BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-10
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: Credit inquiries on your report that you don't recognize

Complaint:
Hello, I received a inquiry that I did not authorize from XXXX on XX/XX/29. I called her TransUnion to inquire about why I would get a random hard credit pull on my report. They told me to email the company so I emailed them but they did not respond. Please investigate and remove the credit inquiry. Thank you

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 2022-11-28
Company: EQUIFAX, INC.
State: MN
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 list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX  account has violated my rights 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 XXXX XXXXXXXX  15 USC 1681 section 602A. States I have the right to privacy.

15 USC1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a count without my written instructions and I did not give written instruction.

15 USC 1681c ( a ) ( 5 ) section no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of crime which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) 1 ( A ) a person shall not furnish Any information relating to a consumer to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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:
Kohls/Capital One is reporting late notations on my credit file that need to be removed. I recently looked at my credit and noticed some late notations on my credit file. Due to Covid and the unforseen events in my life because of it, I was severely financially impacted. I had a very hard time and was very scraping by on bare necessities. I was surprised to see Kohls report any lates at this time since under the CARES act creditors were supposed to take leniency on credit reporting because of hardships surround the pandemic. The bureaus specifically stated they expect consumer reporting agencies to make good faith efforts and have leniency. I ask that Kohls please take leniency on my hardship and remove any XXXX and XXXX lates as a onetime goodwill adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I contacted XXXX regarding an issue I was having with a refund but unbeknownst to me was connected to a fraudulent call center. They asked me to open Zelle on my bank account and enter some code numbers to confirm my account for the needed refund. At the time I did not know what Zelle was or what it does and was defrauded out of {$3500.00}. 

When I contacted my bank ( XXXX XXXX XXXXXXXX ) more than once on the same issue, I was told there was nothing they could do and the charges could not be reversed. Trying to contact Zelle directly is impossible, as they just refer you back to your bank. 

I filed a police report with city of XXXX XXXX XXXX report number XXXX on XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: EQUIFAX, INC.
State: IL
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:
I requested to get my credit file pursuant to 15 USC 1681a ( a ) ( g ) in 2021 and i still have not received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Rocket Mortgage, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Rocketmortgage did not pay my home owner 's insurance out of my escrow account. My insurance was canceled and I had to renew it at a different price. I was without insurance for 3 months. I tried to resolve this issue, even had the home owner 's insurance company to contact them. They are all of this my fault. They said I was without the 3 months coverage and I own {$470.00} XXXX and some change. I wanted to pay the XXXX without it being added monthly payment but they did anyway. Now they say my escrow account is short by a XXXXXXXX XXXX I returned a check to them for XXXXXXXX XXXX for my escrow account. But I can't seem to get a straight answer from them as to how my account is short if I haven't missed a payment. They are the ones who caused this issue by not paying my home owner 's insurance. I thought this is what your escrow account is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: CASHCALL, 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: Old information reappears or never goes away

Complaint:
CashCall account is closed and over 10 years old needs to be removed from credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
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: Reporting company used your report improperly

Complaint:
You have violated 15 USC 1681b. Per 15 USC 1681 b- Permissible purposes of consumer reports ( a ) In general Subject to Subject to subsection ( c ), 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. 
I, XXXX XXXX, the consumer, DOES NOT give XXXX  the consent to report anything on my consumer report. I have never given XXXX  the consent to report anything on my consumer report and to use or share my private information, particularly for financial gain, is in itself identity theft. XXXX  publishes information on my consumer report for a fee, financial gain, to those who are willing to pay for their services. Pursuant to the statue listed above, it is my written instruction to you to delete the listed accounts below from my credit report. 
You have also violated 15 USC 1681a ( d ) ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term consumer report does NOT include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 explanation
Consumer complaint received 2023-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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've been with B/America for over XXXX years. I was a XXXXXXXX XXXX customer since XXXX, B/America bought XXXX XXXX  out and I'm considered a long standing customer for over 38 years. My credit score was XXXX and now it's only XXXX, because I paid my mortgage off in XX/XX/XXXX. Since that date my credit score has continually fallen, because they claim I don't carry a evolving monthly charge or loan amount. This has caused me to miss out on lower interest rates. I recently tried to buy a vehicle and the interest rate was over 7 %. They claim, that XXXX shows no signs of reoccurring monthly charges for the reason of a higher interest rate.

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 2021-03-22
Company: BANKERS HEALTHCARE GROUP LLC
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I got a loan from BHG and the payments was going to be on the XXXX of every month the due date. A company by the name of XXXX XXXX XX/XX/XXXX XXXX not the one as we know it XXXX but an inside company of BHGs was aloud to collect the payments of {$1300.00} on every due date. This company did not collect on XX/XX/XXXX as they where suppose to do so. At some point the inside company XXXX XXXX XX/XX/XXXXlet BHG know they could not collect the pymnt from my checking account so BHG went into my checking account and collected it for them as they did not had any permission to go into my account to collect as it was assigned to this inside company XXXX XXXX XX/XX/XXXX. BHG went and collected on XX/XX/2021 for {$1300.00} but at the same time XXXX XX/XX/XXXX never called me to let me know they couldnt collect the money and had BHG do it for them but then XXXX XXXX XXXX never let BHG who did not have permission to get into my bank account and collect tell them that they managed to collect the {$1300.00} on XX/XX/2021 so they charged me twice within about 24 hours of each other but then BHG needed proof that there was a double dip and after sending proof they kept the money for three days leaving me absolutely devastated in my bank until XX/XX/XXXX so I couldnt pay bills as I needed to. Then they said again the pmnts would be collected by XXXX XXXXXX/XX/XXXXon the first of every month but the first came and gone with no collections. On XX/XX/XXXX BHG who again had no permission to enter my checking account pulled the money out for {$1300.00} and then on XXXX XXXX XXXX XXXX XXXX also pulled the money for {$1300.00} for a second month in a row double dipping into my account. And again the original collector never called me and let me know that they couldnt collect so again they left me in a worst way financially wrecked. Again it took 3 days to return my money to me and I blocked first national bank per my attorney so they could not get back into my checking account. Although BHG refunded my {$25.00} block pmnt money and sent my {$150.00} gift card for the problems which was nice the problems have not stopped. the money was due on the first of XXXX with BHG only aloud to collect money for the pmnt it is now XX/XX/2021 and they have not pulled any money. I have also in XXXX asked for all the application paperwork to my loan and asked for all the signed paperwork with the interest rates payment dates and pay off date and how I received the money from them when I called them. They told me that they have no information on my loan and can not provide any paperwork or history of my loan as they have non. I sent them an Email on Thursday last week and asked again for all information and they have not responded to me. I also can not provide a loan number as they have never given me any information on my loan and have refused to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am seeing school on my report that I never attended XXXX Univerisity XXXX XXXX XXXX University

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 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 sent my dispute letters to Credit Bureau numerous times and Credit Bureau is refusing to investigate into existing problem. I have pulled my report from all three credit Bureau in order to COMPARE my reports and I found numerous incorrect information and DIFFERENT information on each Bureau ; I can tell they didn't even try to verify information from my dispute letters. I have also obtained my report from three different sources who provide credit report, so I can proof now, they my rights as a consumer were violated. 
In accordance with the Fair Credit Reporting act. The List of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 US.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. 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime which antedates the record by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person known or reasonable cause to believe that the information is inaccurate. 
I'm exploding my rights and I'm filing complaint to Attorney General as well.

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 2022-11-02
Company: U.S. BANCORP
State: DC
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:
There is a new inquiry from ELAN FINANCIAL on XX/XX/2022. The one on XX/XX/2022 was authorized and resulted in an account opening. The one from XX/XX/2022 is unauthorized and was unlawfully performed. 

ELAN FINANCIAL Location XXXXXXXX XXXX XXXX XXXX XXXX, MN XXXX Inquiry Type Individual Requested On XX/XX/2022, XX/XX/2022 Phone ( 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 2023-07-20
Company: Bread Financial 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Good Afternoon, This complaint is regarding a refinance of my current mortgage. 

In XX/XX/XXXX, I was invited by a Chase Bank employee to apply for a refinance of my current mortgage. 

After discussing my particular situation with a loan officer, I filled out an application for refinance. 

I was assured by the loan officer that my financial situation is on solid footing to complete a refinance. I informed the loan officer that I am only interested in seeing a refinance through to the end. If there was any question about qualifying for the refinance, I would rather not apply as my refi would include several costs that could not be recouped ( XXXX payment of approximately {$1000.00} and appraisal cost of approximately {$450.00} ) among the more costly expenses. 

Throughout the loan process, I provided all the documentation that was requested in a timely manner as part of the loan process. No documents were omitted. 
In XX/XX/XXXX, I received conflicting explanations from the lender about not qualifying for the refi. At first, I was informed that I did not qualify for the refi because my debt to income is too high. 

I was later informed that I did not qualify for the refi because I did not submit required documents. 

As discussed, I informed the lender during the application process that I was interested only in a refi that would be seen through to a closing. 

How is it that during the application process I qualified for the refi, but after a lengthly loan process ( over 6 months ), I did not meet debt/income requirements. Why was this not disclosed earlier in the loan process? 

After 6 months of waiting for the loan to move to closing and having spent over {$1500.00} in loan fees, I was informed on two separate occasions that my loan would not move to closing due to differing explanations. 

Something does not seem right with the manner in which this loan was handled by Chase Bank. How could I be informed that I wouldn't qualify based on income/debt ratio one day and then informed I wouldn't qualify because I did not submit documentation on a subsequent discussion with the lender? 

All the documents that I submitted to the lender are time/day stamped on Chase 's loan website. All requested docs were submitted in a timely manner. 

Thank you for taking the time to help me with this dilemma. I appreciate it. 

Respectfully, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX, Transunion, and XX/XX/XXXX have not complied in deleting accounts from my credit reports that DO NOT belong to me. I have disputed the inaccurate information with XXXX XXXX XXXX XXXX the collection agency ) on my credit reports and after several ignored attempts on their behalf to remove this inaccurate information I felt the need to reach out to CFPB as a final recourse before taking legal action. I really don't have extra money to waste for litigation but I will have to proceed if this doesn't get taken care of. I reached out to XXXX XXXX XXXX after they contacted me about 3 accounts that they claimed belonged to me. I informed them that I those were not my accounts and and disputed them and they sent me a letter saying the accounts had been validated. I knew this was a mistake and a thorough investigation had not been done because these accounts don't belong to me. I reached out to them in XXXX of XXXX and also in XXXX of XXXX requesting information as to how they " validated '' the debt. I asked them for the names of the original creditors, the account number, the amount owed, details regarding the age/amount of the debt, copy of the last billing statement from the original creditor, and any signatures of mine on any of the documents. I know they have 30 days to respond but each time I sent them the letter asking for validation info they ignored or didnt respond and I waited 60 days to send another letter and that letter never got a response either. I reached out to all 3 credit Bureaus XX/XX/XXXX explaining what happened and they still have not removed these accounts from my credit reports. The collection agency failed to send proof of the debt but yet the credit bureaus aren't doing their due diligence in removing this inaccurate info. 
Accounts that need to be removed : XXXX XXXX XXXX Acct XXXX, XXXX XXXX XXXX Acct XXXX, and XXXX XXXX XXXX Acct 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