BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-24
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:
The XXXX account XXXX account XXXX  XXXX, XXXX account XXXX XXXXXXXX, and Equifax account XXXX XXXXXXXX has violated my rights. Under 15 USC 6802 ( b ) ( 1 ) ( b ) " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; '' I was never given an opportunity to opt out of my nonpublic information that this financial institution had of mine to be shared to any third party entities before my debt was given to a third party organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my the same company in XX/XX/2021 for a lower rate. Then about a month ago Rocket Mortgage cold called me and said they had made an error in closing out my previous escrow account and I owe them {$3600.00}. I was shocked and asked for documentation to analyze. The sent confusing document same day and called me every day after until I told them to back off as I have a full time job, family and other complications in my life. They took 8 months to find their error and expect me to pay up in 24 hours! I will not be bullied. I've kept in contact with them and I've done my due diligence. I've since uncovered that they have made some serious accounting errors and they likely owe me more money. I'm sending them my spreadsheet analysis and am happy to share all the details as well as the lengthy email thread I've had with their 'Servicing Escalation Specialist '. I'll note that they've admitted the error was theirs and that I warned them back in XXXX that I thought there was an error. I proof of all this. 
What rights do I have against a company asking me to refund escrow money without sufficient proof? Should someone be asking how they were able to XXXX up my escrow so badly? They said that they sent my Earthquake insurance payment with those of other customers and resulted in an overpayment. That was returned to me from the insurance company and could only go to me as the policy holder. Now they want that back but I have evidence they've already taken it. Please help me force them to prove their claim pay me mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: WELLS FARGO & COMPANY
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:
Wells Fargo card services has been furnishing erroneous information to my consumer report for years. They are stating that I owe a balance of {$1500.00} yet they have sent me a XXXX dollar check and have been unable to explain the reason for sending me a XXXX dollar check when I am supposedly in debt. I request that this incorrect information be removed from all three of my consumer reports XXXX XXXX XXXX and XXXX. I request that Wells Fargo reply to my affidavit of truth that I sent. Wells Fargo card services has also been using abusive debt collection practices. I request that Wells Fargo pay the invoice sent in my affidavit for all consumer violations. This is an invalid debt and it is completely erroneous and hurting my financial standings my physical health and my reputation Via my consumer 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 2022-05-23
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 XXXX Account Name : XXXX XXXX XXXX Account number : XXXX, Account Name : XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: JPMORGAN CHASE & CO.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I began the process of refinancing my mortgage through Chase on XX/XX/XXXX. I responded promptly and on time to every request that they provided me, including uploading specific documents through their dedicated web portal. Then, on XX/XX/XXXX, I received the included letter, with a due date of of XX/XX/XXXX. However, upon reading the letter, some of the requests were very difficult to understand due to the use of sentence fragments, unfamiliar abbreviations, and poor grammar. Therefore, on XX/XX/XXXX, I called XXXX XXXX, my home lending advisor, who reviewed the document and told me that it was a system-generated letter that was not meant for customer release. He explained a few of the items on the list, indicated that others did not apply to our situation, and that overall agreed that this letter needed to be cleaned up and properly issued. He advised me that he would take this to his management team and work on getting a new letter drafted with clear instructions and an updated request for missing documents. 

On XX/XX/XXXX, when I had not heard any follow from XXXX or Chase, I sent him an email inquiring as to when I could expect to see these changes. He replied that he escalated the letter to his management team and confirmed that the letter was " system generated '' but did not provide a timeline. On Monday, XX/XX/XXXX I reached back out via email to inquire about the status, stating that even if it was not resolved by this date, I would like to have an estimated timeline by when it would be resolved. Subsequently, around XXXX XXXX XXXX XXXX, I called both XXXX and XXXX 's manager, XXXX XXXX. Both of their voicemails indicated that they return phone calls received during business hours on the same day. Neither of them answered, and I left a message for both, and have not heard back. 

Thus, at this point, I have been ghosted by the mortgage team as they are no longer responding to phone calls or emails in the previously agreed upon timeline. Furthermore, nobody has updated or revised the attached letter requesting missing documents that is unintelligible, not intended for customer release, and with issues that do not apply to my mortgage situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-24
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I was approached by a XXXX XXXX employee with an offer to apply for a credit card. They said that I would get a {$50.00} credit if I applied today. I went home the same day and applied for a XXXX XXXX XXXX through Synchrony Bank on XX/XX/XXXX. The offer was posted online as well. I saw on my statement that they only gave me a {$30.00} credit. I called on XXXX to ask why and they said I was not approved for the credit card until XX/XX/XXXX which was after the promotion ended. Even though I applied and eventually approved they would not honor the advertised offer.

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 2022-05-23
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business ( I am a XXXX Patient. I XXXX XXXX as part of my online job and XXXX XXXX I also have traditional business in my town for XXXX XXXX XXXX XXXX XXXX XXXX. ) since 2017. 

Recently, last XX/XX/XXXX, I bought XXXX to grow my money and I had received the amount due to me and was sent to me from different person internationally who offered the XXXX exchange. The reason I had my transactions to received several from different person because of the capital and interest on XXXX purchase. 

My paypal account : XXXX has stucked funds in it that I have to withdraw it asap for my medicine purchases. 

And I am hoping that I will get back my account, buy my meds in XXXX, and able to withdraw my funds. 

Thank you and God bless.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: NM
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:
When I sent a copy of the FTC report, it took some time to learn that the credit bureaus are not obstructing records. Since it is required by FCRA regulation 605b, I'm sending my complaint to help with organizing a legal response. If you choose not to stop the other items listed below that are responding falsely as a result of fraud. The following items need to be deleted from my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXXXXXX XXXX Acct # XXXX XXXX XXXX XXXX Section 602 A. States that 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 instruction 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 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 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 non-monetary relief
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 requested my annual credit reports. I received an error message that the annualcreditreport website crashed and couldnt review my report. I followed their instructions to contact them and request my reports again. They sent a letter stating that I had already received the reports. I recontacted them and explained the situation and they apologized and asked me to request the reports again. Again, I received a notice that I was not eligible until 12 months passed.

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 2022-05-23
Company: Experian Information Solutions 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 XXXX Account Name : XXXX XXXX XXXX Account number : XXXX, Account Name XXXX XXXX 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

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 2022-05-23
Company: EQUIFAX, INC.
State: LA
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 XXXXXXXX XXXX Account # XXXX and US Dept of EDU 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 response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: Seterus, Inc.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We received a notice on XX/XX/XXXX from Seterus, Inc indicating we were in default and owed {$3200.00} to cure the default as of XXXX/XXXX/XXXX. The XXXX/XXXX/XXXX letter also indicated that Seterus, Inc had filed a Notice of Intent to Foreclose. The letter indicated no legal action would be filed for 45 days from XXXX/XXXX/XXXX. I notified Sererus XXXX XXXX XXXX XXXX at XXXX and by fax at XXXXby phone, by fax and by mail that we would be able to pay the default amount in two installments in XXXX and XXXX. The amount needed to cure the default as of the XXXX/XXXX/XXXX notice is {$3200.00}. I indicated in my voice mails, my fax and my letters sent XXXX/XXXX/XXXX that I would make two installments of {$1600.00} in XX/XX/XXXX and XXXX to cure the default and prevent foreclosure. I also indicated that I would pay the regular monthly mortgage payments of {$950.00} in XX/XX/XXXX and XX/XX/XXXX in addition to the {$1600.00} to pay the default amount and bring our account current. I got a call back on XXXX/XXXX/XXXX from XXXX at Seterus at XXXX that my fax was illegible I recontacted him and XXXX XXXX XXXX indicating what the fax was asking and also indicating that I had mailed a copy of the letter and the fax material. The copy I mailed to XXXX XXXX and XXXX were legible. Essential I indicated to them that we were offering the abnove proposal to bring our account current and to avoid foreclosure. I indicated I planned to make the above payments but wanted a breakdown of how the default amount was arrived at. THe person I contacted at Seterus, INC on XXXX/XXXX/XXXX was XXXX XXXX XXXX Consumer and Government Affairs ph XXXX fax XXXX. 
I mailed correspondence ( the fax material ) to ( 1 ) Attn XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and ( 3 ) XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Consumer Portfolio Services, Inc.
State: WI
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:
Unauthorized Hard Inquries XXXX. XXXX XXXX XXXX XXXX, XXXX ph # XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX ph # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My Information was ran by these companies without written consent. I have listed the companies below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-23
Company: EQUIFAX, 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:
Upon reviewing my updates, incorrect information are being reported to my personal credit file. I sent them letters requesting the verification and deletion of unauthorized inquiries I found on my Credit Report dated XX/XX/XXXX. The XXXX, Equifax, and XXXX Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; 1. XXXX XXXX XXXX XX/XX/XXXX1 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XXXX  XX/XX/XXXX 6. XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XXXX XX/XX/XXXX 12. XXXX XX/XX/XXXX 13. XXXX XX/XX/XXXX 14. XXXX XXXX XXXX XX/XX/XXXX 15. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 16. XXXX XXXXXXXX XXXX XX/XX/XXXX 17. XXXX XXXX XXXX XXXX XX/XX/XXXX 18. XXXX XXXX XXXX XX/XX/XXXX 19. XXXX XXXX XXXX XX/XX/XXXX 20. XXXX XXXX XX/XX/XXXX 21. XXXX XXXX XX/XX/XXXX 22. XXXX XXXX XXXX XX/XX/XXXX 23. XXXX XX/XX/XXXX 24. XXXX XXXX XXXX XXXX  XX/XX/XXXX 25. XXXX XX/XX/XXXX 26. XXXX XXXX XXXX XX/XX/XXXX 27. XXXX XX/XX/XXXX 28. XXXX XX/XX/XXXX 29. XXXX XXXX XXXX XX/XX/XXXX 30. XXXX XX/XX/XXXX 31. XXXX XXXX XXXX XX/XX/XXXX 32. XXXX XX/XX/XXXX 33. XXXX XX/XX/XXXX 34. XXXX XX/XX/XXXX 35. XXXX XX/XX/XXXX 36. XXXX XXXX XXXX XX/XX/XXXX 37. XXXX XX/XX/XXXX 38. XXXX XX/XX/XXXX 39. XXXX XX/XX/XXXX 40. XXXX XXXX XX/XX/XXXX 41. XXXX XXXX XX/XX/XXXX 42. XXXX XXXX XX/XX/XXXX 43. XXXX XXXX XX/XX/XXXX 44. XXXX XX/XX/XXXX 45. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX 47. XXXX XXXX XX/XX/XXXX 48. XXXX XXXX XX/XX/XXXX 49. XXXX XXXX XX/XX/XXXX 50. XXXX XX/XX/XXXX 51. XXXX XXXX XX/XX/XXXX 52. XXXX XX/XX/XXXX 53. XXXX XX/XX/XXXX 54. XXXX  XXXX XX/XX/XXXX 55. XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Equifax refuses to remove an incorrect entry from my credit report. It would be very easy to verify that my claim is true. This debt was discharged in US federal bankruptcy court on XX/XX/2015. The reporting agency seems to have a very flawed process of " verifying '' that the information they are reporting is correct. They simply ask the agency reporting the debt if it 's correct. If the collection agency says yes, they take their word for it. If Equifax were truly concerned with reporting accurate information, it seems they should hear both sides of the story. Why would they refuse to call attorney XXXX XXXX who represented me in Bankruptcy court and get documentation that the debt was indeed discharged? 
Address : XXXX XXXX XXXX XXXX # XXXX, XXXX, CO XXXX Phone : ( XXXX ) XXXX XXXX Or if they do not want to take his word for it, the court that discharged the debt : Bankruptcy ( XXXX ) XXXX Reference Number XXXX Date Filed XXXX XXXX, 2015 Date XXXX XXXX, 2015 Status XXXX Contact Details COLORADO FEDERAL COURT - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Please help me get this nagging false report corrected. Thank you. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 *XXXX XXXX Acct # XXXX 15 U.S.C 1681 Section 602 A. States that 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 instruction 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 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 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