BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-16
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: Credit inquiries on your report that you don't recognize

Complaint:
I went to XXXX XXXX to shop for cars on XX/XX/2023. During this visit, we were unable to reach a deal so I left the dealership. Later I received a message that my expectations for down payment and monthly payment could be met on a used vehicle, but I said that I would talk it over with my husband, who had been present for the visit to the dealership as well. 

This morning, XX/XX/2023, I checked my credit score and it had dropped by XXXX points overnight. So I researched the cause and discovered that XXXX XXXX had made two hard inquiries from credit bureaus without my permission. If more detail is needed, please advise and I will supplement.

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 2023-04-12
Company: Experian Information Solutions Inc.
State: SC
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXXXXXX XXXX XXXX XXXX  : # XXXX SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # 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 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 2023-04-12
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:
I am writing to delete the following information in my file. The items I need to delete are listed in in the report. I am a victim of identity theft and I did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Identity theft Affidavit. Please delete the items as soon as possible.

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 2023-04-12
Company: SUNRISE CREDIT SERVICES, INC
State: NV
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:
XXXX SUNRISE CREDIT SOURCEXXXX XXXX XXXX XXXX ARE ACCOUNTS ON MY REPORT WITH FRAUDELANT INFO/ PLEASE REMOVE AND REMITT ALL FUNDS DUE TO ME. PER 12 USC 1813

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 2023-03-16
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Freedom Mortgage Company
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage sent me a projected escrow analysis in XXXX notifying me that my payments were increasing over {$700.00} a month. They claimed based on their analysis my escrow had a shortage and they projected I would owe {$10000.00} from escrow along with a current shortfall. I am XXXX. I filed homestead exemption and my actual tax is {$1200.00} a year. My home is insured at XXXX XXXX and my insurance is {$2000.00} a year. They also take {$51.00} a month for mortgage insurance. Theis is {$3800.00} not XXXX. When I started reviewing the statements there are all sorts of phony withdrawals that when I ask them to explain they stated that occurred before the loan transferred to Freedom. So the customer service rep was rude, arrogant and more or less said they are paying the bills sent to them without investigating the source and passing the charges to me. I cant do anything else. I should not have too. I have statements from my insurance and tax stating what I really should owe from my escrow. Someone is stealing and I have multiple unexplained phony withdrawals from my escrow account and can not get acceptable answers.

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 2023-03-16
Company: Incomm Holdings Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
My father in law purchased a bunch of gift cards at once. This was a Visa Vanilla gift cared. All of them had {$50.00} on it but one, the one he purchased for my daughter. I called to get the issue fixed and get reissued another card. I had no problems getting ahold of someone at first. I sent them all of the information they requested. That was sent on XX/XX/XXXX. I was given the case # XXXX. I tried emailing to touch base on XX/XX/XXXX, XXXX XXXX ( from my work email ), XX/XX/XXXX, and the last one was sent on XXXX XXXX. I have tried calling several times. Every time I called I either kept getting transferred and the call dropped or they gave me different numbers to call and the calls wouldn't go through. 
I know this is only {$50.00} but that is still a pretty substantial amount of money to just throw away. All we are wanting is a replacement gift card or just a refund for my father in law. I have all the information you should need if I need to send anything to you. I have also attached the sticky note I wrote information on regarding contact information. The email that is written on there is the one I was given to send the information to. I was told I can also email for updates if need be.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I received an inquiry alert from XXXX on XXXX. When first calling Bank of America ( the same day ), the representative explained that they had no information in regards to any credit inquiries on XXXX. They then directed me to call XXXX because they stated that they had no information for me. 

I then called XXXX ( the same day ) but they were closed for the day. The very next day on XXXX, I called XXXX and they placed a fraud alert on my account and thought that it is very strange that Bank of America had no information for the credit inquiry. The XXXX representative then explained that they are only a data reporting unit. 

I did not authorize Bank of America to create a credit inquiry for me on XXXX and I am fearing that my personal information may have been used for possibly opening an account or line of credit in my name and identifying information.

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 2023-03-16
Company: Rocket Mortgage, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Regarding Rocket Mortgage : When attempting to login to the Rocket Mortgage site to pay the XX/XX/2023 payment, a pop-up briefly appeared prior to presenting the home page. 

Having two mortgages the same pop-up presented itself when attempting to login separately for each account. Only after the second login was I able to read the small window of the pop-up. It appeared for less than 3 seconds, with no action on my part dismissed itself, presented the payment center page and thanked me for " signing up for free credit monitoring. 

Not only did I not desire the " Free Service '' I was able to rapidly determine that there was no " opt out '' option available. 

Upon contacting Rocket Mortgage 's Account Resolution Team, they told that their I.T department would not remove this " feature '' from my account because I voluntarily signed up for it. 

If just attempting to use the the Rocket website is tacit approval for anything their I.T. deems useful to their business model I guess I'm guilty.

This type of behaviour is at least appalling and at worst a direct violation of the privacy rights of the consumer. 

I hereby formally request that Rocket Mortgage cease and desist in this deceptive and intrusive business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: Mr. Cooper Group Inc.
State: NM
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
wanted to buy a home listed by a realtor, XXXX XXXX listed in XXXX with the greater XXXX  Board of realtors, ( attached ) for XXXX $ and it was advertised that " Seller is willing to do a wrap in this beautiful home... .home is a minor fixer-upper, windows need some scrubbing because of sprinkler water, -- a handy- man special. '' I wanted to buy the home and then help my daughter buy the home from me, as she was a single mom self employed with 4 kids and one with a XXXX and they needed a home. We were told at the title company that my daughter can buy the home directly from the XXXX 's sellers. 
Both sellers and I and my daughter, purchasers, went to a title company the sellers had work previously in a transaction we were told " did not go through '' because the buyers did not qualify.My daughter lives at XXXX XXXX XXXX XXXX XXXX NMXXXX  Nationstar attorneys XXXX and XXXX are still trying to foreclose us in a case fromXXXX! and not settle even in light of the new federal legislation to workout with homeowners. We have lived and payed the house since XXXX. Bought it for XXXX " a handyman special ) and appraised at XXXX with XXXX title insurance. At filing of the lis pendens, in XXXX the house was valued at XXXX for a XXXX 3 bedroom 2 bath house 25 years old, there was a foreclosure sold ( superior property, 4 bedrooms ) down the street for XXXX in XXXX. The owners, XXXX XXXX and XXXX XXXX XXXX have put over XXXX in repairs and plumbing and roof repairs are underway. 
Nationstar bank and " assignees '' ( XXXX ) Bank is attempting to foreclose on a default judgment they could not recuperate anymore from mortgagors on a loan that is not on record prior the land contract The bank is not even waiting for the judge 's decision on the judicial foreclosure ( we paid almost 50 % of the home cash ) but already sent the home to a company called XXXX ( " assignees? " to work with realtors selling it from under us ) We went to a workout that the bank walked off from after us fulfilling all the requirements for a workout, including a condition that was met with delay from the mortgagors ( quit claim deed in my daughter 's name ) which was beyond our control XXXX did not do good on the settlement despite us going to the settlement ( we were offered prior, the house or the money, we told our attorneys, the house ) XXXX has deposited cash in a trust account which has been deposited in court ( around XXXX as far as we know ) I include a couple of checks but the trust company has to do a 3 way reconciliation and provide the authorities the audit results and some money has been retained by. the suing bank, nationstar. WE paid taxes and home insurance. We are told the land contract has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just got a credit alert that I have a property in Massachusetts. I do not. Address is showing XXXX XXXX XXXX. XXXX, Massachusetts XXXX. Attached is my current address for the last 45 years

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 2023-03-16
Company: ONLINE Information Services, Inc.
State: SC
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 companies has violated my rights. 
154 USC 1681 Section 602 States I have the right t privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: GA
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 list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : 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 an 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 or 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 2023-04-12
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items 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 items XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXXXXXX XXXX Balance : {$2500.00} XXXX XXXXXXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX Balance XXXX {$750.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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

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 2023-04-12
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:
Seriously, it's been a month since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: MN
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 non-monetary relief