BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-22
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:
In accordance with the Fair Credit Reporting act XXXX Account 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 2022-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Transunion, XXXX, and XXXX are in violation of the FCRA. They are reporting inaccurately on my Consumer reports account number : XXXX.The date opened is inconsistent. Transunion has- XX/XX/2022 XXXX has XX/XX/2022, XXXX has - XX/XX/2022 as well as the date of last active ; Transunion has XX/XX/2022, XXXX has XX/XX/2022, and XXXX XX/XX/2022. Remove this account from my report for inaccurate 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 non-monetary relief
Consumer complaint received 2022-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The financial institutions below continue to violate my right to privacy. I have disputed this information with Transunion, XXXX, and XXXX, and have not received a response. I also filed a FTC identity theft complaint, as well as a complaint with you, the Consumer Financial Protection Bureau, -whom has successfully transmitted my complaint electronically to Transunion XXXX XXXX, and XXXX XXXX It has been more than four ( 4 ) days and the information is still reporting, and has not been blocked per 15 U.S. Code 1681c2. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-09
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
I noticed on a recent XXXX statement that I was being billed {$29.00} for an Experian membership. I contacted XXXX XXXX XXXX XXXX to inquire about the charge and was told that in XXXX, 2018 I had been charged a {$1.00} fee by Experian for a membership. I must have signed up for a trail membership although I do not recall doing this. Subsequently, I had been being billed {$29.00} monthly since then for a service that I had never used. I remember getting emails from Experian that I honestly thought were scam emails and deleted them. I was finally able to contact Experian and was told that I had a membership ( which I was unaware of ) and that I could cancel it which I immediately did. I explained the situation to the representative who mentioned that another department could confirm whether or not I ever used the service and would handle the reimbursement and that she could transfer me to that department. I was never successfully transferred because the phone call dropped when she attempted to transfer me. It seems like once I cancelled the membership, Experian has been unavailable to discuss the reimbursement. 
I have been trying to contact Experian almost daily since then to no avail. The customer service phone numbers listed for Experian online literally reroute you unsuccessfully ( including dropping your calls ). Again, it seems like this has been the case after I cancelled the membership.

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 monetary relief
Consumer complaint received 2022-09-22
Company: Mr. Cooper Group Inc.
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Applied for COVID Loan Mod on : XXXX Denied XXXX Denied- could do a short sale XXXX applied and denied on XX/XX/XXXX I appealed the denial from XX/XX/XXXX Was approved for FHA/ HAMP Modification but only drop my payment of {$54.00} and the payment is more than 50 % of my income, I was never reviewed for COVID FHA 40-year loan Modification during these times. 
Mr. Cooper stated in an email that FHA DOES NOT offer a COVID FHA 40-year loan Modification. 

I contacted HUD about this. XXXX emailed Mr. Cooper on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX She also requested a supervisor to respond to me. I have never had a supervisor contact me. 
XXXX from HUD - sent Mr. Cooper emails on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX- I applied for help on XX/XX/XXXX and XXXX  XXXX XXXX  has requested information from Mr. COOPER multiple times since XXXX and they haven't responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX, equifax, and XXXX are all reporting my XXXX XXXXXXXX credit card as having a late payment in XXXX of 2022. All three agencies are violating my consumer rights of the fair credit reporting act. These companies are in direct violation of 15 US code 1666b that states a creditor can not report an open credit account as late. They are also in violation of US code 1681i that states any inaccurate and invalidated information must be removed off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Experian Information Solutions Inc.
State: PA
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 XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have a right to privacy. 

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

15 U.S.C 166b A creditor may not treat a payment a credit card account under an open end consumer credit plan as late for any reason.

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 2022-08-27
Company: JPMORGAN CHASE & CO.
State: CO
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:
On XX/XX/2022, my Chase Explorer card was used to fraudulently purchase a {$770.00} gift card from XXXX XXXX. Later that day the card was used to purchase XXXX XXXX merchandise. On XX/XX/XXXX Chase was notified of the bogus charge and they issued a credit. On XX/XX/XXXX Chase notified me that their investigation showed that I had ordered the gift card and acknowledged their trigger letter, and that they were reinstating the {$770.00} charge. I never ordered a gift card, never received a trigger letter, never ordered merchandise, and never got any product. Multiple subsequent calls to Chase have fallen on deaf ears. Chase insists that I provide proof of not ordering and not receiving -- an impossibility. I have talked with XXXX XXXX and they refused to provide any useful information, like proof of delivery or even where and what was ordered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
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: Credit inquiries on your report that you don't recognize

Complaint:
CFPB + Equifax, on my XX/XX/2022 Equifax credit report there are 6 unauthorized hard credit inquiries I am disputing and would like removed from my credit report - attached to this complaint are : - drivers license - social security card - address - letter - screen shots of all 6 Please have these 6 unauthorized hard credit inquiries removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
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:
I just received my investigation results. and saw some accounts were verified. However, I have a few questions : how do you complete your investigation? Did you talk to my neighbors, friends, family? If so, please inform me of the person who completed the investigation. One more thing, i was reading the FCRA and noticed that these companies violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. Account Name : XXXX XXXX Account XXXX : XXXX 2. Account Name : XXXX XXXX Account Number : XXXX* 3. Account Name : XXXX XXXX XXXX Account Number : XXXX 4. Account Name : XXXX XXXX Account Number : XXXX XXXX 5. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX Account Number : XXXX 7. Account Name : XXXX Account Number : XXXX 8. Account Name : Soc Sec Admin Office O Account Number : XXXX 9. Account XXXX : XXXX XXXX XXXX Account Number : XXXX 10. Account Name : XXXX XXXX Account Number : XXXX, 11. Account Name : XXXX XXXXXXXX Bankruptcy Account 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 2022-12-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX 2022, USAA Savings bank locked my accounts without warning. They have been locked for a week. I have contacted them XXXX times and no one will provide me a reason for why my accounts have been frozen, or when they will be unfrozen. I currently do not have any access to my funds. The last response I got was on XXXX XXXX 2022 saying that they would initiate another review to see if my funds could be released. However, since it is a weekend the earliest I could get access to my money would be Wednesday XXXX XXXX. I have bills that have come due and others that will continue to come due as USAA continues to withhold my money from me iwithout reason.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: EQUIFAX, INC.
State: AZ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2022 I was trying to sell a couch on XXXX. And someone messaged me about it. We were using Zelle to handle the transaction. 
Instead of them sending the XXXX $ I was asking for. I was scammed into sending they them {$900.00}. For upgrading my account to a business account and then government fees. 
The buyer was being pushy about me sending the amount so the so it can be completed and we would get refunded the total amount. Going further into it, the emails and everything they were saying/sending was feeling not right. The buyer kept being pushy about the transaction and even asked for me transaction history. I brought being not comfortable with sending large payments like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
CFPB + TransUnion, On my XX/XX/2022 TransUnion credit report I notice 4 unauthorized hard credit inquiries- I am seeking to have these removed as soon as possible attached to this complaint are : - drivers license - social security card - address - complaint - screen shot of where they are located Please have these 4 unauthorized hard credit inquiries removed as soon as possible from my TransUnion credit 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 2022-07-02
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: Investigation took more than 30 days

Complaint:
XXXX has stated that my account was paid late XXXX time ; XXXX days. 

After talking to many customer service reps, I was finally told on XX/XX/22 that XXXX has had issues with their computers resulting in false XXXX day late payments. 
I was informed to dispute these with the credit bureaus. XXXX did not investigate or fix the issue. ( XXXX day late payment on ALL XXXX of my credit reports ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Date Opened : XX/XX/18 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: EQUIFAX, INC.
State: LA
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.

15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 
15 USC 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 reasonable cause to believe that the information is inaccurate. 


XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions Inc.
State: GA
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 distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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.

15 USC 1681 section 602 A, States I have the right to privacy.

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

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate. 


XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-06-08
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022, the mortgage payoff amount was tendered for full satisfaction to Wells Fargo Home Mortgage by notary presentment registered mail XXXX XXXX XXXXXXXX XXXX XXXX XXXX in the amount of {$110000.00} Bill of exchange Money order # 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 2022-06-08
Company: Experian Information Solutions Inc.
State: TN
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 Bankruptcy 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

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