BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-15
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I received an escrow analysis from Rocket Mortgage on XX/XX/XXXX XXXX XXXX. They informed me that my County tax will be increasing {$2600.00} ( Rocket mortgage OWN ESTIMATE for XXXX ), representing an 82.3 % increase within 1 year - No significant work has been conducted ( resided here for 2-3 months ). For reference, the tax has increased 51.8 % from XXXX to XXXX, with the single highest year increase being 24.6 % in XXXX. 82.3 % is a borderline criminal estimate. This would also present as a 10 % increase to my monthly payment, 2 months after closing on my property. 

I reached out immediately after work, starting a live-chat with XXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ). I stated the issue, and asked " I'm curious how the value was reached ''. No details were provided, only that the estimate was {$5800.00}. She also stated the only way to re-estimate would be to wait until the next escrow analysis ( 12 months from now... ) or provide an updated bill for XXXX taxes, which per the tax commissioner office in my county, is conducted in XXXX each year, and a bill is compiled in XXXX ( 8-9 months from now ). 

An 82 % increase to my County taxes is a gross miss-estimate, they provided no justification for the value. To exacerbate the matter, I have a snippet of my escrow summary that shows a yearly/monthly payment that doesn't add up. 

Property Taxes ; Yearly ( {$5800.00} ) Monthly ( {$260.00} ) - This equates to {$3100.00} yearly... 
Homeowners Insurance ( HOI ) ; Yearly ( {$1500.00} ) Monthly ( {$120.00} ) - Equates to {$1500.00} ( rounding errors, close enough ) PMI ; Yearly ( {$1500.00} ) Monthly ( {$120.00} ) - Equates to {$1500.00} ( exact tie ). 

Might be worth noting they tried to buy-down interest rates without my consent, and used that to advertise a lower rate... But that's another story for another day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Ordered sofa on XXXX using Venmo with buyer protection, seller kept {$310.00} of my refund. Contacted Venmo several times and they keep giving me the runaround and are making me wait for my full refund. The buyer protection charge seems like a money grab and they make it difficult and time consuming to get your money back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: FL
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:
TODAYS XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : DPEDNELNET XXXX DPEDNELNET XXXX DPEDNELNET XXXX DPEDNELNET XXXX DPEDNELNET XXXX DPEDNELNET XXXX DPEDNELNET XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court.

I look forward to an expedite resolution of this matter Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
Company: LEXISNEXIS
State: TX
Product: Credit reporting 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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/2023

Company response to consumer: In progress
Consumer complaint received 2023-11-16
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
This company sued me in the state of Georgia without notifying me. I was not properly served and Georgia being the horrible state that they are let this happen. I looked up some reviews for XXXX XXXX XXXX and they are re-aging credit and falsely signing served paperwork in defendants names. I had 2 credit card accounts that are still on my credit report from the original creditor Comenity Bank. I had a contract with XXXX XXXX through Comenity and was enrolled in a program that offered account protection services. Not only did Comenity and XXXX XXXX deny these services after paying for it but they handed my bill to second round. The services was suppose to provide me relief if I involuntary lost my job through the company XXXX  XXXX. I was wrongfully terminated during the time I had these accounts and I even won a lawsuit for wrongful termination. After settling the wrongful termination with my previous employer, comenity still refused to take responsibility and contact XXXX XXXX XXXX regarding my account. It's been 5 years and they still refuse to fix any damages to my credit report. They also charged hidden interest fees in which they were sued for and yes I was one of the many people who was part of the class action lawsuit with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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. 

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 inructions 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 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to dispute hard inquiries that appear on my credit report, which I firmly believe are unauthorized and inaccurate. Upon reviewing my credit report, I noticed these unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-13
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We were notified that our escrow increased by {$71.00} per month when our insurance was reduced and our taxes showed only a {$20.00} per year increase. I called Mr. Cooper twice and yesterday was placed on hold for more than 40 minutes and they did not provide a reasonable answer. Our original mortgage holder was XXXX and in XX/XX/ were notified that our mortgage was sold to Nationstar and they quickly changed their name to Mr. Cooper. XXXX sent us the annual Escrow Account Discloser Statement in XX/XX/XXXX and they showed a escrow surplus of {$46.00}. Mr. Cooper claimed that they mailed us a XXXX on XX/XX/XXXX but we never received it. I asked why we were being charged the extra {$71.00} per month and they could not give me an answer. They told me they needed to place me on hold while checking and they never came back to the phone. The escrow specialist [ XXXX ] told me that she was located in Texas and I told her several times that she was very hard to understand. She continued to apologize but did not provide a reasonable answer. She then placed me on hold and never returned. Finally I was forced to hang up when the battery on my phone signaled low. Respectfully, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 any item 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 which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5200.00} ; XXXX XXXX XXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$16000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX 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 4 business days after the date of receipt.

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 2023-09-26
Company: American Credit Acceptance, LLC
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Fair Credit Reporting Act, denoted as 15 USC 1681, section 602a, emphasizes the importance of consumer reporting agencies like XXXX and XXXX to act with equity, impartiality, and a regard for a consumer 's right to confidentiality. 

Being the consumer, I assert my right, as recognized by 15 USC 6801, to keep my personal details confidential. This legislation specifies that financial institutions should actively and consistently uphold their clients ' privacy and safeguard their confidential, non-public information.

When referring to entities providing data to credit reporting firms, they're understood as financial institutions by this act 's definition. As stipulated in 15 USC 1681, section 604a section 2, a consumer report can only be provided under specific conditions, including having the explicit written agreement of the concerned consumer. I haven't granted such permission to the financial data provider or the reporting agencies XXXX, XXXX and XXXX. All forms of consent given to these parties, whether explicit, assumed, or otherwise, are now nullified. 

Furthermore, 15 USC 6802 ( b ) ( c ) mandates that financial institutions can not share private data with third parties without explaining to the consumer how they can prohibit such sharing. I wasn't apprised of this right. Moreover, 15 USC 1681C ( a ) ( 5 ) states that reporting agencies can not include certain adverse details, with certain exceptions, if they're older than seven years. The agencies are including such details without my authorization, which is a legal violation.

In addition, as per 15 U.S. Code 1681s2 ( A ) ( 1 ) A, institutions shouldn't provide potentially erroneous consumer-related data to reporting agencies. And, 15 U.S. Code 1681e insists that these agencies implement appropriate measures to avert infractions of section 1681c and to restrict their report provisions as detailed in section 1681b. I believe XXXX, XXXX and XXXX aren't adhering to these guidelines. 

Lastly, according to 12 CFR 1016.7, consumers can opt out whenever they choose. Hence, I'm deciding to discontinue your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: FL
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 requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to formally file a complaint against Experian located in XXXX XXXX, CA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, causing me significant financial and mental distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as required by the FCRA, they have failed to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past several months, Experian has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of Experian has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.

Company response to consumer: In progress
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These items have been hurting my score significantly and I need them removed asap. These negatives items are stopping me from getting a house for my family. It's been far too long and nobody has helped me yet. Please get all of these items removed.

Company response to consumer: In progress
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: In progress
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: NY
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: In progress
Consumer complaint received 2022-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Theres an account reporting to my report that doesnt belong to me

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 2023-11-19
Company: Paypal Holdings, Inc
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX, I am a good customer of PayPal but all of a sudden PayPal has decided to lock me of some features which I can not send money to friends. PayPal asked me for series of documents for verification for them to unblock my account I have provided the requested sensitive documents and PayPal said 1 business day but this is taking weeks and I'm not comfortable with this. 

I want this to be resolved and my account reinstated and PayPal should tender an apology for saying XXXX business day but it's taking weeks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: TRANSWORLD SYSTEMS INC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I NO NOTHING OF THIS DEBT I NO NOTHING OF THIS COMPANY AT ALL THEY SAY I OWE XXXX DOLLARS FOR WHAT PLEASE I DONT HAVE ANY CONTRACT WITH YOU PEOPLE

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 2023-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Someone has an account using my SSN but NOT my name or DOB I have been on the phone with Capital One for over 2 hours now getting thrown around to different departments and trying to figure out what is going on. 

For context, I have never had an account with Capital One before. 

* Sun XX/XX/XXXX - applied for Capital One Venture X * Asked to provide docs ( picture of SSN card and drivers license ) * Approved Monday XX/XX/XXXX * Got online access Friday XX/XX/XXXX * Want to move my Checking and Savings to Capital One so I went to apply through the online portal * At the end of the app it basically said " we need more info, call this number '' * I called the number and was told that there is a credit card account opened since 2021 using my SSN but NOT my DOB or Name * I verified that this account IS NOT on any of my credit reports * The fraud specialist at Capital One still told me to call XXXX XXXX XXXX. I did, and lo and behold they don't see it either so there is nothing they can do * Now I'm back on the phone with Capital One trying to get them to close the other account that is using my SSN How to get this resolved? I'm at a loss getting thrown around from person to person and nobody actually helping me out.

Company response to consumer: In progress