BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-01
Company: SUN WEST MORTGAGE COMPANY, INC.
State: TN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Was emailed by my current mortgage lender about a HELOC back in XX/XX/2022. I contacted the company SunWest Mortgage to inquire about this program and they assigned me a loan originator, they collected some information and explained that I would receive documents to sign. I did complete that and then waited for further instruction. I was not contacted again until I initiated the status update. They indicated they could not pull credit because of a lock on my account. I explained the lock had been removed and they were ok to proceed. Another week or so went by and never heard a word. I followed up again and he explained I still had a lock on my file. That again was not true. They finally pulled credit and the process continued. I then received disclosures however upon review everything was filled out for a property I have not owned in XXXX years. I received an invoice to pay for an appraisal for that same property which was not my current owned property that I was applying for the HELOC on. I was assured that all would be fixed and disclosures etc would be resent. I never received anything. Continued to not hear any updates at all. I sent several emails and phone calls and never received any responses until I started inquiring to speak to managers. I was finally contacted back and said they were getting it all fixed. Still have not heard anything back. This is going on a XXXX month process now and the whole situation has been messed up from the beginning. I would like this to be resolved as soon as possible or my credit report repaired and the inquiries they caused removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Self Financial Inc.
State: ID
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:
On XX/XX/2022, I was notified of new activity from my XX/XX/2022 credit report. 
According to the credit report, a new loan account was created on XX/XX/2022 in the amount of {$520.00}. 
I notified the 3 credit bureaus and filed a police report that the new account was fraudulent. They informed me that the account was created using my old address and a phone number that I was not familiar with. 

XXXX first treated this as a normal dispute instead of a fraudulent activity and did not remove the loan account from my credit report. They actually resolved the first dispute by siding with the XXXX XXXX XXXX Self Financial. I also informed the XXXX reps that I was not able to reach a support person from XXXX XXXX / Self with the contact information they provided. They provided no help here, even when I told I think their contact information was incorrect. 

After the dispute was resolved in the bank 's favor, I contacted them again and finally had them escalate this to their fraud department ( and have since sent them a copy of my police report and am doing the same with XXXX ). The XXXX agents I talked with made it sound obvious that this was a fraud case since they helped me identify the phone number and address that was used in the fraudulent loan ... and yet, the dispute did not end in my favor. Also, XXXX 's online system for submitting paperwork ( XXXX ) is broken and does not accept PDFs or TIFF files, even though those were the exact instructions! 

Since XX/XX/XXXX through today, XX/XX/2022, I have been trying to contact XXXX XXXX XXXX  AND Self Financial Inc but could not reach any live person through any of their phone numbers and automated telephone systems. I even went to a XXXX XXXX  and they were also not able to reach a person by calling in. 

Self / XXXX XXXX apparently only helps their customers and have no means of supporting non-customers. Instead, their messages have directed me to an e-mail address. I finally e-mailed this e-mail address on XX/XX/2022 but have not been contacted as of XX/XX/2022. 

XXXX XXXX And Self Financial CURRENTLY DO NOT have sufficient support staff and actually have no live person to handle serious matters such as identify theft from non-customers. Look up their website info and try calling them, you'll get nowhere. ( XXXX ). 

I am still disputing this fraudulent account through the credit bureaus as we speak. I also want to world to know that criminals can open new loans through this company because they do not run credit checks, which made my credit freezes useless here as a form of protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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 : its also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Experian Information Solutions 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:
The Office of the Attorney General is the official child support enforcement agency in Texas. In addition to enforcing payment, the AG 's Child Support Division helps locate noncustodial parents, establish paternity, collect and distribute payments, and review and adjust child support orders.

15 U.S. Code 1681s1 - Information on overdue child support obligations Notwithstanding any other provision of this subchapter, a consumer reporting agency shall include in any consumer report furnished by the agency in accordance with section 1681b of this title, any information on the failure of the consumer to pay overdue support which ( 1 ) is provided ( A ) to the consumer reporting agency by a State or local child support enforcement agency ; or ( B ) to the consumer reporting agency and verified by any local, State, or Federal Government agency ; and ( 2 ) antedates the report by 7 years or less.

As noted above in the referenced statute concerning Credit Reporting Agencies, the only permissable purposes of reporting child support payments/non-payments has to come by " A State or Local child support enforcement agency ". The State of Texas is the only child support enforcement agency that's legally authorized to report child support payments/non-payments. XXXX, XXXX, & Experian are violating the FCRA by reporting child support payment history via-third party agency. The State of Texas does not have an account with E-Oscar that allows their computers to communicate with each other. 
The following account is in violation of the FCRA : 1. OAG Child Support Enforcement opened XX/XX/2016 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2022-09-21
Company: Experian Information Solutions 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 am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts 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 non-monetary relief
Consumer complaint received 2022-06-28
Company: EQUIFAX, 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:
The Office of the Attorney General is the official child support enforcement agency in Texas. In addition to enforcing payment, the AG 's Child Support Division helps locate noncustodial parents, establish paternity, collect and distribute payments, and review and adjust child support orders.

15 U.S. Code 1681s1 - Information on overdue child support obligations Notwithstanding any other provision of this subchapter, a consumer reporting agency shall include in any consumer report furnished by the agency in accordance with section 1681b of this title, any information on the failure of the consumer to pay overdue support which ( 1 ) is provided ( A ) to the consumer reporting agency by a State or local child su
pport enforcement agency ; or ( B ) to the consumer reporting agency and verified by any local, State, or Federal Government agency ; and ( 2 ) antedates the report by 7 years or less.

As noted above in the referenced statute concerning Credit Reporting Agencies, the only permissable purposes of reporting child support payments/non-payments has to come by " A State or Local child support enforcement agency ". The State of Texas is the only child support enforcement agency that's legally authorized to report child support payments/non-payments. XXXX, Equifax, & XXXX are violating the FCRA by reporting child support payment history via-third party agency. The State of Texas does not have an account with E-Oscar that allows their computers to communicate with each other. 
The following account is in violation of the FCRA : 1. OAG Child Support Enforcement opened XX/XX/2016 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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 : its also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-28
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:
Equifax and 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. 1681 Section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others or whom he is acquainted or who may have knowledge concerning any such items of information. However such information shall not incluide factual information on a consumers credit report obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: EQUIFAX, INC.
State: NY
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have right to 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

[ 15 U.S.C. 1681 ] ( 602 ) ( a ) : Congressional findings and statement of purpose. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

[ 15 U.S.C. 1681 ] ( 604 ) ( a ) ( 2 ) : ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

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 2022-06-07
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for the XXXX XXXX XXXX card through Chase when they were advertising a {$300.00} bill credit on your first flight purchase. When we received the card, I called to a live person to activate the card, and I asked the gentleman twice on the phone to confirm that I was receiving the {$300.00} bill credit for the card I was activating, and twice he said yes. Based on that confirmation and in good faith, I booked a XXXX flight to XXXX. When the bill arrived and I noticed the {$300.00} credit was not applied, I called Chase on XXXX at XXXX to inquire, where I was informed I had a different promotion all together. I explained that I signed up for a different promotion, and I followed up when activating the card by asking specifically if I was getting the promotion of the {$300.00} bill credit and purchased the flight on that assurance I was, and she said she would have to send a marketing escalation request ( XXXX ). 

I called Chase again today and and spoke with XXXX XXXX out of the XXXX MO call center, and he advised they closed my claim and mailed me letter. I asked if they had listened to the recorded call when I first activated the card where the person confirmed my offer, and XXXX said they notes he could see indicate that someone did and confirmed my account, and despite that claim was still closed. I advised him the due date of the bill is the XXXX and I am still disputing the offer. He said he can only add a temporary credit of {$300.00} which will allow me to pay the diffrence without penalty, but it could very likely come back at a later time as the credit being rejected and me owing it on the the next bill. He did reopen another escalation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

[ 15 U.S.C. 1681 ] ( 602 ) ( a ) : Congressional findings and statement of purpose. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

[ 15 U.S.C. 1681 ] ( 604 ) ( a ) ( 2 ) : ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

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 2022-06-28
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My US Bank secured Credit card where I had to put down {$300.00} deposit was closed XX/XX/15 I believe I was told by US bank that I have to wait a full month for my account to completely close out. I had noticed on my credit reports that they just updated the status information as closed account because I put in a notice to update the information. I made a payment on my account the same day I asked to close out my account I've had XXXX  3 times and I multiple times asked for relief. I have been charged late fees and interest charges back to back since I have closed out my account with them. I got my balance down from the reported amount of {$320.00} to {$220.00} expecting them to use my secure deposit of {$300.00} toward this balance. No instead they have charged late fees and interest charges honestly it is down right ridiculous now my account has racked back up to almost {$400.00}. I have asked to please remove the late fees already no they cant is what they told me. I have talked to a lot of employees that had no idea of what the policies are for secured cards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-29
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I looked on my credit report and noticed that Experian is in violation of 15 USC 1681b ( a ) ( 2 ) Which states In Accordance with written instructions of the consumer to whom it relates. I the consumer has never given a written statement that allows Experian to repost anything on my consumer report. Without my consent Experian has committed Identity Thief. There are XXXX different accounts that need to be removed. I have given them XXXX different exhibits that show accounts that are unauthorized. I also added written letters, an affidavit of truth, a letter of the exhibits violated by experian, a signed letter from a Notary Public, and a invoice for the XXXX federal violated rights. Each violation made my experian are for {$1000.00} dollars per violation.

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 2022-06-28
Company: Nationwide Title Clearing, Inc.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I purchased a " newly completed home '' at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX. On XX/XX/XXXX I was informed by the XXXX XXXX XXXXXXXX final permits for home were obtained.

Company response to consumer: Closed with explanation