BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-16
Company: Rocket Mortgage, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We purchased a new home on XX/XX/XXXX with Rocket mortgage as the lender. 
We locked our rate with elected points of {$2900.00}. 
Rocket changed the points on this loan to {$6900.00} less than 2 days prior to close, without a valid change of circumstance and without our consent. We objected, but ultimately had to close the loan so as not to risk the earnest money ( {$40000.00} ) we had put toward closing. We've attempted to get Rocket to acknowledge their error and refund the {$3900.00} to us, but they have refused. 
XXXX - XXXX contracted on the home in XX/XX/XXXX and pursued financing with Rocket -We elected points, as reflected on the XXXX dated XXXX in the amount of {$2900.00} -During due diligence, we learned of repairs needed on the home. We amended the purchase contract with the seller such that they would provide a concession of {$20000.00} in-lieu-of holding up closing. This amendment to the contract was shared with Rocket on approx. XXXX and acknowledged as having been received by Rocket on XXXX ( see attached email ) - Due diligence ended on XXXX and {$40000.00} we had pledged in earnest was released- On XXXX, Rocket issued a CD to us still reflecting the points in the amount of {$2900.00} - On XXXX, Rocket, without our consent or knowledge, changed the points charge and issued a new CD, reflecting points totaling {$6900.00} - We objected by phone to them on XXXX, but were forced to closed else would risk losing the {$40000.00} in earnest money - I contacted Rocket after closing, pointing out that they needed to refund the increased points charge as this was not requested by us nor a change authorized by us. 
- Rocket claimed it was necessitated by the concession. However, they had no answer when challenged that they had this information at least 4-5 business days prior to the revised CD, thus, no valid change in circumstances related to the seller concession could be claimed. 
- Rocket continues to deny our request for a valid refund as their change in costs is outside allowable tolerance We request the CFPB assist us in pressing Rocket to make right by us and refund this overcharge

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS XXXX TRANSUNION AND XXXX ARE REPORTING INCORRECT DATA AND ACCOUNTS THAT DO NOT BELONG TO ME AND THERES ALSO ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX 2. XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX 4. XXXX XXXX 5. XX/XX/XXXX XXXX. OF XX/XX/XXXX XXXX 6. XXXX BANK, XXXX XXXX ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE ACCOUNTS FROM THE FOLLOWING CREDITORS I HAVE BEEN DISPUTING THIS MATTER SINCE 2021 AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT

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 2022-06-17
Company: GOLDMAN SACHS BANK USA
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I applied for a Goldman Sachs Apple credit card, but I can't see my card number when I log in to my online account. I called Goldman Sachs customer service and he said that I need an XXXX to see it. I said I don't have an XXXX, I only have XXXX XXXX  computer, can I get a physical credit card, customer service told me to go to a local apple retail store, the clerk would give me a physical credit card, and the next day I went to the apple store, the clerk said he didn't know about it, asked me to go back and call the credit card customer service again, I called the credit card customer service again, they said that I can only apply for a physical card by myself using the XXXX, there is no other way

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 a US Bankruptcy being reported against my Social Security number on my Transunion report. On XXXX XXXX, XXXX I in fact called the Office of the Clerk of the Bankruptcy Court in XXXX, Pennsylvania where TransUnion is stating this information is being reported to them from. 
I was informed at that time that the US Bankruptcy Court for the XXXX District of Pennsylvania Does NOT provide information regarding case filings or dispositions to the credit reporting agencies. Bankruptcies are public records and the credit agencies have 3rd parties collect this information for them. 
After speaking to a customer service speacialist today, XXXX/XXXX/XXXX, XXXX. I in fact was finally admitted the truth that TransUnion does indeed use XXXX XXXX to obtain this information. XXXX XXXX is a " for-profit '' company that sells the information to the credit bureaus, all calls to Transunion are recorded and this call and information can be retrieved by either you, the CFPB, The Attorney Generals Office, or my own personal attorney if need be. The phone call happened between XXXXXXXX XXXX through XXXXXXXX XXXX. This is a serious violation of the FCRA to report false information. By reporting the information on my credit report as getting it from the court itself, when it was actually obtained from an " unnamed '' XXXX XXXX, is easily considered " false information '' on my credit report. 
Furthermore, when I last disputed this with Transunion, they went as so far to send a letter back stating that they did " veryify '' the information with the court! Again, this is a complete and blatant lie. I am very well aware that Transunion uses XXXX ( online solution for complete and accurate reporting ) that automatically checks with XXXX XXXXs. Its very hard for XXXX XXXX to verify my information when I have had a security freeze placed on them since XXXX XXXX, XXXX. 
Lastly, It is very compelling to me, other than the bold lies, why both XXXX and XXXX ( the " mother '' reporting agency ) admitted their ignorance in reporting this false and remove it quickly, please see attachment, XXXX on or around XXXX XXXX, XXXX and the " mother '' credit bureau, XXXX on XXXX XXXX, XXXX yet Transunion wants to repeat its lies even though I have the proof and am willing to go to court over this issue and present a lawsuit.

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 2017-09-11
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
My social security number, birth date and other unique personal information is potentially at risk of being exposed. This is a consequence of the Equifax data breach that was widely reported, XXXX. I went to the FTC online link to see what precautions I should take : I froze my credit files at Equifax, XXXX and XXXX from their online sites, XXXX. 
I went to XXXX, XXXX, to secure copies of my current credit report and was able to obtain these reports from XXXX and XXXX. Equifax was unable to do this electronically directed me back to annualcreditreport site to print out an Annual Credit Report Request Form to mail it to the XXXX XXXX XXXX XXXX in XXXX. I completed the form, XXXX, with my unique personal identifying data and mailed it off certified mail, return receipt. 

Frankly, this is XXXX Equifax but my personal data at risk for exposure. They provided a website to identify those at risk along with a scam offer. That really does nothing more than make them some money, yet providing no long term help for those exposed. The other credit reporting agencies provided reports instantly upon request, but Equifax could n't. Honestly, this is really poor XXXX XXXX XXXX from Equifax. 

Perhaps the CFPB next project should be Equifax?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Per my most recent credit reports ( XX/XX/19 ) LVNV is listed as owner of an alleged account from XXXX XXXX XXXX. Per the reports this account was opened/purchased as of XX/XX/19 with an amount of {$650.00}. I have attempted to dispute this account via the credit bureaus, but to no avail. To date, LVNV has not sent any written correspondence identifying themselves as the owners of the alleged account, provided written notification that they are attempting to collect a debt, nor send any correspondence advising that I could dispute the validity of the account ; it simply showed up on my credit report one day. 

A third party ( XXXX XXXX  ) is now sending me email correspondence on behalf of LVNV stating they are the owner 's of the alleged account. I am unsure how they received my email address, but I have received emails from them on the following days : XX/XX/XXXX, XX/XX/XXXX ( two emails-the second appeared to have been triggered by my clicking dispute ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and today, XX/XX/XXXX. These emails appear to be automatic and are coming from a gentleman by the name of " XXXX XXXX. '' I take issue with an email being sent " blindly '' to an email address with my personal information available for ANYONE to see, as well as a link that provides more info about said debit. I have not completed the dispute process through True Accord as I am leery since I have never received notification from LVNV and I do not want to give any of my personal information to any unknown parties ; and True Accord is now offering a settlement on the alleged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Went to apply at car dealership, was told itll only be from XXXX XXXX, and pulled my credit off multiple dealers without my consent.

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 2022-01-16
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX XXXX Last reported XX/XX/XXXX {$10000.00} Open balance XXXX XXXX  Original creditoXXXX XXXX OpenedXX/XX/2021 ( 2 mos ) Account statusOpen Type -- ResponsibilityJoint RemarksConsumer disputes this account information Original creditor nameXXXX XXXX  This is another account on my credit file that is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: GA
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 take issue with the terms and conditions included as part of Equifax 's recent disclosure to consumers their personal information was compromised/hacked - consumers merely by checking with Equifax on Equifax 's website to see if they are affected are forced to agree to not join class action lawsuits or otherwise take legal action against Equifax. 

Further, the data compromise was in XX/XX/XXXX and the information was just disclosed to consumers. When going to www.equifaxsecurity2017.com and entering my name and social security number I am simply told to come back to the website in a week 's time. 

This is unacceptable - there needs to be stronger regulation in data security for credit reporting agencies and better consumer protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: SYNCHRONY FINANCIAL
State: NC
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 customer service

Complaint:
XXXX XXXX, Issurer of Walmart Mastercard, continually shifts log in methods rendering it difficult to monitor the account. THIS IS A SECOND COMPLAINT ABOUT THE SAME ISSUE. Their online service will now not accept my passcode. Their online service offers two ways to reset passcode, by text or phone/voicemail. Their system would not accept by phone/voicemail, offering text only. I DO NOT TEXT. I HAVE ONLY A BASIC PHONE. I 'm going on XXXX years old. very few elderly text, so they are discriminating against the elderly. Then, in a telecom, XXXX manually sent me a 4 digit code to put in so that I could reset my passcode since XXXX 's system refused to accept my original passcode. That code was was repeated electronically over and over until I hung up, which was XXXX. Synchrony 's system refused to accept the code given, XXXX. I can not view my recent activity and I suspect XXXX and/or Walmart are hiding something or discriminating against me to the extent that I will just quit and pay whatever they say I owe. THAT 'S NOT GOING TO HAPPEN. AT THIS JUNCTURE, IT APPEARS TO ME THAT THEY ARE " CUTTING OFF THEIR NOSE TO SPITE THEIR FACE ''. So they want to play games, they came to the right place me being from XXXX, NY, and a staunch supporter of XXXX XXXX, hopefully one of our next Presidents. I am going to pay off the paltry balance and put a " FREEZE '' on the card. I have other sources to utilize so Synchrony wo n't even get the XXXX cent or so swipe fee. Walmart is a criminal enterprise anyway, having been convicted of criminal offenses, stated upon information and belief. Myself, no criminal record, no traffic record, no nothing.

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 2022-08-15
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:
Went to apply at car dealership, was told itll only be from XXXX XXXX, and pulled my credit off multiple dealers without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: PNC Bank N.A.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2022, due to someone hacking my SS account my XXXX benefits were deposited into a prepaid card account with PNC Bank. After numerous phone calls by SSA and myself bank refuses to help. Bank should have never accepted funds and should return them to SSA so that they can be reissued.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Experian Information Solutions Inc.
State: CA
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:
've been a victim of identity theft. The inquiries listed should be removed for these are fraudulent and inaccurate. XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2022-06-17
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
( Important ) InComm Internal Case ID : XXXX I purchased this card with a total balance of XXXX United States Dollars. There were several transactions taking place wiping out the entire balance. I reported these unauthorised transactions to the card issuer on XX/XX/2022 by phone, and the issuer gave me a case ID of XXXX, yet did not further investigate my report. On XX/XX/2022, I contacted the card issuer under the impression that they were investigating the matter, the card issuer told me that they had wrong personal information about me ( first name, last name ), and that the case was automatically closed because of the artificial error they had. The customer representative was personally unwilling to go through all the unauthorised transaction on file, and they declined to provide me a copy of the dispute files.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: Experian Information Solutions Inc.
State: PA
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 recently look at my credit report and seen numerous inaccurate and inconsistent accounts reporting to my credit report that i did not consent to. According to the fcra everything is suppose to report accurate and my accounts are not. I have been sending letters to the creditors and the credit bureaus since XX/XX/2021 up until today ive sent letttes certified mail as well and still have yet fixed my problem. According to 15 USC 1681b - Permissible purposes of consumer reports, any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates. This is also a violation of 15 USC 1681 ( a ) ( 4 ) Infringed Upon a Consumers Right to Privacy.

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 2017-09-11
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
As you know, Equifax had a major data breach impacting up to 143M consumers. All information needed to ruin someone 's life was stolen. As soon as I learned about this, I took steps to protect myself though Equifax did not tell the public until months after the breach. I went to each of the three major agencies and placed a freeze on my credit and on my husbands ( with his permission ). I had to pay {$7.00} for each freeze resulting in a cost of {$45.00} ( two charges at each bureau ). I do n't feel I should have to pay this since I only did it because of the less than acceptable security Equifax had on their system. Not only that, but I will have to pay each time I need to apply for credit to have the freeze temporarily removed. I did not address this with Equifax because they have no way for a consumer to contact them except by mail. If they do have a way to contact them other than mail, it was not easy to find on their website. I would have to write letters, which is yet another inconvenience for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
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 XXXX  Account number XXXX XXXX XXXX and Account number XXXX XXXX has violated my rights 15 U.S.C section 602A. States I have right to privacy. 15.U.S.C.A section 2 : it also states a consumer reporting agency can not furnish a without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XX/XX/XXXX Account number XXXX XXXX XXXX and Account number XXXX XXXX has violated my rights 15 U.S.C section 602A. States I have right to privacy. 15.U.S.C.A section 2 : it also states a consumer reporting agency can not furnish a 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