BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-23
Company: EQUIFAX, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
i have no knowledge of this account, i started receiving calls and at first i thought it was a scam, ,until i continue to receive these calls and now its on my credit report. it says XXXX XXXX XXXX,, open on XXXX XXXX.i got fraud protection on my accounts well at least i thought i did..Amount {$640.00} i also have inquiries on account that wasnt acknowledge XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXX/XX/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 XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  is also on my credit i have tried and tried to dispute this account, but no luck 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 2023-02-11
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:
After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report does not include any report containing information solely as to transactions or experience between the consume and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. XXXX, Equifax and XXXX is reporting late payments on XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  and XXXX XXXXXXXX XXXX and/ or XXXXXXXX is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave XXXX, Equifax or XXXX written instructions to report anything to my consumer report, let alone these late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to XXXX violated my consumer rights by allowing these late payments/utilization to report to my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 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 explanation
Consumer complaint received 2023-05-18
Company: Rocket Mortgage, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I got an email from Rocket Mortgage that my mortgage servicing is being transferred. I called to see if there is anything I can do to keep Rocket Mortgage. I chose them for my business for a reason. Rocket Mortgage would do nothing. 

I find this practice to be very troubling. It's like I'm not an actual person. Companies can do whatever they'd like to make more money off of us. I don't understand how our government allows this practice. I had no choice of where my mortgage was sent to for servicing. 

I have paid every payment on time. I feel like if I had made some late payments, my account would have been " randomly chosen '' to be sold to a different company, because it would be an even more profitable account. 

This is like paying for a 5 star roofing company to install a new roof, but after contract is signed and the project is all ready to go, they sold the work to a 2 star company and you have no say now in who completes the roofing. You're getting your roof still, right? 

Please help the consumer on this. This isn't right. It's frustrating and can happen at no end, but we can't choose to transfer our mortgage elsewhere without refinancing and currently right now, that means paying more.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
Medical debt according to legal definition is debt that arose from the receipt of XXXX XXXX products or devices. 
After facing a life-threatening illness I was forced to take on medical debt from the receipt of XXXX XXXX and therefore it qualifies as medical debt.

Medical debt is not allowed to be reported until its more than a year past due however XXXX continues to report medical debt that is less than one year past due. They have been informed of this but dont seem concerned about obeying the law. The problem with them verifying with the creditors is they dont get an accurate answer and only a scripted answer from a customer care agent lasting basic legal knowledge This is pertaining to XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX, Capitol One and XXXX XXXX  I have filed numerous XXXX XXXX XXXX complaints against XXXX but they dont take medical debt law seriously. All they do is read scripted answers and change the topic.. I will request that they refrain from scripted answers and only discuss the removal of the medical debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, 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 to the FCRA 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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

15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

Account Holder XXXX XXXX XXXX  Original Creditor Account # XXXX Date Opened XX/XX/XXXX Account Holder XXXX Original Creditor Account XXXX XXXX Date Opened XXXX XXXX XXXX XXXX  Original Creditor Account # XXXX Date Opened XX/XX/XXXX Account Holder XXXX XXXX XXXX  Original Creditor Account # XXXX Date Opened XX/XX/XXXX Account Holder XXXX XXXX  Original Creditor Account # XXXX Date Opened XXXX XXXX This is considered willfull damage according to 15 U.S. Code 2072 - Suits for damages a ) Persons injured ; costs ; amount in controversy Any person who shall sustain injury by reason of any knowing ( including willful ) violation of a consumer product safety rule, or any other rule or order issued by the Commission may sue any person who knowingly ( including willfully )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Experian Information Solutions Inc.
State: GA
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 account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries 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 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 or 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 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I did not authorize XXXX XXXX XXXX to put a loan on my credit report and XXXX XXXX  XXXX  I did not sign any documents by mail or received any mail sign by me with my actual id social and written signature. ( 1 ) account : XXXX XXXX  XXXX  account number : XXXX ( 2 ) account : XXXX XXXX XXXX account number : XXXX Please block this information from my credit report and remove it pursuant of section 605b of the fair credit reporting act which require you to block the fraudulent information on my credit report resulting from identity theft with four business days and to promptly notify the furnisher ( s ) of that information

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 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it 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 2023-05-18
Company: Carvana Group, LLC
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Purchased a vehicle on XXXX XXXX and realized that the car does not have automatic locks and manual roll down windows. On XXXX XXXX XXXX XXXX XXXX, I cancelled the transaction due to this because of safety concerns for myself and my dogs that are frequently in the car with me. I never signed the contact for the vehicle. I contacted carvana about the {$1900.00} shipping fee to see if this could be reimbursed because the car had not shipped yet and told them my concerns about not having automatic locks. They refused to refund the shipping fee because it was over XXXX hours ( it was approx. XXXX hours when I cancelled the purchase ). 

Its difficult to even get in touch with anyone from Carvana ( only received a call after submitting a XXXX  complaint ) - they will only text you generic responses and are unable to speak with a manager to discuss. I am requesting a full refund for the shipping fee. I feel completely scammed and cant believe they are not refunding for a car that never shipped and went immediately back online for sale when the purchase was cancelled. 

Contacted XXXX  by Carvana after requesting a call back on XXXX and missed the call. Was unable to call them back directly on that number. 

Contacted by XXXX XXXX XXXX, ( after submitting a XXXX XXXX XXXX complaint ) via phone ( on a phone number that is not accessible to call the company - XXXX ), and was informed that the shipping charge would not be refunded even though the vehicle did not ship and immediately went back online for sale. He became extremely nasty on the phone ( to the point where I was visibly upset ), and informed me that if I pursued anything against Carvana that it would be a " waste of my time. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
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:
Ive recently went over my credit report and I noticed that there are late payments reporting on Experian, XXXX, & XXXX on XXXX XXXX XXXX XXXX Acct # XXXX. Its in clear violation for reporting. According to 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 any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. They are in clear 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 explanation
Consumer complaint received 2023-02-17
Company: Chime Financial Inc
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Purse was stolen at a function I attended as a speaker on XXXX XXXXPurse contained 2 phones my wallet ( credit and debit cards, social security card ), some cash and passport. I was one of the last people to leave the event due to cleaning and closing up and only thing I had left were my car keys which on my person. I was not able to purchase another phone right away but did call Chime to file a dispute. There had been cash app money transfers from another account and transactions with Chime as well as a money transfer via XXXX to a party I was not aware of. I tried contacting that person to let them know the device was stolen and the person who sent the money was not me but had no success getting the money sent back. On the XXXX 3 days after filing dispute with Chime on the XXXX of XXXX I got a email stating one of my claims were denied. I contacted Chime to see why and was told they were not able to tell me but would send the denial reason. I also learned on that phone call that the rep I spoke to to file the dispute did so with the incorrect information even though I had given him all the information I had and what happened from beginning to end. I asked to speak to a supervisor and to also rebuttal so they can do a proper investigation. Supervisor on the phone told me that they usually will deny if the merchant was used previously which had nothing to do with this charge being fraudulent. I received a copy of the denial letter which has some discrepancies according to regulation E as well. To this date Chime still has not put in the rebuttal and I was told I am no longer able to but the first rebuttal was never done to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
i sold an XXXX to a buyer who tried to dispute the charges so they limited my account because i was a new user. and i ended up having to fully verify my account with my id and take a selfie i was also told to verify my bank account which i did and i still had to wait 21 days to get my money which i did and my account was fully restored i have all the proof. the buyer filed a dispute which i won in my favor after almost 2 months of waiting on my money. when i finally wont the dispute and tried withdrawing my money paypal would not let me i kept getting error messages which was odd because paypal told me i shouldnt have any problems getting my money since my account was fully verified and my bank account had been verified as well. and out of no where the first limited my account saying that " they need more information to make sure its me '' and " that they do this to protect their users. which is completely XXXX XXXX they literally unrestricted my account a month prior because i had successfully uploaded my id and took a selfie with my id as well as uploading a utility bill. also ive been messaging them for almost two months because of the dispute i was going through now all of a sudden when my money is released they dont know who i am and need to verify? thats insane! after i see this i go to the messege center and the agent tells me to send my id and i did. keep in mind its literally THE SAME EXACT ID I USED TO VERIFY MY ACCOUNT THE FIRST TIME. paypal messages be back saying my ID is fake and that they will no longer do business with me and that they are holding the money for 180 days. when i asked how is my ID fake when its the same one i used to verify my account the first time they did not even reply they simply took the " message paypal '' option off of my account and basically said a XXXX XXXX XXXX to my face!! this is going on the 3rd month that ive been trying to get my money can you guys PLEASE help me im begging you this cant be legal what they are doing!!

Company response to consumer: Closed with explanation