BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-23
Company: Rocket Mortgage, LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a refinance through Quicken Loans. I provided all the documents requested by their initial loan originator. They pulled my credit, received my XXXX and last two years XXXX and recent paycheck studs and I met their requirements to complete an application. They asked me to pay {$400.00} up front for the appraisal. I did. They locked me in with an agreed upon interest rate. I went through the entire process and was about to close when they decided that they were not comfortable my current job status as an contract engineer and at that time wanted to see that my contract would not end for another 3 years, even though I was a XXXX employee and provided that information upfront. I want my {$400.00} refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
MOHELA IS IN VIOLATION OF THE ADA ( AMERICANS WITH DISABILITIES ACT ). 
I've tried multiple times via email and the chat option ( when it's available ) to have Mohela apply one month toward my PSLF count. That one month was placed on administrative forbearance ; I've let them know that 34 CFR 685.219 ( c ) ( 2 ) ( v ), passed XX/XX/2022, requires any months where Administrative Forbearance exist is to be applied toward PSLF counts. They continually tell me that the month does not count because of the forbearance. Upon my request to speak to a supervisor, they have told me several times that I can not speak to a supervisor via email or chat ( when it's available ) but that I have to call them. I've explained to them that I am XXXX XXXX XXXX XXXX, so calling will not work. They still refused to have a supervisor respond via email or chat. I also have attempted to " call '' Mohela through TTY. The TTY number XXXX in contacting Mohela does not work. I tried several times and it will go to an automated voice that keeps translating the same message over again and shortly after, the call ends, even though I follow the one prompt on it. Besides being unable to talk to a supervisor, I can not even contact one in any method available to me. Mohela is in violation of the ADA and is subject to a lawsuit as a result of this violation.

In addition to the ADA violation, there's also the violation of 34 CFR 685.219 ( c ) ( 2 ) ( v ) that they won't apply the ONE month toward my count. All I wanted is to have that month counted and as a result of their discriminatory policies, I've discovered the ADA violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I used PayPal on XX/XX/2021 for a transaction from a seller on XXXX The seller ripped me off and did not send all my items for one and the quality of the items made were not anything he said they were. Some were broken upon arrival. Some were flimsy and toy like. The items should have been sturdy able to handle impact and force. These could not. I wanted my money back the seller would not. I went through PayPal for a refund through the buyer protection they offer. 
Now PayPal keeps fighting me on my refund. They did not give me time to return the items or when I said the seller needs to pay for his junk to be shipped they were going to ask him and did not even wait for his response and denied my claim. This makes no sense since I was the one ripped off. 
I just talked to paypal again yesterday XX/XX/2021 and they have reopened the case. Told me I have ten days to provide a shipping tracking number. Today the XXXX I received an email saying that my claim was denied for not providing a tracking number. It wasnt even 24 hours!! 
I am tired of fighting with paypal to get my money that was taken from me by lies and deceit. Along with their actions of not protecting me like the said they would. I did nothing wrong and was taken advantage. I was supposed to be protected through paypal which is why I used them. Turns out they are thieves as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/17 I received XXXX 's credit card in the mail at my XXXX address, account ending # XXXX. I reported identity theft to XXXX XXXX - XXXX XXXX XXXX. XXXX 's processed claim to close card. I received letter dated XX/XX/17 to my previous address in XXXX XXXX, IL XXXX that I had applied for XXXX XXXX  credit card - XXXX XXXX XXXX Ref ending # XXXX. I contacted XX/XX/17 to report identity theft. I received another letter dated XX/XX/17 to my previous XXXX XXXX address that I had applied for XXXX XXXX XXXX credit card -XXXX XXXX Ref # ending XXXX. I contacted XXXX XXXX on XX/XX/17 to report identity theft. XX/XX/17 Called XXXX XXXX to report identity theft on XXXX XXXX XXXX credit card inquire ref # ending XXXX. XX/XX/17 pulled credit report, submitted fraud alerts with all 3 credit agencies, submitted Police Report and Identity Theft Report to Federal Trade Commission. XX/XX/17 Submitted extended fraud alerts via mail request and mailed dispute requests to credit card companies and credit agencies.

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 2022-06-16
Company: EQUIFAX, INC.
State: AL
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:
XXXX. XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts are on my credit report and they need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
A letter was sent to my place of employment, that was a false court document, asking to.garnish my wages.They wanted banking information, and social security number information.They put my job in jeopardy by doing so, on top of the humiliation I had to face at work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
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: Credit inquiries on your report that you don't recognize

Complaint:
Several hard inquiries and wrong as addresses and wrong name XXXX which I never used My name is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-16
Company: Experian Information Solutions 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:
i have challenged the XXXX XXXX accurate reporting of this XXXXXXXX XXXX XXXXXXXX charged off account being reported by the credit bureaus as required by law XXXX  times now... i have pointed out that this account is being reported as a re aged account... XXXX XXXX XXXX XXXX and experian are still reporting inaccurate information on my credit report and doing so they are violating my consumer rights... i have attached proof of the inaccuracies but let me write them out for you if you take a look at the date of last payment the bureaus are reporting XXXX, but if you look at the 2 year payment history they are reporting it as XX/XX/2022 ... .this is inaccurate reporting and a violation of my consumer rights if you take a look at the account number XXXX  is reporting XXXX, experian  is reporting XXXX, and XXXX  is reporting XXXX ... both cant be accurate and therefore they are violating my consumer rights, if you see the high credit amount they are reporting XXXX XXXX XXXX XXXX ,this is inaccurate reporting

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 2015-12-01
Company: Nationwide Biweekly Administration, Inc.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This complaint is again Nationwide Bi Weekly Administration, IncThis company debited my bank account for my XXXX House payment and never sent the payment to my lender putting me XXXX house payment behind and owing a late fee. Additionally they debited my bank for my XXXX House payment which is due today, XXXX. My lendor has not received XXXX. The XXXX debits total XXXX I have been unable to reach Nationwide via phone, or email. Have called all XXXX of their phone numbers. Any help in resolving this quickly is most appreciated as I do not have the money to pay my house payments.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
So they put im dead and im not dead im XXXX and wondering why i cant do anything with my credit as well XXXX i owe 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 2022-06-16
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2022 I received the crediting reporting agencies investigation letters. The CRA 's still have yet to correct the inaccuracies on my consumer credit report. I have attached the last letter to try to resolve this matter out of court. If the CRA 's do not resolve this matter within the next 14 days I will be forced to enforce my foreign judgment 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 explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 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 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 2023-01-22
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:
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. 

The reporting of " bankruptcy '' ( # XXXX ), by all three credit reporting agencies has violated my rights and caused me harm, damage and distress. 

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 : 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. 

Sincerely, 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 explanation
Consumer complaint received 2019-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Attached to this complaint is a document showing a list of UNAUTHORIZED inquiries circled in RED ; that are showing on my Transunion and XXXX  credit files that I did not authorize. I am a victim of identity theft, therefore believe these are fraudulent inquiries.

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 2017-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I got XXXX collections on my transunion report that was deleted between XXXX XXXX and XXXX of 2017 and reinserted without prior notice and XXXX credit inquiries that was deleted and reinserted without prior notice, called them to solve the problem but they said they can not do anything.

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 2023-01-16
Company: EQUIFAX, 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:
i have challenged the XXXX XXXX accurate reporting of this XXXX XXXX XXXXXXXX charged off account being reported by the credit bureaus as required by law 6 times now... i have pointed out that this account is being reported as a re aged account... .equifax XXXX XXXX XXXX XXXX XXXX are still reporting inaccurate information on my credit report and doing so they are violating my consumer rights... i have attached proof of the inaccuracies but let me write them out for you if you take a look at the date of last payment the bureaus are reporting XXXX, but if you look at the 2 year payment history they are reporting it as XX/XX/2022 ... .this is inaccurate reporting and a violation of my consumer rights if you take a look at the account number XXXX is reporting XXXX, XXXX  is reporting XXXX, and equifax is reporting XXXX ... both cant be accurate and therefore they are violating my consumer rights, if you see the high credit amount they are reporting XXXX XXXX XXXX XXXX,, ,this is inaccurate reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This letter is to dispute XXXX account on my credit report I find as reporting questionable information. In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge this questionable information on my personal credit report. I do not recognize the information listed below as true and correct. Be advised this is not an admission I owe or acknowledge the below reference account as mine. 

I have sent multiple dispute letters and notification to Experian ( XX/XX/XXXX and XX/XX/XXXX ) related to the XXXX account on my credit report. Each time the credit bureau answers my dispute by stating the information is verified by furnisher and is reported accurately or " updated '', but information has not been corrected. 

You ( Experian ) did not perform a proper investigation according to the FCRA. In accordance with the Fair Credit Reporting act everything must be 100 % accurate on my credit report. You ( Experian ) state my account was properly investigated but how is that possible if the balance, two-year history, last activity, scheduled payment and high balance are incomplete not accurate. This is grounds for immediate removal. 

Because I already asked you to properly verify the accuracy of XXXX and you were unable to do and / or provide complete and accurate information within 30 days I demand you ( Experian ) remove this account from my report immediately. 

Account name : XXXX Date opened : XX/XX/XXXX Credit limit : {$300.00} Thank you for your diligence in addressing this issue and removing the account. 

Sincerely, Signed : 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 explanation
Consumer complaint received 2023-01-16
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 pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX XXXX. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2021-05-30
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I received an email about a remote job opportunity at XXXX. I saw that this opportunity was being relayed through my school, so I immediately trusted it, and I received information about it on my school email. I signed up for this fraudulent opportunity on a XXXX spread sheet. I signed with my name, address, and things of that sort. The opportunity stated that when hired your job would be to buy, package, and send goods to foster homes. I wasnt too skeptical and when I was told I got the job. A check was sent to my house and the check. It was made out from a restaurant to me. The lady who was texting me, I dont even know if it was a lady at this point, said that it was XXXX of their very close sponsors. I went to cash the check out at the bank on XX/XX/XXXX. The check amount was {$3900.00} and I was told to come back the next day because I had to wait for the check to clear. I was to use XXXX to get XXXX {$500.00} vanilla XXXX cards and send pictures of them to XXXX XXXX, the lady who reached out to me. The {$400.00} would be my cut. I was only able to withdraw {$500.00} the first day, XX/XX/XXXX, and the bank teller told me I had to wait XXXX day for it to clear. I waited XXXX day and went back to the bank on XX/XX/XXXX. The teller told me that the check cleared and gave me {$3000.00} in cash. After I got the cards that the " job '' needed it was too late. I called Citibank on XX/XX/XXXX because I wasn't able to access my account and a representative told me that my card is locked because it is overdrawn by over {$3000.00} and the account connected to the check that was deposited was frozen. I told the bank that wasnt possible and said I would contact the job ''. I was going through my email to look at their information again when I came across a scam email from my school. Ive done some research on situations like mine and after talking to customer service representatives from my bank for hours it doesnt look like I will be getting the money back. A representative opened up a claim for me to possibly get my money back but they are saying that since I withdrew the money I am liable. I dont think that this is fair at all because the workers at the banks are the experts and the bank should have some sort of policy on checks. I really can not afford to pay this amount to the bank and neither can my family. I was only able to get the {$500.00} that was withdrawn the first day and a representative helped me open up a new claim to dispute the {$3000.00} that was withdrawn on XX/XX/XXXX. This could take up to 90 days to process and I can not wait that long to access my account. It has already been nearly XXXX months.

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