BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian is reporting three erroneous accounts in my credit file. I asked for a full investigation for all three collections. I gave Experian 30 days to complete their investigation. I never received anything pertaining to their full investigation. The company simply updated the alleged debt collection items without sending proof that I owe these alleged accounts.

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 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- INSTALLMENT LOANS 1. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2017-09-08
Company: EQUIFAX, 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:
Equifax 's breach has put my credit at risk. I am listed as a potential victim on their site. I am worried this will negatively impact my ability to buy a home, which I was looking to do in the near future. 

I would appreciate it if they offered a free credit freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: OH
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: WA
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:
I was affected by the Equifax security breach according to their site equifaxsecurity2017.com ( as of XXXX XXXX 2017 ). They have mishandled my information and I would like to see the problem resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have complained about unauthorized accounts to my consumer reports multiple times. I reviewed my consumer report and have seen they are still reporting and now an extra collection has appeared out of nowhere after disputing the current unauthorized account. This is blatant and willful violation of my consumer rights and my privacy. I have not given any consent to furnish any unverified information. This is heavily damaging my character and credit worthiness.

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 2017-09-08
Company: EQUIFAX, INC.
State: WI
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:
On XX/XX/XXXX, Equifax Inc. announced " a cybersecurity incident potentially impacting approximately 143 million U.S. consumers '' and that " intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. '' On XX/XX/XXXX, I went to the Equifax website to check if I had been impacted. I entered my last name and last 6-digits of my SSN. I recieved the message : " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I was offered to enroll in XXXX XXXX XXXX, however I am concerned that doing so may weaken or limit my future legal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: BARCLAYS BANK DELAWARE
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:
This complaint is regarding a BARCLAYS BANK account that is being reported as 30 days late for the month of XX/XX/2020. Account number for this complaint is XXXX. This account was late at the beginning of the COVID 19 pandemic. I have tried reaching out during the time and afterwards explaining my financial situation and that I had just lost my job. Being late 1 time because of a pandemic should not be decreasing my credit score 40+ points and this should not be a factor in my creditworthiness. This is considered a COVID relief account and under H. R. 748 -- 200 SEC. 4013. This account should not be reporting as late.

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 2021-08-25
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021 I requested an Insurance Policy Quote from XXXX XXXX XXXXXXXX, a Fay Servicing Company to replace my Insurance Policy. On XX/XX/2021 I approved the Quote and talked with XXXX XXXX the XXXX  Leader. On XX/XX/2021 I receive the Copy of the Insurance Policy from XXXX the Insurance Issuer with XXXX XXXX as the Agent Contact. This Policy will be charged with my Mortgage Premium. On XX/XX/2021 I have to process the Coverage Confirmation because Fay Servicing had not received the Copy of the Policy directly from XXXX  XXXX  ( a Fay Servicing Subsidiary ). On XX/XX/2021 I contacted to XXXX XXXX from XXXX to pay directly to them the Premium of the Insurance Policy. I continued receiving Letters from Fay Servicing telling me that they had bought a new Insurance Policy on my behalf because I didn't have Insurance. On XX/XX/2021 after have talked with several Customer Service Reps I talked with XXXX XXXX, Fay Servicing Customer Care Department VP and after a long conversation I had to re-sent to her the Copy of the Insurance Policy and she personally processed the Coverage Info, which I received a confirmation on XX/XX/2021. XXXX XXXX told me that she had solved the issue and the Insurance Policy bought by Fay Servicing had been canceled and they were not going to charge me the Premiums with my Mortgage Payment. On XX/XX/2021 Fay Servicing withdrew from my Checking Account the Mortgage Payment plus the Insurance Premium. On XX/XX/2021 when I realized of this withdrawal I called to XXXX XXXX to get the reimbursement of the Insurance Premium that they have charged but she didn't answer the phone and I left her 2 voicemail. Then I called to the Customer Service and talked with the Rep XXXX and explained the situation but he was unable to solve the issue. He tried to contact XXXX XXXX but he couldn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: IL
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:
I was affected by the EquiFax hack. There has been no recourse offered beyond standard shallow free monitoring services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, 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:
Equifax announced that they had suffered an account breach that compromised the information of over 143 million Americans. After checking whether or not my information had been compromised using the site they provided, I was told I was affected. This data breach may have compromised my credit and divulged information such as my social security number, accounts, and addresses. I checked my credit report using XXXX from all three agencies ( including Equifax ) and everything seemed normal. I also added a 90 day fraud alert to my account but had to use XXXX 's site for that as the Equifax site was broken.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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:
Equifax had a major breach that exposed my credit information in addition to over 143 million US consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Avant Holding Company, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have a credit card with Avant Credit Card. I had a couple of recent charges and I made three separate payments to pay off the balances that was owed. I reached out the credit card company wondering why my balance does not show any payments being made. The customer representative. stated that it takes up to 14 days to process any and all check payments. After, hearing what the representative stated, I decided to closed my credit card with this company. Now, Avant has all of a sudden lost my payments and charging me late fees. I even seen when Avant has endorse the check and still did no give my account the credit. I reached out to them on several occasion and get the run around. I have asked for a supervisor and was told that do not have any available and I will get a call back. I also email them on several occasion with all proof of payments and still no direct response. The remaining balance was {$25.00} and that was a late fee, that they charged me when they lost my check. I also mailed in a replacement check for the {$25.00} dollar onXXXX they lost. I ask will they waive a one time courtesy late fee since I never been late with Avant Credit Card and they denied me, because I requested to have my account closed. I been a customer with Avant since 2019 and never been late. Now, I received a invoice for {$83.00} and this is late fees and interest rates. This company needs to be stop. Can you please investigate them? I have all proof of payments and emails of me trying to resolve this matter. I never thought I have to ask Consumer Finance for assistance. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions 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:
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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:
My information was part of the large Equifax security breach of 2017. I quickly placed freezes on my credit with all 3 credit bureaus so I should hopefully be largely unaffected in terms of identity theft. Additionally, I placed freezes on my information with XXXX and XXXX. 

However, my information was shared with a third party without my consent. Additionally, I had to spend money out of pocket in order to secure my credit and to prevent unauthorized use of my personal information. I expect better from one of the three credit bureaus. 

In addition to the annoyance factor of this information leak, I now have to deal with the knowledge that unauthorized third parties now have access to my name, address, social security number, possibly credit card numbers, and more. This is outrageous and Equifax should have better secured this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: General Motors Financial Company, Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I am writing today in regards to my account with GM Financial account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: Northern Trust Company, The
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is another issue with Northern Trust Co. When my trust account was resigned and transferred by them to a successor company in XX/XX/2010, about {$200000.00} disappeared from the account and in that final month of the closing account they made {$58.00} thousand purchases which also was never paid back

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 2017-12-27
Company: PHH Mortgage Services Corporation
State: MS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was owned by PHH mortgage and was sold to XXXX in XXXX XXXX. The balances on the mortgage statements provided by PHH and XXXX do not match. I have made several attempts to have this corrected with XXXX however they are telling me they are not responsible for the accuracy of the balance provided by PHH when they purchased the loan. XXXX XXXX 's history and PHH 's history are not the same, XXXX XXXX is showing " restricted corp adv adj '' with amounts paid but balances are not reduced. My balance with PHH does not appear to have been credit correctly or timely from XXXX, large chunks of payments are removed and applied as " escrow or subsidy deposits '' These issues are present on both the PHH loan history and the XXXX history, however the issue that most concerns me is the fact that XXXX XXXX is saying I owe fees and charges that were not listed on the PHH loan history or statements from PHH. In XXXX, I received payment assistance from the XXXX XXXX XXXX ( XXXX XXXX ) and in XXXX, I did a modification with PHH. I am not sure the funds received during the XXXX were applied correctly and the modification amounts do not appear to be consistent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Experian Information Solutions Inc.
State: TN
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:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2021-03-10
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: Account information incorrect

Complaint:
my credit card account with XXXX XXXX XXXX has been reported as 30 days pass due, which is inaccurate. 
Date : XX/XX/2021 2021

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 2017-09-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was listed as a potential victim of the Equifax cyber-hacking. Upon checking with their website it confirmed that I was probably a victim of the thefts. It allows for 1 year enrollment in an identity protection product without allowing the pursuit of litigation, restitution or arbitration. I am very worried that I will be a victim of identity theft as a result of the data breach. I would like to be able to retain the option to recover stolen funds, or funds spent protecting my identity from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXX XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-07-11
Company: EQUIFAX, INC.
State: GA
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 have all the credit bureaus and informed them of the idenity theft on credit. They have not assisted me with correcting the information. I don't know what to do next. I need this situation resolved. It is really affecting my life.

Company response to consumer: Closed with explanation