BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-20
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: Account information incorrect

Complaint:
While looking at my credit reports I have noticed inconsistencies with the information all three credit bureaus have. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. XXXX  has XXXX, ACC # XXXX as Date Opened : XX/XX/XXXX, however XXXX  has the following info claiming to be accurate as Date Opened : XX/XX/XXXX, and Equifax has the following info claiming to be accurate as Date Opened : XX/XX/XXXX. XXXX  has XXXX, ACC # XXXX as not showing on the credit report AT ALL, however XXXX  has the following info claiming to be accurate as High Balance : {$0.00}, last payment not showing anything, and the credit limit as {$7000.00}, and Equifax has the following info claiming to be accurate as High Balance : {$7000.00}, last payment XX/XX/XXXX, and the credit limit as not showing on the credit report. XXXX  has XXXX  XXXX, ACC # XXXX as not showing on the credit report AT ALL, however XXXX  has the following info claiming to be accurate as High Balance : {$0.00}, last payment on XX/XX/XXXX, and the credit limit as {$3200.00}, and Equifax has the following info claiming to be accurate as High Balance : {$3400.00}, last payment XX/XX/XXXX, and the credit limit as NOT showing on the credit report. XXXX   has XXXX  XXXX XXXX  XXXX XXXX, ACC    # XXXX as not showing on the credit report AT ALL, however XXXX  has the following info claiming to be accurate as High Balance : {$14000.00}, last payment XX/XX/XXXX, and Payment Status : 150 Days Late, and Equifax has the following info claiming to be accurate as High Balance : {$0.00}, last payment XX/XX/XXXX, and Payment Status : 120 Days Late. XXXX has XXXX XXXX XXXX, ACC # XXXX/ XXXX as not showing on the credit report AT ALL, however XXXX  has the following info claiming to be accurate as XXXX XXXX XXXX , ACC # XXXX High Balance : {$7600.00}, last payment XX/XX/XXXX, and Credit Limit : {$7000.00}, and Equifax has the following info claiming to be accurate as XXXX XXXX XXXX, ACC # XXXX High Balance : {$7000.00}, last payment XX/XX/XXXX, and Credit Limit : {$0.00}. If these are the same accounts, how is the supposed verified information listed on my credit profiles different from one another?  This is not possible and because of this inconsistency, please DELETE the following account from my credit profile immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In connection with my application to refinance an existing mortgage, Quicken Loans required my wife and I to complete an outdated and superseded version of IRS Form 4506-T, Request for Transcript of Tax Return. The version we were required to E-Sign on Quicken 's website, or download from the website, complete and return, is dated XX/XX/XXXX. That version of the Form includes in line 5a the name and address of a third party to which the tax return is to be mailed, XXXX, an agent of Quicken Loans. 

The current version of Form 4506-T is dated XX/XX/XXXX. It does not include line 5a or any line for entry of the name and address of a third party recipient. By way of explanation, the current Form includes the following note : " Effective XX/XX/XXXX, the IRS will mail tax transcript requests only to your [ i.e., the requesting taxpayer 's ] address of record. '' This change is further explained in the following note on page 2 of the Form : " What's New. As part of its ongoing efforts to protect taxpayer data, the Internal Revenue Service announced that in XX/XX/XXXX, it will stop all third-party mailings of requested transcripts. After this date masked Tax Transcripts will only be mailed to the taxpayer 's address of record. '' I asked Quicken in writing several times why it continues to use a superseded form. I finally received an answer by email on XX/XX/XXXX. The answer states in pertinent part that the outdated version of Form 4506-T " ... is the form we normally send to the IRS to request tax transcripts. We have not received any push back from them. If there are any issues with the form the IRS would certainly not provide the requested information. '' Quicken Loans should not be permitted to use a superseded IRS Form 4506-T in an attempt to circumvent IRS policy, which expressly prohibits the mailing of consumer tax returns to third parties. Moreover, if it does so, the IRS should not violate or ignore its own stated policies by mailing consumer tax returns to Quicken Loans or its agents. 

To be clear, I have no objection supplying Quicken Loans with a copy of my tax returns. Indeed, I have done so. My objection strictly pertains to Quicken Loans ' use of a superseded form to circumvent IRS rules and policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for loss mitigation help and I was refused. I dont understand how my mortgage went from {$140000.00} to {$310000.00}. There were many payments missed during the housing crash but I dont understand how a company can add {$170000.00} to a loan because of missed payments. The property is worth {$120000.00} and they say I owe {$310000.00}. There has to be some kind of inflated number that Im missing here. This is just not a smart investment anymore. I know that Im just a number to them but if this house goes into foreclosure then someone will get it for probably {$75000.00} and we both lose. Id like to work with my mortgage company directly but SPS ( Select Portfolio Servicing ) will not allow me to. I dont understand why a mortgage servicing company has the right to tell you that you cant talk to your mortgage company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I'm requesting XXXX XXXX to remove my HELOC was part of my chapter XXXX filed back in in XX/XX/XXXX. I tried numerous times to rectify this w/the credit bureaus.The loan was transferred to XXXX XXXX XXXX and paid in full back in XX/XX/XXXX. I want the incorrect reporting removed from my credit reports - all 3 major bureaus and I would like proof that it has been done.

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 2021-08-19
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I used my debit card in person on the XX/XX/XXXX at XXXX to purchase cat food. When I put the card back in my new purse, which was a back purse I put my card in the pocket which I never do but wanted to get out of the store quickly. when I flung my purse back over my shoulder the card must've fallen out. ON the XXXX I used XXXX to make a purchase at XXXX. On the XXXX I noticed that I got a notification about my account being low. However, I hadn't used my card. There were numerous transactions at XXXX and XXXX which I never or hardly ever go to. My account had been drained. I called the bank and canceled the card and filed a claim. That the woman said I would have the money back in 1-2 business day guaranteed. When the money didn't go back in my account I called again. They said the exact same thing. I called again after two days and the woman then tells me I won't get the refund until the XXXX. Guaranteed! While out of town I get a letter stating I won't be getting the refund due to not calling immediately saying I lost the card and because it was used as a debit. I had not used my card since the XXXX and don't have it in my possession. I called them and that's all they told me. Didn't give me any other information. Earlier in the week I went to a branch trying to get more information and they were once again no help. Today I got an email stating that the reason the account was being closed was due to odd transactions. I called and they told me it was being closed because of the odd transactions at XXXX and XXXX. Which I in turn said the fraudulent transaction that you are refusing to refund me. They said yes and didn't help me any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
PNC has committed fraud towards me and in regards to my HELOC Home Equity Line of Credit. The interest rate they charge is contingent on several factors. One of them being that I receive a 1 % reduction in rate if I pull $ 30k from the line and carry the balance for at least 3 billing cycles. Right when my HELOC closed, I called in on XX/XX/XXXX at XXXX and spoke to XXXX XXXX on a recorded line ) who was very helpful. She confirmed the promotion of 1 % discount on rate for a $ 30k pull. She actually even completed the transaction for me over the phone, pulling the $ 30k from the line and transferring it to my bank account. She also confirmed if I kept the $ 30k balance through XX/XX/XXXX, I would automatically receive the 1 % discount. I ended up pulling more money out and then noticed by XXXX that I did not receive my earned discounted rate. I called in to PNC, they promised a quick response ( they never got back to me and I had to follow up twice ), and then I received a letter in the mail. The letter said " At the time the loan was closed, the promotion regarding a discount for withdrawing $ 30k or more, was not active, as it ended on XXXX XXXX. The current promotion is for a draw of $ 50k or more, to qualify for the 1 % discount ... ''. First off, I didn't even apply for the HELOC until XXXX of XXXX, so why would they offer me the promotion if it ended 6 months prior. Also why would customer service know about it when I called in right after my loan closed, confirmed it and help me make my $ 30k transfer ( please go back to the recorded line on XX/XX/XXXX, case # XXXX ). Furthermore, I have pulled out in excess of $ 50k as of XX/XX/XXXX. So even if your " Current Promotion '' is $ 50k, I still met and exceeded that marker and you are still arguing with me and not honoring the obviously valid promotion ( s ). I want my 1 % reduction in rate that I was sold on and promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The companies below I don't not recognize XXXX XXXX XXXX ( XXXX  ), XXXX XXXX XXXX ( XXXX  ) I've never done business with this company. I don't have a contract with this company. This company has stolen my identity or have my identity without my permission. I have provided a police report they are report negative, fraudulent, unauthorized items on my credit report. I have ask for proof with my Id, signature, Signature of company representative on a contract between the company and I. How much the debt has been sold. Proof that they are licensed and bonded to collect in my state ( Georgia ). Accounting history, proof that the debt haven't been written off, discharged, and filed as a lost with the irs.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
While looking at my credit reports I have noticed inconsistencies with the information all three credit bureaus have. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. Transunion has XXXX, ACC # XXXX**** as Date Opened : XX/XX/XXXX, however XXXX  has the following info claiming to be accurate as Date Opened : XX/XX/XXXX, and XXXX  has the following info claiming to be accurate as Date Opened : XX/XX/XXXX. Transunion has XXXX, ACC # XXXX**** as not showing on the credit report AT ALL, however XXXX  has the following info claiming to be accurate as High Balance : {$0.00}, last payment not showing anything, and the credit limit as {$7000.00}, and XXXX  has the following info claiming to be accurate as High Balance : {$7000.00}, last payment XX/XX/XXXX, and the credit limit as not showing on the credit report. Transunion has XXXX  CARD, ACC # XXXX as not showing on the credit report AT ALL, however XXXX  has the following info claiming to be accurate as High Balance : {$0.00}, last payment on XX/XX/XXXX, and the credit limit as {$3200.00}, and XXXX  has the following info claiming to be accurate as High Balance : {$3400.00}, last payment XX/XX/XXXX, and the credit limit as NOT showing on the credit report. Transunion has XXXX XXXX XXXX  XXXX XXXX, ACC # XXXX as not showing on the credit report AT ALL, however XXXX has the following info claiming to be accurate as High Balance : {$14000.00}, last payment XX/XX/XXXX, and Payment Status : 150 Days Late, and XXXX  has the following info claiming to be accurate as High Balance : {$0.00}, last payment XX/XX/XXXX, and Payment Status : 120 Days Late. Transunion has XXXX XXXX XXXX, ACC # XXXX****/ XXXX as not showing on the credit report AT ALL, however XXXX  has the following info claiming to be accurate as XXXX XXXX XXXX  , ACC # XXXX**** High Balance : {$7600.00}, last payment XX/XX/XXXX, and Credit Limit : {$7000.00}, and XXXX  has the following info claiming to be accurate as XXXX XXXX XXXX, ACC XXXX XXXX**** High Balance : {$7000.00}, last payment XX/XX/XXXX, and Credit Limit : {$0.00}. If these are the same accounts, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please DELETE the following account from my credit profile immediately!

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 2022-08-13
Company: EQUIFAX, INC.
State: PA
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 submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX : {$420.00} XXXX XXXX XXXX : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX {$120.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$1900.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX : {$760.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$330.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX : {$760.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: RateGenius Loan Services 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:
It began when I submitted a request with XXXX for their free quotes on refinancing my XXXX XXXX. I read their terms and it states they would gather some information from me an sent it to several lenders. It also states that several soft inquires may occur by the lenders. Within minutes after completing the form for the fee quotes from XXXX I started to receive emails and phone calls from several lenders. 

Once I learned some of lenders offers I declined to continue with the process of getting a loan. Out all the these lenders with their offers, one lender, RATEGENIUS, somehow continued the process by completing a loan application. Then shortly afterward I receive an alert saying that RATEGENIUS had submitted a hard inquiry from XXXX. I ran XXXX XXXX and I learned that XXXX XXXX had done a hard pull on my XXXX credit report on XX/XX/2019. 

Today, around XXXX XXXX I called XX/XX/XXXX customer service and she connected me with the dispute team rep. The dispute rep I spoke to says there is not much I do about this hard pull even without my permission given to RateGenius. I have had several hard pulls in the past, but have never submitted a dispute. Today I decide to submit a dispute and the credit agency tells me I can't do anything but wait 2 years until it is remove from my credit reports. 

I just don't believe nothing can be done about these issues. So I am contacting your agency for assistance in this matter. Please help me in resolving this matter with Rate Genius Loan Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Between XX/XX/XXXX and XX/XX/2019 I had fraudulent charges show up on my hsbc account hsbc notified me of the charges they cancelled my card and sent me a new one but then they transferred the fraudulent charges to the new card I called and notified them of the mistake but they wont remove them and they keep adding fees to fraud charges I have spent hours on the phone with hsbc and recieved many calls from the collection department but there collection department doesnt handle fraud charges so it ends up recurring over and over I have not used my hsbc card since I was notified on the XX/XX/XXXX and I have not used the new card hsbc sent me yet my account is showing 2 cards with a total of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
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: Account information incorrect

Complaint:
Contacted credit bureaus XXXX, equifax, and XXXX I disputed items that were inaccurate on my credit report, and my scores are low and should be in the 620 to 650 range, but I download proof of documents showing I'm no longer responsible for the accounts, after the investigation they tell me they are not changing the information because credit says it's accurate when it isn't. Then they bar me from reviling another dispute. I have so many inaccurate accounts on my report that it causes emotional and financial stress to me because I can not get approved for credit.. Then the equifax and XXXX reports the same accounts twice driving up my debt to income ratio for amounts that appear on my credit twice. I have requested by phone talking with a very rude representative who refused to delete the accounts they are reporting twice. For example I have an arrears of XXXX with XXXX XXXX child support. The report the same account not once but twice making it appear that I'm XXXX in debt with child support when I'm only XXXX in debt. Also they have not removed the debt from my credit report that was divided from a divorce. They care nothing about fair credit reporting laws. They are very snooty, very sarcastic, for example the representative laughs and tells me over the phone '' Ha! Go read and report us, not like anything is gon na happen. We get complaints all the time to the ftc they have not done anything yet. " .i mean I am terrified that the XXXX government allows these agencies to rule over our credit because their main focus is keeping us in poverty and not allowing us to excel..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Portfolio Recovery is reporting a debt that was discharged on XX/XX/2011 and my attorney even sent a letter and email with no response, but its still on my credit report. Can you please help me with this matter. Portfolio Recovery Asso. XXXX XXXX XXXX XXXX, XXXX XXXX phone # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-19
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX and I do not have a contract with CREDIT COLL plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$210.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
in accordance with the fair credit Reporting act. XXXX, Transunion, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. States i have the rights to privacy. 

These Addresses do not belong on 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 2018-08-12
Company: JPMORGAN CHASE & CO.
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 am writting thid due to non-comliance with the CRA [ XXXX  ] They have failed to remove, update information that was inacctuare, incomplete reporting that had been challenge in the pass I strongly believe that they are in Violation of the FCRA and are outright refusing to uphold the Law

Company response to consumer: Closed with explanation