BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-24
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX Rocket Mortgage/Quicken Loans provided a first mortgage to a consumer. Rocket Mortgage sent {$58000.00} to pay off the previous consumer 's first mortgage so that their mortgage would be in first place. Quicken collected funds fromthe consumer for a Lender 's Title Insurance Policy. In XX/XX/XXXX, the consumer is set to close on the sale of her home only to find that Quicken Mortgage failed to secure a Satisfaction of Mortgage on that prior first mortgage. So the consumer has been paying on this new Quicken/Rocket Mortgage and her funds have been used to pay off that prior first mortgage, but that mortgage has never been satisfied. I have spent days with email after email from client specialists at both Rocket and their title insurance underwriter, but they incredibly say that the consumer must obtain the release of the mortgage. Rocket has been entirely unwilling to help, and the title insurance company has been insulting and confrontational, refusing to provide any help whatsoever. There is clearly a problem with an out-of-state mortgage lender originating and closing loans, collecting insurance premiums and then failing to fulfill the obligations of that title insurance policy. 

Below is email from title company and contact info for their title insuror : Rocket has a lender policy to protect their lien position and they can file a claim. 
No title company chases releases except for in LA and MA if it is paid in their transaction.Rocket legal will address if a claim is needed on Rockets behalf. 
Thank you, XXXX XXXX - Executive Client Resolution Specialist XXXX XXXX XXXX XXXX XXXX | XXXX, MI XXXX ( XXXX ) XXXX ext. XXXX toll free XXXX XXXX Rocket Mortgage XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: EQUIFAX, 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:
Previous Successful Complaint IDs : XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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. 

Accounts : XXXX XXXX XXXX XXXX XXXX  ( Late Payments XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX Reports To Equifax, XXXX XXXX Inaccurately & Inconsistent ) XXXX - {$2100.00} ( Reports To Equifax, XXXX XXXX Inaccurately & Inconsistent ) XXXX XXXX - {$3500.00} ( Reports To Equifax, XXXX, XXXX - Inaccurately & Inconsistent ) Portfolio Recovery - {$460.00} ( Reports To Equifax, XXXX, XXXX XXXX Inaccurately & Inconsistent ) 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 explanation
Consumer complaint received 2022-06-09
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:
XXXX Inquired on XX/XX/2020 I Tried To Get A Apartment From This Guys

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 2022-09-30
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
An account at PenFed Credit Union was opened in my name. I learned of this by letter from PenFed dated XX/XX/2022.

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 2022-12-31
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXXDate of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXXate of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXate of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXXDate of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXXXXXX XXXXDate of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
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 credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2022-09-30
Company: ACIMA CREDIT, LLC
State: IL
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 tried multiple times to fix an inaccurate account on my report with experian. Acima credit shows an installment loan for $ XXXX which I never agreed to- did not buy anything for that amount. I have asked several times for XXXX and Acima to provide the contract showing my signature engaging in a contractual agreement for any product or service in the amount shown on my report. Its been over a year and they have not produced any such paperwork just keep saying its verified. I am requesting they either provide the contract showing my signature or delete the account from my report per the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: Nelnet, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Firstmark Services is reporting negative information in a form of late payments to the consumer reporting agencies ( XXXX, XXXX, XXXX ) in reference to me as the consumer. Pursuant to 15 USC 1681s-2 ( a ) ( 7 ) ( E ), no federal law under the Fair Credit Reporting Act requires a financial institution to furnish negative information about a consumer to a consumer reporting agency. As a financial institution, as defined under the Gramm Leach Bliley Act, Firstmark Services failed to perform their obligation to respect and protect my privacy. Firstmark Services failed to provide me an adequate opt out notice and Ive NEVER granted Firstmark Services any lawful consent to disclose my nonpublic personal information to any nonaffiliated third party pursuant to 12 CFR 1016.7. By willfully reporting negative information to the consumer reporting agencies WITHOUT MY CONSENT constitutes as a form of punishment to defame my character. Firstmark Services actions are identified under 18 USC 894 for knowingly participating in any way, or conspiring to do so, by using extortionate means to punish me as the consumer. Having expressed these federal violations Firstmark Services breaking under the Fair Credit Reporting Act, Truth in Lending Act and Gramm Leach Bliley Act, I am demanding Firstmark Services to CEASE AND DESIST these illegal actions. Pursuant to 12 CFR 1016.7 ( g ) Firstmark Services is required to comply with this opt out notice upon receipt and comply with the follow

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have finished the purchase requirement of American Express XXXX credit card. But I did not get the welcome offer for over several month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have contacted each of the credit bureaus to investigate the following items that negatively affect me. Not only have each of the accounts violated my right to privacy promised under 15 USC 1681 Section 602 A but they have also been furnished without my written consent or instruction which violates Section 2 of the aforementioned law. 
The accounts are : XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX To date, the credit bureaus have not responded within the 5 business days as mandated by 15 U.S. Code 1681i Section 2 ( A ) : " Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ''

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 2022-12-31
Company: EQUIFAX, INC.
State: NY
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this matter can be updated as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
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: Was not notified of investigation status or results

Complaint:
I have contacted each of the credit bureaus to investigate the following items that negatively affect me. Not only have each of the accounts violated my right to privacy promised under 15 USC 1681 Section 602 A but they have also been furnished without my written consent or instruction which violates Section 2 of the aforementioned law. 
The accounts are : XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX To date, the credit bureaus have not responded within the 5 business days as mandated by 15 U.S. Code 1681i Section 2 ( A ) : " Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Respondent : Nationstar Mortgage d/b/a Mr. Cooper XXXX Texas XXXX Petition for equitable relief, equity will not suffer a wrong with out a remedy, and I have been wronged. 

On XX/XX/XXXX I sent a conditional offer to respondent 's alleged debt in the amount of {$4000.00} upon proof of validation/verification of the alleged debt. On XX/XX/XXXX I sent an offer along with 2 negotiable instruments with very specific instructions as an attempt to offset the alleged debt. My negotiable instruments have not been applied to the alleged debt nor have they been returned. On XX/XX/XXXX I sent another conditional acceptance of the respondent 's offer upon receipt of specific documentation validating the debt. On XX/XX/XXXX I received an offer from respondent for payment refuting my allegations of not being provided information to submit a debt validation request. However, the XXXX XXXXnformation that I requested was not provided on any statement I received. XXXX sent another offer on XX/XX/XXXX refuting my XX/XX/XXXX offer without returning my negotiable instruments acknowledging that only a check for {$1300.00} had been applied to my account. On XX/XX/XXXX I sent another conditional offer upon proof of claim that a valid debt exists. On XX/XX/XXXX a final notarized QWR offer was sent to respondent. 

The respondent has yet to provide said XXXX XXXX XXXX XXXX XXXX XXXX ) that can easily prove that an actual loan was given from " assumed '' lender to " alleged '' borrower. While a signed note is legally valid and enforceable against the signatory and the unsigned party can't be legally held accountable to the terms of the contract, what is so difficult about showing the accounting and proving the actual debt? Unless the accounting will prove there is no actual loan because there was no actual currency given? Unless my original note was securitized without my knowledge, indorsed by the bank and used as a deposit on their accounting ledger to fund my own " loan ''? And thus, I signed the note without full discloser under fraud? Further a unilateral contract is at best an imperfect gift, and it was never my intention to give my property to the respondent and demand its immediate return. 

Deeds of trust/mortgages conveying an interest in property are security instruments, they are not liens. When the lien is satisfied the securities, or if converted ( sold to a third party ), their value are to be returned to the mortgagor, along with THEIR GAIN. 

The lender ( s ) never signed the original note because they know that whom ever signed it would be admitting to lending fraud. If my suspensions are incorrect then validate the debt by show the XXXX and this matter will be closed. What are they hiding?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
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:
n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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

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 2022-09-30
Company: BARCLAYS BANK DELAWARE
State: PA
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:
Barclay XXXX XXXX is charging for purchases that i did not make or agree too. They have also contacted the Credit Reporting Companies and Lowered my Credit Rating, which is very Injurious to my Financial Ability

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 2022-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2022 a wire transfer was made to my account in the sum of {$300000.00}. This came from my investment capital and profits I made with A legit company. The very next day I made a withdraw of XXXX and a few hours later Bank of America froze my account. They stated they were investigating the wire, and it will take up to XXXX days. The bank sent me a letter stating they made a decision to close my account and if my account has a balance after its closed theyll send a check payable to the name on the account. I never received anything. Ive made over 10 attempts to get my funds in person with the bank and over 20 phone calls. Nothing is being done. Theyre requesting the sender to file a claim to get the funds back but they are not releasing it to me. First they told me do I have any proof that the funds were for me. I come to the banks with documents they turn me away. They even claimed that it was a claim made that the funds werent meant for me which was not true at all. All this time no claim has been made against the wire they had more than enough time to investigate and hasnt came up with any fraud, they just not trying to give me my funds. This is ridiculous, Im far behind on my bills and payments do to this. Its just discrimination, they have no reason to not release my funds that was in my account that was transferred through a wire to me. With all this time they had to investigate and they come up with nothing and they still arent going to release my funds after my account been closed since XXXX XXXX today is XXXX XXXX. That is ridiculous. I need help this has to be illegal what they are doing 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 explanation
Consumer complaint received 2022-08-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX and XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX and XXXX XXXX XXXX XXXXave 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 response to consumer: Closed with explanation