BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-07
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I completed an online application for a {$75000.00} mortgage loan through Rocket Mortgage aka Quicken Loans on XX/XX/22 yet my application was denied because of then given " XXXX XXXX '' XXXX XXXX of XXXX ; wherein XXXX ( the lowest reporting score of the XXXX national credit bureaus ) was used to deny my application. I discussed with a senior advocated for Rocket Mortgage why the low score when other bureaus and models were showing a higher score that would have qualified my application for the loan yet insisted he to has never heard of a " XXXX  XXXX '' scoring. I later called back on XXXX to request a copy of my completed application used in their decision making process but was told there is no application available to provide to me. However ; earlier on that day XXXX a banking agent within Rocket Mortgage stated there was no application or record of me ever applying for a loan with Rocket Mortgage on XX/XX/22 only showing that I had telephoned on XX/XX/22 inquiring about the status of my application. I will conclude that information provided in my application to Rocket Mortgage ( besides the credit bureau and score they used ) was in whole part of their credit decision in denying my loan ... in other words, XXXX XXXX  and XXXX XXXX  my application refusing to provide or produce a copy of my application is a sign of Rocket Mortgage aka Quicken Loans trying to hide their decision making process in denying certain XXXX XXXX XXXX  for loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General, and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: Experian Information Solutions 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:
Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: PNC Bank N.A.
State: TX
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:
I am writing this letter to file a complaint against PNC for repeatedly putting back the disputed information on my credit report. 

I have filed multiple disputes with PNC regarding incorrect information that was reported to the credit bureaus. However, despite my repeated efforts to get the information corrected, PNC has consistently failed to update my credit report and has instead put the disputed information back on my report multiple times. 

This has caused significant damage to my credit score and has affected my ability to obtain credit and loans. Despite my best efforts to work with PNC and resolve this issue, they have repeatedly failed to take the necessary actions to correct my credit report. 

I request that PNC take immediate action to correct my credit report and remove the disputed information once and for all. Additionally, I would appreciate it if you could provide me with written confirmation that this matter has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: Freedom Mortgage Company
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I filed a complaint previous about my mortgage payments not being processed or posted properly. Previous # XXXX, date XXXX. 
Since filing that complaint, Freedom Mortgage corrected my most recent payment by removing it from a principle payment to a monthly payment. However, they did not address the problem of missing {$490.00} that was posted in suspense, by their portal, it came back out of suspense but was never applied anywhere that I can see. My monthly statements show that only {$490.00} ( one payment of 2 I had made ) has been paid year to date, all other information on the statements are zeroes ( escrow, principle applied, interest etc.. ). I have contacted them numerous times and get spun in a circle every time. Have spoke to supervisors to no avail. Now, my credit report shows that I have not made a mortgage payment since XX/XX/2020. Freedom Mortgage says they do not report anything to the credit bureau for 60 days. I am ahead on my mortgage and have never been behind, so if it is on my report it must have come from Freedom Mortgage. 
Thanks for your help, my biggest concern is where is my {$490.00}, on my credit report it states last payment received by Freedom Mortgage was XXXX and where are my correct monthly accounts stated? As of now what I have now are receipts that say I paid XXXX and a company saying trust us it is ok on our end so don't worry. This is unacceptable. This notification on my credit report has now prevented me from being able to refinance my house through a conventional lender or use the FHA streamline program. Wish I knew how to fix this.

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 2023-12-13
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Wage garishment without notice. I was not given a chance to verify this collection or dispute it in anyway as I was not notified correctly in this matter. I have live at my current address for almost 4 years and I am listed under my current address I have not tried to hide all bills are in my name. They are taking 25 % of my pay, for a debt that is from 2010. After the inflation of 3.56 % each year since 2010 I pay {$8.00} per {$20.00} dollars more then I did back in 2010. 25 % of my income is unacceptable during these days and times in the world. Since that debt I have XXXX child XXXX XXXX XXXX XXXX XXXX in college. They started the garishment with my XXXX check and without notice of this garnishment I was not able to plan for XXXX expenses in advance knowing they were going to take it. My children are affected by this garishment more then myself they are the ones that lose our. I live in a small apartment and drive an old XXXX XXXXXXXX van I have nothing and 25 % of my income is from hard work that goes straight to my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: EQUIFAX, INC.
State: SC
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX : {$100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$690.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX FIN SVC XX/XX/XXXX ; XXXX XX/XX/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 an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: OK
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: Investigation took more than 30 days

Complaint:
Last year XXXX of XXXX my wife and I checking account got hacked. We received multiple unauthorized charges therefore our checking account was automatically frozen by our banks Fraud department. While the account was frozen our monthly automatic mortgage payment unfortunately did not get processed for the month of XXXX. We honestly had no idea the payment did not go through. Our bank eventually reopened our account and our mortgage payments continued to get taken out every month thereafter. XXXX XXXX XXXX never once tried contacting me to notify me that the payment was missed for the month of XXXX. Had we known the payment did not go through, we would have immediately made the payment. We never received any type of contact from XXXX XXXX XXXX, a credit collection agency or anyone saying that the payment was not received. Since the payment didn't go through XXXX XXXX XXXX reported it to the credit bureau every single month until just recently XXXX of XXXX I received a notification from Experian that I had a hit on my credit report. When I opened Experian up it showed that my credit had dropped from a XXXX to a XXXX. XXXX XXXX XXXX has completely destroyed my credit and any chance of getting any type of loan. All they had to do was pick up the phone and call me and I would have immediately made the payment that was missed. When I finally found out we had missed a payment we immediately called and made the missed payment. As stated above, we continued to make our monthly Mortgage payments every single month but instead of using that payment for the one that was missed they continued to report us to the credit bureau as late. My wife attempted to call XXXX XXXX XXXX and ask if anything can be done fix it and she was told there is nothing that can be done. When she asked why we were not contacted by anyone, the rep for XXXX sated " we don't have to contact you ''. We have made every single mortgage payment on time our entire lives and honestly had no idea this had happened. This is absolutely wrong for XXXX to do this to someone. A simple phone call or mail would have notified us that the payment was late and we would have immediately made the payment. Still to this day I would not have known the payment was missed if it wasn't for Experian notifying me that my credit dropped. I have since filed a dispute that was denied by XXXX XXXX XXXX. I have now uploaded proof of Fraud from my bank during the same time the payment was missed. Something needs to be done about this.

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 2022-04-10
Company: Experian Information Solutions 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:
Experian and XXXX failed to eliminate a re-aged debt in my credit report. 

The original debt was with XXXX XXXX XXXX  and it is dated XX/XX/XXXX. It was sold to XXXX XXXX on XX/XX/XXXX. Given the age of the debt, the obsolescence date for XXXX XXXX XXXX XXXX was XX/XX/XXXX ( 7 years and 180 days ). Despite this, the obsolescence of this debt was was extended by the collector, as it is reflected by both Credit Bureaus, until XX/XX/XXXX. 

It is my understanding, according to the Federal Credit Reporting Act, that the sale or transfer of a charged off account by an original creditor can not change the allowable period a credit bureau can report a delinquent account ; therefore, a debt collector can not change the 7-year and six months reporting period, which in my case is long overdue. 

Given that the date for the Compliance/Obsolescence Date can not be changed by the original creditor or any debt collector which purchases the delinquent account, I requested from both bureaus to eliminate this debt from my credit report, which was denied. I believe that the decision of these 2 Bureaus overlooked the fact that the debt was re-aged, as it had expired in XX/XX/XXXX. 

I respectfully request that you consider the above-mentioned facts, and provide remedy to what I understand is a mistake from the Collector and the aforementioned 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 2019-11-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I pulled my credit report on XX/XX/2019 and discovered there was two collections in my report from Portfolio Recovery Associates, LLC and two hard inquiry 's. On XX/XX/2019 I sent a letter to Portfolio Recovery Associates, LLC which they received on XX/XX/2019. The letter will be on file. I asked Portfolio Recovery Associates, LLC for the following : 1. Provide a CERTIFIED copy of Authorization signed by me, naming their company as having my consent to furnish, update, verify, inquiries, add comments and/or dispute codes of any access to my personal credit report/file.

2. Provide a Certified copy of my full chain of assignment starting with the original creditor to any and every 3rd party collection company to present.

3. Provide a full accounting. Every charge, every payment, every fee, interest, credit, and any other amount attributed to the alleged account, and the date on which each event occurred, as well as a description of each event or purchase causing an amount to allegedly be owed. 

I received a letter from Portfolio Recovery Associates, LLC, but they did not give me what I asked for.They did not show me any proof that I owe this monies, but a letter stating my name, account numbers, and a balance. I am forwarding all my letters for you to see and Portfolio Recovery Associates, LLC to see just in case they claim they didn't receive my letters

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Appearing on Experian and XXXX  is XXXX. XXXX .XXXX  account XXXX. 
The balance on this account is XXXX dollars not what is being depicted. 
Experian automatically says the dispute is frivolous and won't allow a dispute..Experian breaks the law the FCRA in this regard.

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 2022-11-17
Company: Experian Information Solutions Inc.
State: GA
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'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$120.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$5600.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$760.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2023-03-13
Company: JPMORGAN CHASE & CO.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My husband, XXXX XXXX, and I attempted to purchase a backhoe using XXXX XXXX. The listing company was XXXX XXXX XXXX. Located at XXXX XXXX XXXX, XXXX, FL XXXX. After researching the company, I determined that it was a legitimate business. The purchase price of the backhoe was {$28000.00} and the shipping was {$2800.00}. I was advised by " XXXX '' from XXXX XXXX XXXX that we would need to wire transfer the money after he sent us an invoice. We wire transferred the money on Thursday, XX/XX/2023. We went to our bank, XXXX XXXX, and made the wire transfer to Chase Bank, in the name of XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX. Account XXXX. XXXX. On Monday of the next week, XX/XX/2023, I tried contacting " XXXX '' from XXXX XXXX XXXX. There was no response, and he did not respond to email either. The next day I contacted the owner of the company, XXXX XXXX. XXXX XXXX advised that it was not her company that we bought the backhoe from. She stated that her company and her name were fraudulently used to sell this equipment and that approximately two weeks prior to this she received a call from another person who also thought they had purchased a piece of equipment from her company. On XX/XX/2023, I attempted to contact Chase Bank fraud department. The person I spoke to advised me to contact my bank, XXXX XXXX. I contacted my banker, XXXX XXXX, and advised him of the situation. He immediately submitted paperwork to Chase Bank that this was a fraudulent wire transfer. He also advised that he had a contact at Chase Bank that he could call. XXXX XXXX called me back a little while later and advised that his contact told him that the money was still in the account and that Chase Bank had a restriction on the account. I then received a letter from XXXX XXXX, stating that " As the money will not be returned from the receiving bank, we are not able to reimburse you. '' I once again called XXXX XXXX and spoke with him about this letter. He said that he would call his contact at Chase Bank and inquire into the account. He later called me and advised me that his contact had told him that the money was still in the account, the restriction was still on the account and that Chase Bank was not able to get a hold of the account holder to ask their permission to release my money to me. His contact advised that I would need to take another route to have my money returned to me. In the interim, XXXX XXXX, the owner of XXXX XXXX and/or her husband, filed a police report with XXXX XXXX XXXX XXXX XXXX Department XXXX I was contacted by a XXXX XXXX. XXXX XXXX requested that I file a police report with my local XXXX XXXX XXXX which I did. I have attached the following documents to this complaint : 1. Invoice - Unredacted 2. Bill of Sale - Unredacted XXXX. Wire transfer - Unredacted XXXX. XXXX XXXX Police Report - Unredacted XXXX. XXXX XXXX XXXX Police Report - Unredacted 6. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
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:
The following account is a fraud account as I have never opened or used it : Portfolio Recovery Associates account XXXX The attached original creditors bank statement shows XXXX XXXX as part of my address, but I never lived in that XXXX and it doesnt match the correct XXXX XXXX showing on my credit report.Please delete asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting 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, 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 2022-11-17
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation