BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was one of the 143 million American consumers whose sensitive personal information was exposed in a data breach at Equifax, one of the nations three major credit reporting agencies. The breach lasted from XXXX through XXXX according to the FTC. This is a new developing story and so far there have been no exact dates published. 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. 

I took steps steps to help protect my information from being misused by following the steps regarding the Equifax Data Breach of the Federal Trade Commission Web Site. I visited Equifaxs website to find out if my information was exposed. The site confirmed that I had been affected by this breach. I then put a temporary 90 day freeze on my account to prevent future abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: Account Services Collections, Inc
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
We received a letter about collecting a debt from Account Services ( absurdly enough, that appears to be the actual name of the company ). The letter stated that it was regarding XXXX XXXX XXXX and the claim ID is : XXXX. None of this means anything to us as this is the first we 've heard of any of this. So my family member who is also an attorney offered to reach out and get the necessary information to find out what this is about. She called and the person in charge of the account refused to give her any information over the phone as I was not present so then she requested that they send me information about the claim in the mail, just as they did the collection letter. She did not request it to be sent to her or require them to give her any information as they refused, but merely requested that they send the information to me using the address they already have on file for me. The representative refused to acknowledge this request even though she repeated it multiple times so she asked why he was refusing to provide information to the person from whom he was trying to collect a debt and he ended the call by saying that collections would continue. But I will not pay a claim that I do n't know anything about and do n't even know if it 's a legitimate claim on me and he refused to send any information about it, even though he could easily do so since he obviously has my address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CO
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 data breach, which potentially opens me and my spouse to identity theft. We have been planning on applying for a HELOC this fall, but if my information is used due to improper security on Equifax 's part, I may not end up having a good credit score, or may be denied for reasons related to fraud using my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
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: Information belongs to someone else

Complaint:
unknown account on my credit report from XXXX XXXX Account Number : XXXX Date Opened : X/X/2013

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I haven't received a response from ( EQUIFAX ) in over 30 days. They are reporting inaccurate information on my report. ( LATE PAYMENTS ) EXPERIAN and TRANSUNION WERE UNABLE TO VERIFY THESE ACCOUNTS AND REMOVED THE LATE PAYMENTS. ( EQUIFAX ) IS THE ONLY BUREAU REPORTING INACCURACY. 

You are reporting inaccurate and incomplete credit information. The credit report you provided shows a history of payment or payments being made late that are not proven and are incorrect. I demand that you -- as REQUIRED BY MY STATES LAWS and also by the FEDERAL LAWS that govern your behavior while dealing with consumer reports to include your RECEIPT and or your REPORTING of them, to fully document in testimony to every single one even each any and or all of the facts related to this allegation withstanding none. 

I have contacted the creditor and they have stated that they are unable at this time to document these payment irregularities, by omission the creditor is in direct violation of the FCRA-tort law example : Fields v. Wilber Law Firm, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XX/XX/XXXX. I demand that you take action to correct your errors. I request that you provide me with written documentation of how and what means you used to verify these payments. 

Under the terms of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) I am exercising my rights and formally request that you provide a COMPLETE amended copy of my credit report when your investigation is completed for my records showing that these late payments have been removed. 

If not physically irrefutable you are not authorized to retain or report these allegations so annul in brief today even right now or certificate that your testimony proves compliance and accuracy of every and one even each any and all OF THE data aspects. I demand that you return to or retain compliance as mandated and do so without injury AND or prejudices towards me now or thereafter

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: First Data Corporation
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Multiple phone calls to TeleCheck because customer 's has a new account number due to bank merger. 

TeleCheck has declined customer 's transactions and caused embarrassment since this is her place of employment. Ample funds are available. 

TeleCheck has not resolved this issue even with multiple phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am submitting this 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 XXXX has me at a score around XXXX. 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 n 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 XXXX 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: EQUIFAX, INC.
State: NJ
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:
Im writing this letter to dispute the following 3 reporting agency in which they did not respond to my disputes. These agency are in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g ** I am not a debtor. I am a Secured Party Creditor that DISCHARGES ALL DEBTS PURSUANT TO 73RD CONGRESS. SESS 1. CHS. 48 49.

JUNE 5, 6, 1933 HJR 192 HR 1491 PUBLIC LAW 1 48 STAT 1 PUBLIC LAW 10 CHAPTER 48 STAT 112 PUBLIC LAW 73-10 40 STAT 411 TRADING WITH THE ENEMY ACT ( TWEA ) OCT 6, 1917 ** ** Brady v. U.S., 397 U.S., 742 at 748. Waivers of Constitutional Rights must not only be done voluntarily, they must be knowingly intelligent acts done with sufficient awareness of the relevant circumstances and consequences **

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 indicated they believe my personal information has been stolen as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
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: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX Balance : {$240.00} ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/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 2021-08-26
Company: Santander Consumer USA Holdings 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: Information is missing that should be on the report

Complaint:
Santander Consumer USA Issue : Santander has been reporting inaccuracies with regards to my Credit Report since XX/XX/XXXX. They have completed ( 2 ) unlawful repossessions which adversely affected my credit rating, and removed 141 points. In addition to this infraction, they have misreported late payments which again negatively affected my account spanning back to XXXX. I have repeatedly called and escalated this matter with little to no resolve. It took until XX/XX/XXXX for the repossessions to be removed from my credit file, only to not receive the points that were unlawfully taken. In addition to this, the company has been increasing my overall tradeline balance although sufficient payments were paid with no reasoning as to why. I have requested numerous audits to no avail. I was recently advised on XX/XX/XXXX that Santander was no longer reporting to my credit, citing that there was a " suppression '' due to an investigation. This again adversely affected my credit rating, causing it to go lower. They will not tell me who authorized the suppression of my account or how it can be resolved. In addition to this, I am not able to successfully audit my on files, as the company sporadically put DNC order on my account, restricting my access and not accurately reporting payments or attempted contacts made to resolve. I am in possession of numerous recorded calls where the company admits faults in all of these scenarios, as well as documented correspondence via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: MoneyLion Inc.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I am trying to cancel ACH from my account from this company. I dont want them to auto debit my checking account for membership fees or loan payments. They will not cancel the ACH saying that I must payoff the loan before the membership ACH can be stopped.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: NY
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:
It was released by Equifax on XX/XX/XXXX that 143 million people could be affected by a data breach in which cybercriminals stole information including names, Social Security numbers, birth dates, addresses, and the numbers of some driver 's licenses. 

Using their online checker, linked here : https : //www.equifaxsecurity2017.com/ I was told that my identity may have been compromised by this checker. I therefore have reason to believe, as reported by Equifax themselves, that Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XX/XX/XXXX. 

I did not enroll in the free protection surface Equifax is offering in compensation because Equifax has included the non-arbitration clause contained in the terms of service consumers must sign off on upon enrolling. 

I am filing a complaint as Equifax has irresponsibly secured my information and put my livelihood at risk. Such a large breach in security is not only unprecedented, but also a glaring example of private industries ' cavalier attitudes towards consumer protections. Equifax is defrauding injured parties with hidden terms of service that waive their right to sue Equifax in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 was notified of breach on my social and notices accounts that I did not recognize, which one was the Opportunity Financial I disputed with bureau and requested verification and no response... .I reached out to the company and got no response as well. Called the company and made arrangments to pay to get it REMOVED of my credit as I was in middle of closing on a loan and they never took payment out my account a two years ago. I called them back again a month ago as I see it was never removed nor funds came out and I never got verification from the credit bureau or company and the rep advised he seen notes of the information and it would be removed and someone will contact me back but its still reporting on

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 2022-02-11
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2022. I went directly to XXXX and paid them {$320.00}. XXXX took the payment and gave me a receipt showing account paid in full ( see attached receipt ) I contacted Convergent Outsourcing on XX/XX/2022 advising them that XXXX accepted the full payment and to cease reporting on my credit report as I have never had an account with Convergent Outsourcing. 
Today XX/XX/2022 Convergent has reported on my XXXX credit that the collection has been paid. Which I have never sent them any money, so how can they be reporting this erroneous 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 2021-04-14
Company: Movement Mortgage LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I closed a loan with Movement Mortgage on XX/XX/2021. I worked with XXXX XXXX NMLS XXXX4 ( he is the loan officer ) in my last loan. So I'm existing borrower/customer with Movement mortgage. I reached out to XXXX XXXX on XX/XX/2021 asking for some details on my upcoming cash-out refinance application. His response was that " Thank you for the opportunity to work with you again. I think it would be in everyones best interest if you use a different mortgage company moving forward. '' He basically refused to even accept my loan application without telling me why. I sent another follow-up email to him asking why and he never replied. It made me very puzzled and perplexed. Is it discriminatory against customer? I have email from XXXX as proof.

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:
My information was affected by the large hack of Equifax. I do not know what impact this will have on my long term financial well being but in the short term it will absolutely affect my ability to obtain credit as I will be be placing a freeze on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: ID
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 am included in the list of potential victims of the recently public Equifax security breach, according to their own website. 

Chiefly, I am unhappy that I was not notified in a timely or personal matter, and my only outlet to this information was a full month after the incident. While I understand that cybersecurity is an effort that is up to best efforts, communication about this incident was entirely a failure. 

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: IA
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 am a potential victim of the Equifax data breach per their website, www.equifaxsecurity2017.com. Equifax has mishandled my personal and credit information, such as my name, social security number, address, birthdate, etc., which puts me at risk for identity theft for the rest of my life as the details released are specific to me and used by every creditor to verify identity and creditworthiness.
Equifax did not act fast enough and waited multiple months to report this data breach, nor did they proactively notify impacted parties, and have stated they do not intend to notify all parties impacted. They are also attempting to capitalize on their own data breach by signing up parties impacted by their negligence up for their ID protection services.
Equifax 's terms and conditions on their ID product is also defrauding individuals by buring language in these conditions that waive the impacted party 's ability to sue Equifax in what appears to be a situation of criminal negligence and fraudulent behavior, especially as evidenced by three Equifax executives selling their stock for millions of dollars immediately after the data breach was discovered, but before it was publicly announced.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I complaining about the fact when before Navient my loan balance was {$11000.00} XXXX and now at XXXX, XXXX with Navient and thats insane just because i had my loan on forbearance because its very hard trying to make loan paying and rent at the same time

Company response to consumer: Closed with explanation