BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-06
Company: Experian Information Solutions 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 have filed an identity theft report I need this fraudulent inaccurate information off of my credit report. This is hurting my family as well from purchasing a home. We are running out of options cant get a home and will eventually cause my family to be in a homeless shelter. Please help. I contacted this company several times by phone and by mail with still no progress. 

XXXX XXXX XXXX XXXX {$660.00}

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 explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to formally submit a complaint regarding the inaccurate information on my credit report, which I discussed with Experian on XX/XX/XXXX. To date, I have not received any response from Experian regarding this matter. I would like to provide you with the details of the inaccurate information and the necessary corrections : Account not belonging to me : Account Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt : Please remove this account from my credit 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 2023-06-14
Company: Rocket Mortgage, LLC
State: SD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced through rocket mortgage in XX/XX/2022 with a fixed rate and conventional loan, they just sent me a notice in XXXX my payments are going from {$1100.00} to {$1500.00} which I cant not afford, they states to call my homeowners insurance and my local treasury. My insurance company said my insurance had only went up by XXXX $ a month and the treasury office told me taxe property in my area only went up {$270.00} so only {$23.00} more a month, which is about {$50.00} not almost {$500.00} I called my mortgage company and advised of this and they are not willing to explain the reason of the adjusted payment or willing to work with me, I believe when I refinanced with rocket mortgage they made mistakes in the process, I believe they no they made a mistake since Im getting no answers from them, which is causing stress landing me in the hospital for 3 days and this will make me lose my home that I world so hard as a single mom of XXXX kids living at home. I should have rights, with my payment going up so without notice and no explanation, rocket mortgage needs to be looked into how they are processing loans and following all regulations and not doing shady business, and hiding bad business practices

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Regarding the erroneous information I discovered on my credit report, I am submitting this complaint. A sizable amount of illegal inquiries as well as some inaccurate information reporting can be seen on my credit report. I am aware that my identity has been stolen. I formally reported this to the FTC with File Numbers # XXXX and # XXXX as a result. I have incorporated that report into this complaint in compliance with the guidelines of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly remove these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. Please remove the following items off of my Credit 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 Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXX Balance : {$780.00} XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$4900.00} XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Under the provisions of the Fair Credit Reporting Act section 605b, You are required by law to remove any accounts and information that resulted due to identity theft. Please comply with the law and have the disputed items removed 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 2023-06-14
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have a HELOC with Rushmore Loan Management Services ( RLMS ). RLMS does not allow me to pay down the principle of the loan anytime I want to. It only allows me to add to a monthly payment AFTER it has calculated the next monthly payment. 

I've had this HELOC for XXXX years ( transferred from one service provider to another ) and have not encountered this with my HELOC before. I feel that RLMS is preventing me from paying down the principle so that they can allow interest to accrue on a daily basis and make me pay more interest than necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: EQUIFAX, 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:
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 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, GA XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX Balance : -, XXXX XXXX Balance : -, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX  XXXX Balance : {$180.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX : {$1300.00} XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1800.00}, XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX Inquired on 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 XXXX business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Wells Fargo Branch at XXXX XXXX XXXX XXXX XXXX, CA XXXX made a huge error that they refuse to rectify. I opened a checking and savings account ( with a large amount of money ) and a credit card. After the accounts were opened and the credit card had been applied for I got a call from someone from Wells Fargo Credit services, asking me if I had applied for a credit card. They called me XXXX XXXX. My name is not XXXX XXXX. It is XXXX XXXX XXXX. I got so nervous that someone would have access to my accounts. I called someone from the Wells Fargo Executive team and they said they would call me back in 24 hours with a resolution. Nobody from Wells Fargo called me back. So I went into the branch to try and fix this situation and the Branch Manager there XXXX XXXX was very rude, disrespectful, and not helpful. I wanted to close my accounts because I am nervous with the way they got my name wrong on the credit application. My credit is very important to me. With the current reputation that Wells Fargo has I would think they would want to help fix their error. I was able to close my checking account today 2 business days later. But Wells Fargo is still holding {$20000.00} in my Savings account that I was trying to close. The funds have cleared my XXXX XXXX & our now at Wells Fargo. The Branch Manager XXXX XXXX was so rude, and unprofessional. I was offended that the Branch manager was talking down to be and not willing to fix their error. He also indicated that he can not confirm if the check cleared or not and/or can not confirm i.e. " I would not know how to confirm that. '' This is absurd to me that a branch manager as he was represented to me did not know how to confirm and/or can confirm such a basic info. Wells Fargo still holds my funds that was cleared from my own personal account at 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 2023-05-16
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
In XXXX 2023, I sent XXXX a letter to opt out, they have not complied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have owned my property for 30 years. Upon my husbands death I had to file bankrupty once it was discharged the mortgage company refused to report it to the credit bureau stating it was bankrupty policy not to report accounts even though they had been discharged and have been in good standing for years. 

I tried calling and was told even though this was 15 years ago it was their policy and there was no remedy for this. 
I called the credit bureaus and was directed back to the company which refused to help. 
The mortgage company is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Fl. 
XXXX XXXX XXXX. XXXX no is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I, XXXX XXXX XXXX, am a victim of identity theft. I did not consent to, authorize, or benefit from the following accounts/inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX Attached below is a copy of my FTC Identity Theft report. I also have multiple addresses, names and employers on my consumer report that may be due to association with said fraudulent accounts. Please remove that false information as well.

Also attached below are copies of my drivers license, social security card and recent utility bill with my current address. I have also mailed each of the major 3 Consumer Reporting Agencies via certified mail on this matter. 
I fully authorize the CRAs and I am not an unauthorized third party.

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 2023-08-05
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Permitted & PAID DEBIT CARD CHARGES THAT UNAUTHORIZED-OVERDREW FRAUD-ACCOUNT AFTER SPECIFICALLY DECLINED OVERDRAFT PERMISSIONS & OVERDRAFT PROTECTIONTHEN BEGIN CHARGING ONEROUS DAILY CHARGESoverdraft fees, taking ENTIRE PAYCHECK!!!!! Reimburse all funds taken by Regions after wrongfully paying charges that triggered insufficient funds after STRICTLY ADVANCED DID NOT WANT OVERDRAFT PROTECTION-or any overdrafts. As soon as reinstated overdraft fees, began accepting items that overdrew account-expeditiously getting paid for advances! I DID NOT WANT OVERDRAFTS FROM DEBIT CARD-SHOULD DECLINE!! INSTEAD TAKING MONEY I NEVER EXPECTED!! FRAUD!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: PNC Bank N.A.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My complaint is about Refinancing a vehicle ( XXXX XXXX XXXX XXXX ) through PNC Bank, PNC bank then sent a check to XXXX XXXX for the pay off, however they sent the check to the wrong account. 
This leading to it effecting my credit drastically. 
I refinanced my vehicle XX/XX/XXXX. XXXX specialists name is XXXX XXXX. 
Address is PNC bank XXXX XXXX XXXX XXXX PA XXXX Since refinancing on XX/XX/2018 I have received XXXX billing statements from XXXX XXXX. The first bill was a general bill, ( when reviving the first general bill without late fees and charges I immediately reached out to XXXX XXXX. I then continued to receive bills from XXXX, the second and third bill both had late fee charges making my account passed due when all of this should have been paid off by PNC bank. 
XXXX XXXX is stating they are not at fault for my credit dropping because they can no longer locate the check PNC bank incorrectly sent out to the wrong account, which means PNC would be at fault for all the issues I am having since refinancing with PNC bank. 

XXXX XXXX was contacted again XX/XX/XXXX to inform him of the late payment notice from XXXX financial. 

On XX/XX/XXXX he replied stating he spoke with XXXX XXXX and stated nothing negative would happen to your credit XXXX. 

On XX/XX/XXXX you received the notice and I called PNC and spoke to XXXX in the escalation department. She stated she would get the loan and your credit XXXX corrected. Havent heard back from yet. 

It is now XX/XX/XXXX and I have received yet another bill from XXXX financial to bring it to a grand total of {$630.00} and my credit is still being effected. 

To date the loan is in default and impacting my credit XXXX despite the conflicting responses from PNC. 
Also noting that I have paid XXXX LOAN payments with PNC Bank since XX/XX/XXXX when refinancing my vehicle through them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
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. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The afore mentioned accounts have violate my rights per the following laws : 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
Consumer complaint received 2021-06-29
Company: CREDIT ACCEPTANCE CORPORATION
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:
I bought a car from XXXX on XX/XX/2020. 

For some reason, the Credit Agency is not reporting my loan at all. 

i have attached the entire contract.

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 2022-10-03
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Conn's, Inc.
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Paying off a loan with Conns Home Plus, in 2 years ( Was set as 3 years ). They precalculate interest, and I have already paid more in payments over 2 years than would be required over 3 years. They continue to say the info is calculated right, but when I calculate it is obvioulsy wrong. They use the rule of 78 which says at this time I should be due a refund of overpaid interest, but they say I still have a balance on my loan. The amount has been increasing drastically every month. In XXXX payoff was supposed to be {$100.00}, I didn't have a payment due for a while so I made my next payment in XXXX ( {$140.00} ). Now my payoff is {$91.00}. The numbers did not add up, so I put all the information without a 2 year amoritization ( As if my payments were paid in 3 years ) and I have already overpaid by {$250.00} with additional amount still owed. Not getting much help other than Conns saying they are right and I still owe this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : First Premier # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The afore mentioned accounts have violate my rights per the following laws : 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
Consumer complaint received 2021-12-30
Company: EQUIFAX, 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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

Company response to consumer: Closed with explanation