BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-29
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Using Annual Credit Report.com, I requested a free annual credit report from Experian. Their site reported that I was n't eligible for the free report ( I was unable to verify this ). When I attempted to purchase the credit report, the site offered the credit report for {$1.00}, but it automatically placed you in a seven-week trial of one of their products. The site also states that if you do n't cancel ( i.e. forget ), you will be charged {$21.00}, monthly. There was no option to purchase my report without being forced to participate in the product trial. Consumers should not be forced into a product trial in order to receive their credit report. This may be verified by going to their website and attempt to purchase a credit report. This appears to coerce the consumer into purchasing a product, and potentially be responsible for additional monthly cost. I believe it should be the consumer 's right to 1. verify the Agency 's reporting that we are not eligible for a free credit report, and 2. purchase a report without being required to trial a product. Please investigate and advise. For security reasons, I am interested in receiving this information online, vs. being sent through the mail. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
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:
I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXXDEPT OF ED 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 2022-04-21
Company: Experian Information Solutions Inc.
State: NY
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 never been late on any payments reporting to my consumer report showing 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 2022-07-26
Company: EQUIFAX, INC.
State: WA
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter to help establish a legal recourse. The last one being sent to Equifax on XX/XX/2022 with complete attachments of my personal information including the Police Report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge.. 

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 response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX XXXX XXXX {$740.00} XXXX XXXX   XXXX $ XXXX XXXX {$1100.00} XXXX XXXX XXXX {$430.00} 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 2022-07-26
Company: Experian Information Solutions Inc.
State: MO
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$540.00} XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX XXXX XXXX Creditor : XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX ( XXXX XXXX : XXXX XXXX  ) XXXX Balance : {$920.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$520.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$410.00} XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$180.00}

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 non-monetary relief
Consumer complaint received 2016-05-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Dear CFPB, I have now complained about unauthorized hard inquiries through the CFPB and directly with Experian by mail and the entire issue has gone too far and I 'm getting ready to sue both Experian via class action and the companies who made the hard inquiries. As I indicated XXXX times before I only submitted applications this year that guaranteed a soft pull with the exception of a recent inquiry from XXXX XXXX. I have attached and circled in red the inquiries which were " never '' given any type of permissible purpose and clearly stated soft pull on the applications. According to the FCRA and language written on the front of the Experian report a soft pull is not shared with others. I as the consumer should not be harassed and treated like a ping pong ball with both Experian and the original initiator of the credit inquiry giving evasive answers and leaving me with the damage. They did not have any type of permissible purpose in this universe that allowed them to change a soft pull to a hard inquiry. I have been misled and dislike getting the same answer from Experian who prefers to defend the original inquiry because this means money for the company! I 'm tired of being pulled back and forth from both sides.

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 2022-04-21
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have a credit card with Chase Bank. Somehow my number was compromised and a counterfeit card was made using my card information. The thief used my card for purchase made in XX/XX/2021 at XXXX XXXX for {$110.00}, XXXX for {$27.00}, and two XXXX purchases one for {$82.00} and {$31.00}, and XXXX XXXX in XXXX XXXX. All of these charges were made around the same time, and when I discover this I alerted Chase right away. Chase did a dispute review for these fraudulent charges and they only refunded the charge for the XXXX XXXX. I am thankful for that credit however, how does Chase agree with me that this is a fraud charge but not the other charges that occurred around the same time frame? I am confused by this. I tell them all these charges are fraud, they do a review and agree that only the XXXX XXXX is fraud but not the charges that took place before this charge and after this charge? I am requesting another review of this and an answer as to why they approve the XXXX XXXX charge but not the others. Also per Chases credit card agreement, if fraud charges are reported in a timely manor then they do not hold their customers responsible. I did report this credit card fraud to them within the time frame, now it is their turn to uphold their terms and conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was late for my mortgage in XX/XX/XXXX, which I paid in XX/XX/XXXX. I reach out to CHFA and got a forbearance approved in XXXX, for XXXX, and XXXX of XXXX and XX/XX/XXXX. During this time my loan was still reporting late to the credit bureau, I started paying on my loan after the forbearance ended, I was also offered a partial claim back in XXXX of XXXX which took 3 months to be approved, this was then approve in XX/XX/XXXX and never got paid out until XXXX of XXXX, I was told to keep paying until it was paid out I have been paying on time since the forbearance, and was on time ever since, however as you can see in the attachment I have been reported late ever since the forbearance. I kindly ask that they remove the late payment report since XXXX XXXX to XX/XX/XXXX. Likewise, XXXX and XXXX of XXXX were also a forbearance period which I was also reported late for, please remove those as well. I am current on my mortgage and have only been late twice due to losing my job during XXXX. The Mortgage company made a note on my credit report that the late was due to natural disaster but refuse to remove the late reports. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: CAVALRY INVESTMENTS, LLC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Calvary Portfolio has purchased this debt from another debt collector. Upon Calvary Portfolio 's procurement of this old debt, this company engaged in aggressive debt collection tactics by filing several motions in different states as an attempt to collect prior to giving the alleged debtor a chance to be heard before litigation. This method is commonly seen as an act of intimidation, a means of a quick settle, and frankly, a scam. Sometimes, they harass the wrong person and their lives are made difficult to clear their name in the Public Record Forum. This method of debt collection is now frowned upon with new legislation to protect the consumer since 2009. I had no real proof this debt belonged to me from this debt collector, I simply paid the debt, all the while experiencing financial trauma in my own life. This company preyed on old debt and victims in the midst of the country 's credit crisis. They have " contract '' lawyers in many areas and one of their lawyer 's was absolutely abusive in her language and collection tactics. Please see the attached. I was not given a chance to be heard and I relocated frequently due to my husband 's contract engineering job. 
Additionally, when I discovered this company filed motions in different states with accompanying negative comments, and names of private parties as notes for others to see on my Public Record report. Please see attached. I 've asked the company to remove this and all entries in Public Record ( which are worded inappropriately ), they have not responded. Debt collectors should not be free to ruin people 's reputations, include people 's names unrelated to the debt in my Public Record, and refuse to respond to my written request to fix the damaged they have caused. Without the forum and neutral assistance of the CFPB, this abuse and debt collection practices will continue to occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 confidentiality under 15 USC 1681. 

XXXX  Account # XXXX XXXXXXXX XXXX XXXX and Account # XXXX XXXXXXXX XXXX XXXX and Account # XXXX XXXXXXXX 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 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 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 explanation
Consumer complaint received 2017-02-25
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
There is something wrong with the modification done by Bayview Loan Servicing. The loan from Bayview was transferred to XXXX XX/XX/XXXX ( which is n't any better ) but I need to deal with one at a time. I want to refinance my home. My mortgage statements from XX/XX/XXXX - XX/XX/XXXX have a total amount due of $ XXXX. In XX/XX/XXXX I sent a request for explanation of what the XXXX is. XX/XX/XXXX, I received a letter giving the " Corporate Advance Breakdown ''. There are attorney 's fees, litigation fees, attorney title costs ( what is that ), XXXX atty cost, auction fees, MISC, really MISC, etc. I ca n't get anyone to answer me or call back to explain these descriptions AND if I were doing a modification, why would there be attorney fees or litigation fees? The modification process with this company was so painful and the worst experience. Obviously I needed help because I was asking for a modification and I am afraid they took advantage of my situation. 
I received a letter dated XX/XX/XXXX titled LOAN ADJUSTMENT AGREEMENT CORRECTION LETTER saying " Due to a clerical error the Deferment Amount of {$100000.00} has been adjusted to reflect the correct amount of {$92.00}, XXXX. 
As the corrections inure to your benefit and represent the intent of the original transaction, Bayview Loan Servicing , LLC has updated your account accordingly ''. BUT my XX/XX/XXXX XXXX statement is confusing and payment went up {$110.00} AND if looks like the {$9900.00} was was added to my XXXX mortgage. I am not a loan officer or mortgage expert so I do n't know what is happening. All I know is I need help and explanation to figure this out. 
Like I said, the modification process was a joke. I would get duplicate packets in the mail saying I was not approved after I had already signed and sent back paperwork and had a modification agreement. This happened twice. Please Please Please check this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The californias check cashing in XXXX XXXX ca on XXXX XXXX XXXX XXXX XXXX..they call from XXXX and different random numbers past XXXX and multiple times a day and said they increased our debt and will continue to do so until we pay .I 've hung up they 've called right back and have call logs to prove it.I have verbally expressed in that my husband went on XXXX and we will make payments or pay in full when we can they refused payments and continue multiple calls per daywith intent to belittle its unprofessional and awful and I tell them the same thing every time the call over and over from different numbers .how can I make them stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2016-07-26
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Payday loan
Issue: Can't contact lender

Complaint:
I missed the payment date a few years back and forgot all about it, they never emailed, never called then all of a sudden today another company called Cash Advance emails me, telling me they are going to contact the police and that i 'm going to jail if i do n't pay them {$640.00} via a XXXX card. when i asked them why could i not do it with a money order and mail it to them they refused and now they are saying i have to get a lawyer and pay {$8000.00}. they also refused to allow me to make payment arrangements with the company i took the loan out with ( 2 years ago ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: EQUIFAX, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 sent a letter to TransUnion requesting that they provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. TransUnion have fail to honor my request.

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