BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-23
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received alerts from XX/XX/XXXX and XXXX that Southwest Credit Systems opened an account and reported to the 3 bureaus fraudulent information. They remarked my credit file stating that an account for 11-XXXX was set up as new account on XX/XX/XXXX. This issue was already disputed back in XXXX and XXXX through certified mail and was removed from my report because of fraud. This debt does not belong to me. This creditor Southwest Credit Systems has opened a new account and added {$1.00} to the previous account reported. The item that was originally removed in XXXX was under XXXX XXXX for {$400.00} and was removed. Southwest Credit Systems is reporting {$400.00} to all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Rocket Mortgage, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was approached, actually hounded, by rocket mortgage to refinance with the promise of no paperwork and lowering my mortgage payment by $ XXXX. After several weeks and massive documentation they could only lower my payment by $ XXXX and my mortgage would increase from XXXX to XXXX. This seemed almost like churning for a commission. I had a conversation. With a supervisor who wanted to know why I had not refinanced. I explained how I had been given false information and my mortgage would not decrease as promised and I had jumped thru hoops including being asked for employment records from XXXX yrs previous. Even after providing tax returns from my CPA. 

I did not hear again until I paid my next mortgage and my escrow had increased $ XXXX. No tax increase was noted in XXXX nor was there an insurance increase notification. $ XXXX the following year? 

I asked company and they said there was deficient escrow and the increase was for the yr.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: DISCOVER BANK
State: GA
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:
Discover Card is continuing to allow XXXX XXXX XXXX  to continue to charge XXXX per month to my card DESPITE the fact that they have been notified of this being a fraudulent charge. This latest charge occured on XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: LA
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 XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX, 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 2022-01-14
Company: Jim Bottin Enterprises, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX XXXX XXXX 4 times a day automated and human. Claims I have a debt I have never signed up for. Sent to collections agency. Told them it was fraudulent and they refuse to stop calling or remove my fraudulent debts from their system. As of now I have over XXXX voicemails in process of me deleting and have no account info to delete fraudulent accounts!!!! Its annoying and the lady on the phone says I do owe and HAVE TO PAY OR THEY WILL SEND TO COLLECTIONS!!! Very demanding and intimidating and most of all without a doubt harassing!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
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:
In accordance with the Fair Credit Reporting Act, THE XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My husband and I have been negatively impacted significantly by XXXX XXXX erroneous reports. They have reported three times that I was late on my payments, or missed payments with them. This is absolutely false. If anything, we 've made extra payments more than required to avoid any issues. I have never been late once by a day, nor have I ever missed a payment. I 've called XXXX to dispute these reports, however they stated that they do n't discuss these issues with their customers.

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 2022-06-15
Company: JPMORGAN CHASE & CO.
State: CO
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Numerous items purchased via the XXXX XXXX XXXX for the XXXX game XXXX XXXX are no longer accessible to me, and I therefore require a refund for all items. I was unable to process refunds through XXXX 's " Report a Problem '' interface, and XXXX XXXX XXXX were also unable to initiate refunds for me, and directed me to pursue chargebacks through my credit card servicers. However, it is not possible to initiate disputes for purchases over 30 days old using Chase 's website, and there does not seem to be a mechanism to do so over the phone. This matter is also time sensitive : until all chargebacks have been processed, my XXXX XXXX will be disabled, and I do not have access to News, Cloud storage, Photos, my Chase App ( which requires updates ), recipes, any music, etc. If I could have initiated this dispute with Chase directly, I would have done so. 

I have also included the list of the charges in dispute in a separate attachment, and most importantly, a letter containing a detailed description of the violation of Terms of Service committed by the App in question and merchant XXXX. 

The charges in question are as follows, listed in " XXXXXXXX XXXX XXXXXXXX '' format in reverse chronological order : XXXX, {$7.00} ; XXXX, {$30.00} ; XXXX, {$52.00} ; XXXX, {$100.00} ; XXXX, {$14.00} ; XXXX, {$12.00} ; XXXX, {$10.00} ; XXXX, {$5.00} ; XXXX, {$2.00} ; XXXX, {$52.00} ; XXXX, {$52.00} ; XXXX, {$83.00} ; XXXX, {$100.00} ; XXXX, {$20.00} ; XXXX, {$20.00} ( posted XX/XX/30 ) ; XXXX, {$52.00} ; XXXX, {$52.00} ; XXXX, {$52.00} ; XXXX, {$5.00}, all of which correspond to In-App purchases in the game XXXX XXXX made through XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-15
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: Account status incorrect

Complaint:
Experian is reposting that I have an open account that has already been paid in full as of XX/XX/XXXX. We have reached out to the credit bank, XXXX XXXX XXXX, about this issue. We are unsure if XXXX is the one that is wrongly reporting that there is still a balance, or if Experian is not updating account status. I have filed a dispute on XX/XX/XXXX, to correct the status of the so called unpaid mortgage, but claimed that the information was up to date on XX/XX/XXXX. We have also called XXXX and they have sent us documents stating that the loan was paid in full, which we have submitted to Experian as supporting documents to fight the dispute response on XX/XX/XXXX. This false report is severely affecting my credit score and the ability to obtain other loans.

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 2017-09-12
Company: EQUIFAX, INC.
State: OH
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:
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc.  resulting in a data breach in XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put me and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 

I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breach of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: AMA Advisors, LLC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sold my home and the mortgage was paid off on XXXX/XXXX/17. At the time the mortgage was paid off, I had an escrow balance of {$8400.00}. I sent a letter to Homebridge Financial requesting the escrow balance be refunded and I provided a current mailing address. It 's now been 20 days, and I have not had my escrow balance refunded. Is there a limit to the time frame the bank can withhold my money?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: Risecredit, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
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 been running behind on my credit card due to a loss of income. End of XXXX my credit report reflected me 60 days late which was correct. I called the collection company handling their credit cards and they set me up on payments of {$240.00} a month and much lower reduced interest. I was told if I made my payment by XXXX my credit report would not reflect any further past due than 60 days. I did pay {$250.00} on XXXX. I received an alert on XXXX I had been reported 90 days past due. I called in to complain to Walmart and they said they didn't have access to credit reporting but would put in investigation to correct. Nothing ever happened. No phone call, no correction, nothing. On XXXX I paid another {$250.00} and on XXXX I again received alert Walmart is  now reporting me 120 days past due!!!! I was told this would not happen. What is the point of being on a payment plan if I keep getting further past due?? I called in and their employees are clueless. I have spoken to my bank and told I can dispute both of my payments and get my {$500.00} back if not corrected. I will give this until XX/XX/20 or I will have to get my money back from the bank.

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 2018-11-02
Company: Continental Finance Company, LLC
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:
There was several attempts made to open accounts with different lenders. All of those attempts were fraudulent as i did not apply for them however now all of those are showing up as hard inquiries on my credit report. I have already filed a Fraud Alert with XXXX and they mentioned that they also send the alert to the other credit companies like XXXX. I also called XXXX  to file a dispute with them and the file # is XXXX. 
My goal is to get all of the inquiries removed from my credit score as i did not apply for any of these accounts. These inquiries have already hurt my credit score and i would like to make sure they are removed since it was not me who applied. 

XXXX  : 1. XXXX  - XX/XX/18 2. XXXX XXXX. - XX/XX/18 3. XXXX XXXX - XX/XX/18 4. XXXX XXXX - XX/XX/18 XXXX : 1. XXXX XXXX XXXX - XX/XX/18 2. XXXX XXXX XXXX. - XX/XX/18 3. XXXX XXXX XXXX XXXX - XX/XX/18 4. XXXX XXXX - XX/XX/18

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: KY
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:
Equifax failed to properly secure my information. An unknown amount of my data may have been leaked to an unknown third party. The suggested solution was that equifax provide one year credit monitoring through one of the subsidiaries. That is not a proper solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, PORTFOLIO failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
PORTFOLIO Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
PORTFOLIO Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge. 
On the date XX/XX/2022 XXXXXXXX XXXX agent, d/b/a XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-02
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/2018, I called Experian to ask why an old paid-after- charge-off account was still on my credit report given it was time-barred under XXXX  XXXX. A representative told me that the relevant account would not be removed until XX/XX/2018 based on the way that Experian interprets the relevant statute. 

I am writing this on XX/XX/2018 ( and past regular business hours at Experian 's main office ). Although several business days have passed after Experian 's calculated age-off date of XX/XX/2018, the relevant account remains on my Experian credit report, ordered under an hour ago. 

I had hoped to solve this problem with a phone call rather than go through the dispute/reinvestigation process because that can take another 30 days, and no " investigation '' is needed -- an Experian employee need simply look at the relevant date on the account. Unfortunately, Experian has a practice of screening its callers in order to prevent people who have previously complained about state and/or federal law violations from being connected with a customer service representative.

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 2022-06-15
Company: American Financial Network Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Was conditionally approved in XXXX of XXXX  for {$650000.00}. Started house shopping and signed a contract on a house with XXXX XXXX. Put down a XXXX XXXX at the end of XX/XX/2022. There was delays in construction so we could not close until end closing of XXXX. The underwriter that had worked on my file was fired on the XXXX of XXXX, my file was passed through several different underwriters until 2 weeks later they told me I was disqualified from my conditional offer with information available to them since XXXX of XXXX, I provided them with all of my income, employment information and documentation. Their negligence, and intentional deceit has lead to me losing thousands of dollars, becoming temporarily homeless and unable to purchase my home. 


The whole point of conditional approval was to have the peace of mind that the financing was evaluated and accurate information to shop with. 

At most i were anticipating a probable delay due to the build. Had you been notified that the condintional approval was an issue, you could have looked at other options or avoided making an offer all togerher. No one informed you of an issue with the conditional approval until too much time had passed to react effectively. 

The loan Officer helping originate was working off the impression the application was conditionally approved as well. However the processing side prolonged the review almost 2 weeks full of request for documents that mostly had been sent. All after the original processor was terminated for having creating issues with other files.

When asking for feedback and review status you and the loan officer were delayed whole business days in between submitting documentation for review and response. Leading him to work on satisfying other conditions and losing precious time you and XXXX XXXX focused on other potential options.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation