interested in a HELOC. He proceeded to tell me we would review my credit, I assumed he had a report thru XXXX XXXX, and after 20 mins on the phone, told me they don't offer HELOCS. 

Then I found out he PULLED my credit without permission ; he put his manager on the phone who told me that he told me we would " review my credit '' was proper for getting consent. 

I am an XXXX, I ONLY wanted a HELOC and had I been told by XXXX XXXX NLMS # XXXX that they don't offer the product, I would have ended the conversation as I can provide an application thru my company for much less in costs and rate than his proposed first mortgage which is not what I asked for. 

Then his Director XXXX XXXX NLMS # XXXX told me they do have HELOC 's but only for XXXX clients, and that he was within his right to pull my credit by saying " now we will review your credit '' even if he had NOT asked my up front if I was a XXXX client, because they do offer it to them, I just did not qualify. 

Had I been asked of my assets and if I had a XXXX account and been told those are the only clients they offer HELOCS too, we would have ended the conversation there, again I would not and did not authorize a credit pull on my report ; and wouldn't if the specific program I was after was not available to me or offered to people only with the XXXX account as I do not have one and would have said so had I been informed or asked. 

I asked them to remove the inquiry, they denied me request, I explained that had they done the due diligence and told me the requirements for a HELOC and that they didn't do them, we would not even had, had a conversation that would have required any further investigation. 

I was told by XXXX that as of the last day or so Quicken stopped doing HELOCS and by XXXX that, that was not true, but only for select clients with those accounts. 

This is ridiculous, I was mis-led, my credit was pulled without explicit permission or consent and then they passed it off on me as though it were my fault. I have a background in lending and can not imagine how they treat people who don't, and I made that very clear to XXXX in the beginning of the conversation, that I am a licensed XXXX  and only in need of a HELOC. 

XXXX told me they are the country 's largest company and with over 150 programs, this is " Just how they do things '' .... UNREAL!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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 am apply for my first home loan all three credit reports are showing different account XXXX has Direct Student loans that were removed XXXX. XXXX has removed this. And all the letters I have sent the accounts XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX ) have not be updated to never late. 
XXXX is obligated by the XXXX to report accurate accounting consumer has advised. ALL injuries reported was fraud said company had 4 days according to the LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine the injury was indeed authorized by the consumer XXXX has 15 days to provide me with wet ink signature consumer is NOT asking for an e-Oscar  report. If XXXX does not have documentation to show these were in fact authorized it must be removed asap. SAID company ( listed below ) will be liable under SEC to follow certain rules. XXXX XXXX file number XXXX P XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX I will be filing form XXXX treasury XXXX forms to audit consumers account. XXXX is securitizing consumer data yet refuse to provide consumer a copy of their Consumer File Not Consumer Report. 

Companies : Account name XXXX  XXXX XXXX Account number XXXX Account name XXXX Account number XXXX .... 
Account name XXXX XXXX XXXX Account number XXXX .... 
Account name USAA SAVINGS BANK Account number XXXX .... 
Account name USAA SAVINGS BANK Account number XXXX ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: MI
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, 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 response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: EQUIFAX, INC.
State: PA
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 asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
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: Transaction was not authorized

Complaint:
On XXXX XXXX, I wrote a check for {$3500.00} # XXXX to XXXX XXXX XXXX as an initial payment for a roof repair at XXXX p.m. Within the hour, about XXXX p.m., I contacted Chase Bank to stop payment and reported fraud, as I discovered that XXXX XXXX was ordered to cease and desist by the Illinois Department XXXX XXXX XXXX XXXX as an unlicensed XXXX XXXX 
The Chase Bank Customer Service representative stated that she could not stop payment and she assured me that the XXXX Department would help me ( these calls are recorded ) On XX/XX/2022, I contacted Chase Bank, requesting help. Chase Bank told me that they could not help me as I wrote the check. It did not matter that XXXX XXXX XXXX is a fake company and that this man committed fraud against a XXXX XXXX 
On XX/XX/2022, Saturday, Chase Bank Rep told me that the XXXX Department was not open on the weekends. However, the next day, XX/XX/2022, Sunday, I tried to call XXXX Department and they answered. They continued to place blame on me for writing the check despite the fact that it is a check written to a company for services. 
On XX/XX/2022, I saw that check # XXXX to XXXX XXXX XXXX was not endorsed. It was deposited to an account without a signature and without a business stamp. Chase Bank then took my fraud report but continued to state that it was my fault that I was scammed. 
I made a report to the police department on Sunday, XX/XX/2022 XXXX XXXX, XXXX XXXX. 
I made a report to XXXX  Attorney General # XXXX I made a report to Federal Trade Commission XXXX XXXX contacted The XXXX XXXX XXXX Attorney Office and made a report on XX/XX/2022 I have called Chase Bank XXXX XXXX XX/XX/2022 requesting for assistance on a fraud against a XXXX XXXX. It is against Federal Law to scam sXXXX XXXX  and Banks are responsible. Chase Bank is aware that XXXX XXXX is a XXXX XXXXXXXX, misrepresenting himself as a XXXX XXXX ; this is allowing and abetting fraud by ignoring his fraudulent deposits with no authorized agent endorsing a check for XXXX XXXX. 
Please assist me in this most frightening and frustrating experience. I am a XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen Mortgage has not communicated with me regarding my deed in lieu of foreclosure. I have not been informed ( in written form or verbally ) of an agreed upon vacancy date or relocation allowance. 
People are showing up at the home to change locks, as they have been told by Ocwen that the home is vacant. 
Ocwen has too many departments that do not communicate with one another regarding customer status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, 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:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts immediately. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
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 information incorrect

Complaint:
This was not sent an error I am a concerned consumer, my information is being misused and the credit bureaus are taking advantage of me and my consumer report.I have sent letters addressing my concerns and they are still violating me.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am pleased to see some improvements on my report and some of the accounts which I have disputed were removed. However, there are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX Balance : {$70.00} XXXX XXXX XXXX ( Original Creditor : XX/XX/XXXX XXXX XXXX XXXX XXXX MD ) XXXX Balance XXXX {$370.00}XX/XX/XXXX XXXX Balance : {$800.00}

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 2023-06-26
Company: Resurgent Capital Services L.P.
State: MO
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 never received a contract with my signature on it and my signature was forged on the certificate they sent me any inconsistencies with all XXXX reports all different amount Lvnv funding claim plus u never agreed to selling my dept to a 3rd party plus my names is not XXXX XXXX. 
I may need to sue for definition of character Too many inconsistencies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts immediately. 

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 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 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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, 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 non-monetary relief
Consumer complaint received 2018-08-12
Company: First Data Corporation
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter from XXXX and telecheck/XXXX XXXX XXXX I was cashing checks from a bank that I do not bank with which is called XXXX XXXX  tried to XXXX XXXX XXXX I wouldn't help me told me that account wasn't on my name or is not existed I promptly send telecheck/XXXX XXXX service a fax of my police report and I called XXXX received a second letter and the information in their system was accurate I will send a police report on XXXX that fix the problem ... but please if you can also assist me

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 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 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 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 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 XXXX XXXX   ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-02-08
Company: EQUIFAX, INC.
State: IL
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:
I have account with XXXX XXXX for 15 years. I have never been late on payment with any credit card or any loans. I lost my credit card in XXXX XXXX XXXX XXXX XXXX sent me new credit card. I start using credit card but I never received any bank statement from XXXX XXXX 
I find out from XXXX XXXX XXXX XXXX XXXX  that I did not pay my credit card bill for {$46.00} in XXXX. I told them that I was not able to see new credit card on my XXXX mobile application or did not receive statements. XXXX XXXX  gave late fees back but refuse to remove 30 day delinquency from my credit report. 

I never every been late on any kind of payment. XXXX XXXX XXXXXXXX told me that XXXX XXXX did not merge my personal profile with business profile so I was not able to see new credit card under my XXXX XXXX XXXX. He did noted about error under my profile. I am disputing delinquency for late credit card payment with XXXX Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, and XXXX XXXX account # XXXX. Hard Inquiries : XXXX, XXXX, XXXX XXXXXXXX XXXX, XXXX XXXXXXXX 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, AND XXXX, have all violated my right. 

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 non-monetary relief
Consumer complaint received 2023-06-26
Company: LEXISNEXIS
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:
I found out in XXXX that I was mistakingly listed on someone else 's auto and home insurance policies through XXXX ( my insurance company too ). XXXX took me off of the policy and said they fixed the issue so my Lexis Nexis report wouldn't be falsely reporting multiple at fault accidents, home owners claims and other auto related claims. I worked with Lexis Nexis case # XXXX in XXXX and was under the impression everything was fixed. Until XX/XX/XXXX when I was shopping around for insurance and no one will insurance me because they are still reporting multiple at fault accidents, multiple glass claims, multiple towing in my name which is not accurate. This is preventing me from getting insurance elsewhere and if I do find a company the rate will be extremely high.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: WELLS FARGO & COMPANY
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I listed a {$1500.00} sofa on XXXX XXXX. Scammer sent photos of fake XXXX transfers claiming I had to first send him {$250.00} in order for his {$1500.00} to go through - claimed it was a business account requirement. I fell for it. My bank Wells Fargo will not cover under insured account even though weve been their customer for over 40 years. The scammer asked for a second transfer and I blocked them at that point.

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