BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-29
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX hit XX/XX/XXXX, I applied for forbearance on my mortgage and it got approved for a year. I became unemployed due to the pandemic. A year went by and I applied for an extension of 3 months which was approved. After my first extension, XXXX, the lender lost communication with me, didnt tell me that I have to fill out another loss mitigation packet to receive additional time. Im still unemployed at this time with no hope in sight for income. Finally get another job XX/XX/XXXX and making regular payments again XXXX XXXX XXXX. Come XXXX I was informed that my mortgage had been transferred to the foreclosure department of XXXX. I had found out also by calling in to make a monthly payment too, its not like XXXX had reached out to inform me of all this. I asked how come and they said that the deferred payments of the forebearance agreements werent paid on time. I said that if your communication was better between us this wouldnt have happened because I didnt know the arrangement was to pay in full the deferred payments and by the way the property is for sale and set to close XX/XX/XXXX. A foreclosure attorney was hired by XXXX XX/XX/XXXX and now is showing on my credit report as foreclosured upon even though, I paid off all loans and attorney fees. I DONT feel as if I deserve the derogatory remark on my credit report simply because I lost my job and livelihood from the Covid pandemic and did everything I could to get my life back to normal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Experian Information Solutions Inc.
State: FL
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 the numerous attempts I made to inform the bureaus of the fraudulent accounts, unauthorized inquiries, and incorrect personal information I have in my credit report, they still keep reporting them. This is an act of neglecting my request for the removal of the items below without supporting documents submitted or a form of response. Their behavior has been pulling my scores down which is now my reason for sending this complaint directly to CFPB. Here are the items that I am concerned of :

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 2017-11-21
Company: AutoMoney, Inc.
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX and XXXX have both contacted four separate family members concerning my debt after being told in writing and in person they are not to contact these individuals. XXXX left voicemails with two separate individuals stating she was calling to obtain a reference for me and when they returned the calls she them tells both individuals she is trying to locate me. I called Auto Money on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and left messages and received no follow up calls again stating that they are not to contact these individuals. When I finally spoke with XXXX her response was " my bad the computer has n't been updated. '' I personally updated all information with them in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
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 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 2023-07-18
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 react.The list of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 U.S.C 1681 XXXX  # XXXX has violated my rights 15 U.S.C 1681 Section 602A States I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 Also states that 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. Ant other adverse items of information other than records of convictions of crimes which antidotes the report by more than seven years.

15 U.S.C 1681=2 ( ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consumer reporting agency if the the person knows or has reasonable cause of 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 2022-05-23
Company: Credit Plus 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: Credit inquiries on your report that you don't recognize

Complaint:
Saw hard inquiries on my credit report that need to be removed. 

XXXX XX/XX/2022 Credit Plus XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I check my credit report and saw these 2 accounts being reported as late payments even if I always pay on time. I wanted these accounts to be investigated and delete the Late payment notice since I was not late and this is a violation of my rights. Below are the accounts appearing : XXXX XXXX - XXXXXXXX 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 2023-06-29
Company: Dave Operating, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I received a text from Dave Banking giving me a verification code, but I never requested this code. Went to my Dave app and seen that someone requested an extra cash advance on XX/XX/XXXX, I never requested this advance. I emailed Dave numerous times to let them know there was fraud on my account, but always get the same response telling me how to collect the advance. Have tried calling them every day, but you can never talk to anyone. They will take the money out of my checking account when I get paid on the XXXX. I do not want to pay back XXXX that I never received. Tried to close my account, but it wont let me because I have an open advance. This is by far one of the worst companies I have ever dealt with for customer service!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
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: Credit inquiries on your report that you don't recognize

Complaint:
Saw hard inquiries on my credit report that need to be removed. 

XXXX XX/XX/2022 XXXX XXXX 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 explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX Balance : {$570.00} XXXX XXXX Balance : {$570.00} XXXX XXXX XXXXXXXX Balance : {$260.00} XXXX XXXX XXXXXXXX Balance : {$260.00} XXXX XXXX : {$570.00} XXXX XXXX XXXXXXXX Balance : {$0.00}

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 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am very disturbed to find public records on my credit report without any apparent reason, and I can not tolerate this.

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 2021-05-24
Company: ERC
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:
Enhanced Recovery is reporting an invalid collection they apparently bought from XXXX. 
Background : On XX/XX/2016 we purchased 3 XXXX phones that came with a {$300.00} gift card for each phone. We tried to redeem the cards at XXXX XXXX and were denied. We told XXXX about the situation. They told us to mail them the gift cards, and they would give us credit on your account. It was our understanding that our account would be cleared. Apparently they never applied the value of the gift cards, and charged us other fees and interest on the balance and are attempting to collect a debt that was not owed. They even sold the account to a collection agency which is dropping our scores and making it difficult to secure loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
Trans Union, XXXX and XXXX selling information of unsuspecting consumers called trigger leads. 
I understand there is information regarding these leads being sold by the major credit reporting agencies and somehow making it legal to do so. 
I also believe there is an underline issue with this. Not just the fact that there isnt a single person whom I have spoken with who knows this is happening but also the fact that no consumer who has pulled credit for a mortgage has opt in to receive solicitation much less have there personal information sold to a number of mortgage brokers or lenders. 

I am a mortgage broker and I receive phone calls from clients asking me why they are getting between 10 and 15 calls per day, multiple times per day from other mortgage lenders trying to solicit business. Some claiming to be a partner of Transunion and just doing a follow up to make sure the client gets good service. I have an actual recording from a call. 

Do I tell my clients that there information is sold the minute they pull there own credit for a mortgage. it seems that if I am aware this happens then it makes me responsible to disclose the fact that this can happen and more than likely will happen but theres nothing I can do about it. Since the three major credit reporting agencies dont actually pull credit for consumers, they dont have any sort of permission to sell peoples information for profit.

I received another call from a client this morning who stated he received 13 calls this morning from mortgage brokers or direct lenders, all from spam numbers ( robo dialers ). Coincidently I pulled his credit yesterday utilizing rocket pro ( rocket mortgage ) online credit pulling service. Now rocket doesn't sell information, I don't sell information but we both know the credit reporting agencies will sell it. So who is responsible for informing the client that by initiating a credit pull with us for a legitimate service there information will be sold to multiple people. 

This doesn't sit right with me, regardless of being legal or not it seems there should be some protection in the California privacy laws prohibiting this from happening to unsuspecting consumers. 

Last, I have asked every client I know, every friend I have and non of them understood that there information was actually being sold by the credit agencies, they thought they may have filled out an online form somewhere down the road that opened them up to solicitation but certainly not by a trusted credit reporting agency.

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 2022-07-13
Company: Bread Financial Holdings, Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account closed out in 2019 the status of the account was paid and closed. Within this year I asked a credit repair service to reach out about missed payments and mysteriously 2 years worth of collections were reported. I was never notified of the issue with the account which could of been corrected prior. I reached out to XXXX XXXX ( comenity bank ) about the inaccurate reporting and agreed to settle account for deletion due to inaccurate reporting. This account was reporting paid and closed for two years until I inquired and 2 years of late payments appeared when I had no knowledge of any payments were due or not collected before closure of account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: Credit Service Company, INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I never received any notice I had this dept it just showed up on my report. This was paid by the fallen and wounded soldiers fund and never should have even went into collections. Please fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 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 2022-09-27
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
inaccurate 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 explanation
Consumer complaint received 2021-05-25
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I went to the BB & T branch at XXXX XXXX XXXX # XXXX in XXXX, NC on XX/XX/2021 to close my checking account. The banker told me that she had closed my account. She also gave me {$55.00} in cash ( the remaining funds in the account ). Since then, BB & T has continued to charge me account fees, which led to a negative balance and several overdraft fees. My negative balance is now {$130.00}.

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 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My rights under the fair credit reporting act my rights were violated in the following ways ; withholding notices, privacy violations, requesting report for impermissible purposes, failure to follow proper debt disclosure procedures, furnishing and reporting inaccurate information, furnishing and reporting old information, and mixing files.etc. 
I disputed accounts that are fraudulent and they were not deleted and deemed to be accurate which is not the case because they were opened up fraudulently which I already notified all credit reporting agencies several times.

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 2023-06-19
Company: JPMORGAN CHASE & CO.
State: NY
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:
On XX/XX/2023, I received a notification from my bank that my personal checking account was overdrawn by {$2900.00}. JP Morgan Chase credit department, not authorized by me, put through a full statement payment instead of the minimum payment that I had previously authorized through automatic payment. I called Chase, disputed the charge and had this investigated. On XX/XX/XXXX, I received alerts for my credit bureaus that my credit line was decreased, and the credit utilization increased from less than 30 % to over 100 %. Chase informed me on my call to them, that they reduced my credit line from {$14000.00} to {$1600.00}. I believe this action to be retaliatory, because I have another account with chase that was unaffected. The same account ending in XXXX that was disputed for the {$2900.00} was in fact the only account that the credit line was reduced. To date, Chase has not reported any delinquent payments to my credit bureaus. This is because Ive never been late, which warranted a report to the credit bureaus. Instead, they did more damage to my credit by reducing my credit line, and increasing the credit utilization. This was handled with carelessness and lack of professionalism. This debacle resulted in additional and unnecessary credits to my account and resulted in my credit amount increase drastically to {$5800.00}. In conclusion, this was all done to cover an error performed by the Chase credit department. Your prompt response in this matter would be greatly appreciated. 

XXXX XXXX Chase credit card customer Account Ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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