BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-11
Company: Experian Information Solutions 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 have filed complaints with Experian concerning misleading and false reporting which is a violation of my consumer rights pursuant FDCPA/FCRA consumer laws that were created to protect consumers from such activity that this company is engaging in in relation to my personal credit reports in their database. The failure of this company to follow the law has led me into financial hardship, I have included documents that is backed word for word with the law showing this company how it is violating my consumer rights, and breaking the law!

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: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXX Account # 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 explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: NC
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. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
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: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting actXXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: EQUIFAX, INC.
State: NY
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:
XXXX XXXX XXXX credit card is reporting to Equifax and XXXX that this account is still open. It is closed. 
XXXX XXXX XXXX is reporting this account XXXX XXXX as open on Equifax and XXXX. This is inaccurately and Fraudulently being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX XXXX  credit card is reporting to XXXX and Transunion that this account is still open. It is closed. 
XXXX XXXX XXXX is reporting this account XXXX XXXX as open on XXXX and Transunion. This is inaccurately and Fraudulently being reported.

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: 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: Was not notified of investigation status or results

Complaint:
I am just stating for the record that I am a NATURAL PERSON and a CONSUMER that is filing this complaint. Do not close this complaint stating that this is not me. Now that I have passed that part, I am writing this because, I sent TransUnion, XXXX and XXXX letters disputing the validity of the inaccurate/fraudulent information that they have on my credit reports. I reached out to both companies about this and they still did not respond. I also didn't authorize any furnisher to report anything on my report. I will definitely be seeking litigation if this can not be corrected, because this is false and fraudulent information. I would also like for each company to show how they validated these account according to 15USC 1681 ( 2 ) A & B. Thank you for looking into this and please give me an update when you can.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I sent out my mortgage check ( check # XXXX - {$1000.00} ) via mail paid to the order of Connecticut Housing Finance Authority on XX/XX/XXXX. The address on the envelope was incorrect and got sent to an address to a Towing Truck Company. On XX/XX/XXXX, the check was cashed and my funds were released to I presume the Towing Truck Company through a XXXX XXXX XXXX in Illinois. My mortgage company did not receive any type of payment for that month. I also want to note that check XXXX was not endorsed and Citizens released the funds anyways. On XX/XX/XXXX, my bank, Citizens, sent a letter to XXXX XXXX XXXX about this transaction. I was told that XXXX has 90-120 days to respond. Tomorrow would be 90 days so I called Citizens to get an update. They told me that they contacted XXXX yesterday and XXXX told them that they " lost '' the claim, so they faxed them it again. I contacted XXXX today and I was on the phone with them for almost one hour, handed off to 4-5 different people, me telling the same story and getting the same response. I told them I have had enough and that I will be pursuing legal action. So just to make sure I contacted my mortgage company to inform them that I will be making a formal complaint against XXXX and Citizens. I wanted to give my mortgage company a heads up just in case they get asked questions regarding my situation. I was put on hold and she told me that XXXX reached out to them on XX/XX/XXXX in giving me a credit of the full said amount and that the cashiers department in my mortgage company is working on getting a credit applied towards my mortgage. I was told by my mortgage company that to give them a couple of weeks to check back to see if my account has been credited. Today, XX/XX/XXXX I contacted my mortgage company and they said that XXXX will issue the refund towards my citizens bank account. I called Citizens and they have not heard from XXXX since XX/XX/XXXX. I told them what happened when I talked to my mortgage company and they will reach out to XXXX today. I then called XXXX and told them I was reporting them to the CFPB and to put that in their notes. I am appalled at the lack of competency in the 4-5 XXXX customer service representatives to tell me that the issue was supposedly resolved, but there was nothing in their files, but clearly is not resolved. There is no reason why this is taking so long. I am disgusted by XXXX and Citizens on how they are handling this claim. Both parties were incorrect and I question the training of the employees of both companies. I just want my money back that is owed to me so I can move on with my life. Attached is the letter from Citizens reaching out to XXXX on XX/XX/XXXX. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-01
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: Was not notified of investigation status or results

Complaint:
I sent letters certified over 60 days ago and have not been notified. As a consumer i feel like these bureas taking advantage of normal people.

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 2022-07-11
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: Was not notified of investigation status or results

Complaint:
I am just stating for the record that I am a NATURAL PERSON and a CONSUMER that is filing this complaint. Do not close this complaint stating that this is not me. Now that I have passed that part, I am writing this because, I sent XXXX, Experian and XXXX letters disputing the validity of the inaccurate/fraudulent information that they have on my credit reports. I reached out to both companies about this and they still did not respond. I also didn't authorize any furnisher to report anything on my report. I will definitely be seeking litigation if this can not be corrected, because this is false and fraudulent information. I would also like for each company to show how they validated these account according to 15USC 1681 ( 2 ) A & B. Thank you for looking into this and please give me an update when you can.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-09
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 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. 
Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: NV
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:
All three credit bureaus are reporting different date of last activity on three inaccurate accounts reporting on my credit report. The account for XXXX acct # XXXX, XXXX XXXX acct # XXXX, and account XXXX  acct # XXXX, are all reporting different DOLA dates. The keep coming back saying it's accurate. How can it be accurate when everyone is showing a different DOLA date for each reporting.

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: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I previously filed a complaint ( XX/XX/2021 ) about Wells Fargo refusing to allow me to come out of forbearance and the company has done nothing but stall since then. I've received almost no help and today ( XX/XX/2021 ) I received a letter from Wells Fargo ( see attached ) dated XX/XX/2021 explaining that my account is on hold for review for Federal Housing Administration ( FHA ) Assistance and that Wells Fargo will provide updates via phone going forward. I've asked repeatedly to come out of forbearance and resume payments, but Wells Fargo will not let me ( I feel like I am being held hostage ). Furthermore, now Wells Fargo is asking me to complete a full application with complete income and debt information as well as asking for specifics regarding my hardship for entering into forbearance ( I want out of forbearance ). According to the FHA, all I have to do is let them know that I am ready to resume payment and Wells Fargo is supposed to allow me to do so. Additionally, the FHA says they are not supposed to ask me to fill out a complete loan application in order to deal with amount that is unpaid due to the forbearance. I was current on payments when I went into forbearance and now it seems I can't get out of forbearance without jumping through through all kinds of hoops with Wells Fargo including a complete disclosure of my finances, which I thought they were not permitted to do. Furthermore, Wells Fargo told me that they will decide what program I fit into to deal with the unpaid funds due to forbearance and that I do not have a choice in the matter. This is not what I read in the FHA facts. Wells Fargo will not allow me to change loan preservation specialists. I have complained that the current specialist is no help and they refuse to assign a different loan preservation specialist. Additionally, Wells Fargo Administrative Office told my wife that we can complain all we want and the complaints will just get sent back to the Administrative Offices. So my take on that statement is that it will do no good to keep complaining. Finally, Wells Fargo states they will provide updates via phone rather than in writing which I have asked for.

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 2017-10-23
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX was part Chp XXXX bankruptcy. All debt before XXXX XXXX have been XXXX. XXXX shows as a late 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 non-monetary relief
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXXXXXX 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 2022-02-08
Company: Experian Information Solutions Inc.
State: MD
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:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2022 regarding inaccurate accounts on my report. I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-09
Company: Experian Information Solutions 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:
Experian Inc. experienced a security breach from mid XX/XX/XXXX through XX/XX/XXXX where they recently started a website for consumers to find out if they have potential impact regarding the breach. This website is XXXX. I entered in the information required on this website and found that I am on of the people who have been potentially impacted. 

The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people. 

This improper use of my information and report by XXXX violates my privacy and puts me in danger of becoming a victim of identity theft.

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 2022-07-11
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I RECEIVED NOTIFICATIONS OF NEW INQUIRIES ON MY ACCOUNT THAT I HAVE NOT AUTHORIZED OR EVEN HAVE A CLUE OF THE THEY ARE BUT THEY HAVE SHOWN UP AS INQUIRIES THESE ARE THE COMPANIES! 

XXXX XXXX XXXX You applied for a credit card on XX/XX/2021 XXXX XXXX You applied for a loan on XX/XX/2021 XXXX XXXX You applied for a credit card on XX/XX/2021 XXXX XXXX You applied for a credit card on XX/XX/2021 XXXX XXXX You applied for a credit card on XX/XX/2021 XXXX XXXX You applied for a credit card on XX/XX/2021 XXXX XXXX You applied for a credit card on XX/XX/2021 XXXX You applied for a loan on XX/XX/2021 XXXX XXXX You applied for a credit card on XX/XX/2021 XXXX You applied for credit on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX You applied for credit on XX/XX/2021 XXXX  You applied for a credit card on XX/XX/202XXXX 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 2017-09-09
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: Credit inquiries on your report that you don't recognize

Complaint:
i have multiple inquiries not unauthorized by myself XXXX XXXX on XXXX and experian i placed a security monitor on all of my reports but still have numbers of new inquiries unknowingly i that are affecting my credit dramatically

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

Complaint:
I just read about the Equifax security breach. I went to their website and followed the steps to see if I was affected. It stated that I am affected. I went to place a freeze on my credit and all 3 credit bureaus sites did n't work.
Equifax 's response and notification about this breach is completely pathetic. Thry have failed on every level. It is their duty to notify people about the breach and offer a free credit report and monitoring for more than 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: VA
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 checking today, XX/XX/XXXX, because of the news of the Equifax hack I found that my information may have been exposed to hackers. I believe that this is because I use services that use Equifax to report on my credit score. Unfortunately now I have to put alerts, warnings and closely monitor my accounts to ensure I 'm not taken advantage of because of Equifax.

Company response to consumer: Closed with explanation